Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
If you are a frequent online shopper then you can apply for the Spar SBI Card Prime Credit Card which on usage allows you to enjoy various benefits and privileges. The process to apply for the credit card is very easy and can be used in over 24 million outlets all over the world.
Given below is the list of features of using Spar SBI Card Prime:
| Welcome Offer | If you make your first ATM withdrawal within 30 days of receiving your credit card, then you will earn cashback worth Rs.100. |
| Contactless Advantage |
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| Accepted Worldwide |
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| Add-On Cards | You can avail the add-on credit card facility for your family members aged 18 years and above. |
| Withdraw cash globally | You can withdraw cash from over 1 million ATMs anywhere in the world. |
| Payment of utility bills | You can use this card to pay your utility bills by using the Easy Bill Pay facility. |
| Balance Transfer on EMIs | You can transfer your existing dues off other bank’s credit card to your Spar SBI Card Prime and clear it via EMIs at lower interest rates. |
| Flexipay | If you make a transaction of Rs.2,500 and above on your Spar SBI Card Prime, you can convert it into easy monthly installment by using the Flexipay facility. You will have to log in to your sbicard.com using your username and password within 30 days of making the transaction to avail this facility. |
| Easy Money facility | You can use the Easy Money facility to get a cheque or a demand draft against your cash limit. The cheque or the demand draft will be delivered to your communication address. |
| Welcome Benefits | You can earn 12,000 reward points, which is equivalent to Rs.3,000, once the annual fee is paid. |
| Reward Benefits |
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| Milestone Benefits |
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| Fuel Surcharge Waiver |
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| Renewal Benefits | On paying your renewal fees while renewing your credit card, you will earn 12,000 reward points worth Rs.3,000. |
| Reward Redemptions | You can enjoy dual benefits by converting your reward points to Landmark Rewards. You must note that 1 Landmark Rewards is equal to 0.60. |
| Domestic Airport Lounge Access | You can use this credit card to enjoy up to 8 complimentary visits to any airport lounge in India. However, you can make only 2 complimentary visits to any domestic airport lounge for each quarter. |
| Complimentary Priority Pass Membership | You can apply for complimentary priority pass membership worth $99. You can enjoy up to 4 complimentary visits annually and 2 visits per quarter. |
| Fees and charges | Amount to be paid |
|---|---|
| Annual Fee (one-time) | Rs.2,999 + GST |
| Renewal Fee (per annum) | Rs.2,999 + GST |
| Add-on Fee (per annum) | NIL |
| Cheque Payment | Rs.100 |
| Payment Dishonor fee | 2% of the amount (minimum of Rs.500) |
| Retrieval of statement fee | Rs.100 for a statement more than 2 months old |
| Late payment fee |
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| Overlimit | 2.5% of the overlimit amount subject to a minimum of Rs.600 |
| Card replacement | Rs.100 - Rs.250 |
| Emergency card replacement when abroad | NIL |
| Foreign currency transaction | 3.5% |
| Markup Fee |
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| Rewards redemption fee | Rs.99 |
| Cash payment fee | Rs.250 |
All payments will be settled in the order of minimum amount due to paid (inclusive of all taxes applicable + EMIs on EMI based products + 5% of total outstanding amount), fees and other charges, interest rate charged, balance transfer amount, cash advance, and outstanding purchase amount.
Online
You can apply for Spar SBI Card Prime online by following the steps given below:
You can also SMS SPAR to 5676791 from your registered mobile number to apply for Spar SBI Card Prime.
Contactless payment is allowed up to an amount of Rs.2,000 where you won’t be required to provide your PIN. Any amount above Rs.2,000 will require you to provide your PIN number. However, you can also choose the option of providing your PIN for amount below Rs.2,000 as well.
You must immediately get in touch with an SBI credit card customer care executive and ask them to block your SBI credit card. You will also have to file an FIR and provide a copy of it to the bank.
No, your card has to be within 4 cm of the card reader for more than half a second for a transaction to take place. The retailer will also have to enter the transaction amount before you can make any transactions through your card.
No, do not use your card if you find it after getting it blocked. Destroy the card by cutting it through the magnetic strip. The bank will issue you a new card after you have got your old card blocked.
No, there is no difference in the process for internet and ATM transactions. For internet transactions you will be required to provide your 3D secure pin or an OTP, and for ATM transactions, you will have to provide your PIN.
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