In today’s competitive financial market, credit cards have become more than just a payment tool. They offer a range of benefits and rewards that can enhance your lifestyle and elevate your financial experience. The SBI Prime Credit Card is one such offering from the State Bank of India (SBI), known for its comprehensive features and a host of exclusive privileges. In this blog post, we will delve into the key features, benefits, and potential drawbacks of the SBI Prime Credit Card to help you decide if it’s the right fit for you.

Key Highlights of the SBI Card PRIME
The SBI Card PRIME is among the premium credit cards offered by SBI which is curated specifically for frequent travelers and for the people who make most of their purchases online.
- Get an e-gift voucher worth Rs.3,000 as a welcome gift.
- Lucrative PRIME Reward Points system.
- If your expenses in a year exceed Rs.3 lakh, the annual fee of the credit card will be waived off.
- Win a Pizza Hut voucher worth Rs.1,000 on purchases worth more than Rs.50,000 in a quarter.
- Get complimentary Club Vistara and Trident Privilege Memberships
Benefits
Welcome Benefits
The SBI Prime Credit Card welcomes new cardholders with a generous bonus. Upon joining, users receive a welcome e-gift voucher that can be redeemed for various lifestyle and shopping categories. This enticing offer sets the stage for a rewarding journey with the card.
This credit card offers e-gift vouchers worth Rs. 3,000 of top brands as per the below details:
- Bata/ Hush Puppies, Pantaloons, Shoppers Stop: Voucher can be redeemed by showing the code at the respective brand store
- Yatra, Shoppers Stop: Voucher can be redeemed online at the time of purchase
- Aditya Birla Retail Voucher: Redeemable at select brands, including Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, and Simon Carter
You can also get more information on SBI.
Accelerated Reward Points
Up to 20X Reward Points
You can earn up to 20 reward points per transaction, which makes it one of the best rewards credit cards in the market. You can also pay your outstanding card bills via accumulated reward points. Here are the details:
- 20 reward points for every Rs. 100 spent on your birthday*
- 10 reward points for every Rs. 100 spent on dining, groceries, departmental stores and movies
- 2 reward points for every Rs. 100 spent on all other retail purchases, except for fuel

Milestone Rewards
As customers continue to utilize the SBI Prime Credit Card, they unlock milestone rewards. These rewards include annual fee waivers, additional reward points, and exclusive vouchers. By reaching spending thresholds, cardholders can enjoy numerous benefits that enhance their overall experience.
On achieving the spending milestones, you can get complimentary vouchers and a renewal fee waiver via this credit card. Below mentioned are the details:
- Pizza-hut gift voucher worth Rs. 1,000 on spending Rs. 50,000 in a calendar quarter
- Renewal fee waiver on annual spends of Rs. 3 lakh
- Yatra/ Pantaloons gift voucher worth Rs. 7,000 on achieving annual spends of Rs. 5 lakh
Exclusive Lounge Access
One of the standout features of the SBI Prime Credit Card is complimentary lounge access. Cardholders can enjoy access to domestic and international airport lounges, providing a serene and comfortable environment while waiting for their flights. This benefit adds a touch of luxury to the travel experience.
Travel Benefits
The SBI Prime Credit Card offers an array of travel benefits that make it a preferred choice for globetrotters. These include complimentary membership to the Priority Pass program, which grants access to over 1,000 airport lounges worldwide. Cardholders also enjoy international concierge services, travel insurance, and fuel surcharge waivers.
Complimentary Trident Privilege Red Tier Membership
- 1,000 welcome points on registration
- 1,500 bonus points on your first stay
- Extra 1,000 hotel credit on an extended night stay (use promo code: SBITH)
- 10% instant discount on bookings via hotel website
- 10 points on every Rs. 100 spent during your stay at participating hotels
Complimentary Club Vistara Membership
- Complimentary Club Vistara Silver Membership
- 1 upgrade voucher
- 9 Club Vistara (CV) Points for every Rs. 100 spent on Vistara flights
Complimentary Lounge Access
- 4 complimentary lounge visits per calendar year to international priority pass lounges, outside India (Max. 2 visits in a quarter)
- 8 complimentary lounge visits per calendar year to domestic lounges in India (Max. 2 visits per quarter)
Other Benefits
Apart from the benefits mentioned above, this credit card also offers a fuel surcharge waiver and exclusive privileges for Visa cardholders. Below mentioned are some of the other SBI Prime Credit Card benefits:
- 1% fuel surcharge waiver on your transactions between Rs. 500 and Rs. 4,000 across all petrol pumps in India
- Up to 10% off on Hertz car rental
- Up to 35% discount on Avis Car rentals
- Exclusive benefits across 900 luxury hotels worldwide
Insurance Coverage
The SBI Prime Credit Card provides cardholders with comprehensive insurance coverage, including air accident insurance and purchase protection. These insurance benefits provide peace of mind, protecting customers from unexpected events and giving them added confidence in their financial decisions.
How To Redeem Reward Points
You can redeem your reward points through State Bank of India net banking. Here are the steps which need to be followed to redeem points on SBI Prime Credit Card:
Step 1: Log in to your SBI net banking account.
Step 2: Click on the ‘redeem rewards‘ option on the main page.
Step 3: You can choose the reward category from the catalog given to you.
Step 4: The total reward points will be shown to you on the left side of the page.
Step 5: Input the city for the delivery of the rewards.
Step 6: Choose the quantity of the reward and then click on ‘add to cart‘.
Step 7: Once done, check on the disclaimer and click on ‘place order’.
Fee’s And Charges
Type of Charge | Amount |
Annual fee | Rs.2,999 |
Renewal fee | Rs.2,999 |
Add-On card fee | Nil |
Cash advance fee | 2.5% of the amount withdrawn or Rs.500 (Domestic ATMs) 2.5% of the amount withdrawn or Rs.500 (International ATMs) |
Finance Charges | 3.50% per month or 42% per annum |
Payment dishonor fee | 2% of the payment amount; minimum of Rs.450 |
Statement request | Rs.100 per statement (more than 2 months old) |
Cash payment fee | Rs.250 |
Late payment fee | From Rs.0 to Rs.500 – Nil More than Rs.500 up to Rs.1,000 – Rs.400 More than Rs.1,000 up to Rs.10,000 – Rs.750 More than Rs.10,000 up to Rs.25,000 – Rs.950 More than Rs.25,000 up to Rs.50,000 – Rs.1,100 More than Rs.50,000 – Rs.1,300 |
Cheque payment fee | Rs.100 |
Over limit fee | 2.5% of the over limit amount; minimum of Rs.600 |
Rewards redemption fee | Rs.99 |
Foreign currency transaction | 3.50% |
Eligibility and Documentation of SBI Prime Credit Card
Criteria | Details |
Age Requirement | 18 to 60 years |
Occupation | Salaried or Self-employed |
Documents Required | 1)Filled credit card application form. 2)A copy of PAN card or Form 60. 3)Identity proof – PAN, driving licence, Aadhaar Card, etc. 4)Income proof – latest pay slips, Form 16, IT return copy, etc. 5)Residence proof – Passport, Ration Card , electricity bill, Aadhaar, etc. 6)Passport size color photographs of the applicant. |
Comparison Of Different Credit Cards
SBI Card Pulse v/s SBI Prime Credit Card
Basis | SBI Card PULSE | SBI Prime Credit Card |
Reward Rate | 1)5x RP for every Rs. 100 spent on chemist and pharmacy, dining, movies 2)2 RP for every Rs. 100 spent on all other transactions except fuel | 1)5x RP for every Rs. 100 spent on dining, movies, groceries, and departmental stores 2)2 RP for every Rs. 100 spent on all retail spends. 3)10x RP for every Rs. 100 spent on the birthday |
Reward Redemption | 1)Can be redeemed against the products available on sbicard.com 2)Can be redeemed for cash, 1 RP = Rs. 0.25 | 1)Can be redeemed against the products available on sbicard.com 2)Can be redeemed for cash, 1 RP = Rs. 0.25 |
Fuel Surcharge Waiver | 1% at all fuel stations | 1% at all IOCL fuel stations |
Welcome Benefits | 1)Complimentary Noise ColorFit Pulse Smart Watch worth Rs. 4,999 2)Complimentary FitPass Pro membership. 3)Complimentary Netmeds First Membership | Gift voucher worth Rs. 3,000 from any one of the following brands – Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra |
Dining Benefits | NA | 25% off on dining bills across the partnered restaurants with the American Express Variant only |
Milestone Benefits | Netmeds voucher worth Rs. 1,500 on spending Rs. 4 Lakhs or more in an anniversary yea | 1)Pizza Hut voucher worth Rs. 1,000 on spending Rs. 50,000 in a quarter 2)Voucher worth Rs. 7,000 from Yatra or Pantaloons on spending Rs. 5,00,000 in anniversary year |
Lounge Access | 8 complimentary domestic lounge access (Limited to 2 per quarter) | 1)2 complimentary domestic lounge access per quarter 2)4 complimentary international lounge access (2 per quarter) with Priority Pass Membership |
Joining Fee | Rs. 1,499 + Taxes | Rs. 2,999 + Taxes |
Renewal Fees | Rs. 1,499 + Taxes | Rs. 2,999 + Taxes |
Eligibility | 1)Issued to salaried individuals between the age of 18 years and 65 years 2)Issued to self-employed individuals between the age of 21 years and 60 years 3)The applicant should have a stable source of income 4)The applicant should hold a decent credit score | 1)Issued to salaried individuals between the age of 18 years and 65 years and having an income of Rs. 32,000 per month 2)Issued to self-employed individuals between the age of 21 years and 65 years and having an income of Rs. 32,000 per month as per ITR |
SBI Prime Credit Card vs SBI SimplySAVE Credit Card
Basis | SBI Prime Credit Card | SBI SimplySAVE Credit Card |
Reward Rate | 1)5x RP on every Rs. 100 spent on dining, groceries, departmental stores, and movies. 2)2 RP on every Rs. 100 spent on all other spends. | 1)10x RP on every Rs. 100 spent on dining, groceries, departmental stores, and movies. 2)1 RP for every Rs. 100 spent on all other spends. |
Reward Redemption | 1)Can be redeemed for gift vouchers available on www.sbicard.com or on SBI Mobile Application. 2)Can be redeemed for paying outstanding credit card bills. 3)1 RP = Rs. 0.25 | 1)Can be redeemed for gift vouchers available on www.sbicard.com or on SBI Mobile Application. 2)Can be redeemed for paying the outstanding bill of the credit card 3)4 RP = Re. 12 |
Fuel Surcharge Waiver | 1%, capped at Rs. 250 per month | 1% limited to Rs. 100 per month |
Welcome Benefits | Gift voucher worth Rs. 3,000 from any one of the renowned brands. | 2,000 RP on the spending of Rs. 2,000 within 60 days of card issuance |
Milestone Benefits | NA | As a milestone benefit, waiver of the annual fee on spending Rs. 1,00,000 in the previous year. |
Lounge Visits | 8 domestic and 4 international lounge visits limited to 2 per quarter | NA |
Dining Benefits | 1)5x RP on dining spends. 2)25% on dining bills at partnered restaurants using the American Express variant of this card. | 10x RP while spending on dining |
Membership Fee | Rs. 2,999 + GST | Rs. 499 + Taxes |
Renewal Fees | Rs. 2,999 + GST | Rs. 499 + Taxes |
Eligibility | 1)Issued to either salaried or self-employed individual. 2)Minimum salary of Rs. 32,000 per month and Age between 18-65 years in case of a salaried individual. 3)Minimum income of Rs. 32,000 (as per ITR) and age between 21-65 years in case of a self-employed individual and 18-65 years in case of a salaried individual and 18-65 years in case of a salaried individual. | 1)Issued to either salaried or self-employed individual. 2)Minimum salary of Rs. 20,000 per month and age between 18-65 years in case of a salaried individual. 3)Minimum income of Rs. 20,000 (as per ITR) and age between 21 – 65 years in the case of a self-employed individual and 18-65 years in the case of a salaried individual and 18-65 years in the case of a salaried individual. |
SBI Card Elite vs SBI Prime Credit Card
Features | SBI Card Elite | SBI Prime Credit Card |
Annual Fee | Rs. 4,999 | Rs. 2,999 |
Interest Rate | 3.5% per month | 3.5% per month |
Welcome Benefits | Travel or shopping voucher worth Rs. 5,000 | Travel or shopping voucher worth Rs. 3,000 |
Reward Rate | 1)10 Reward Points on every Rs. 100 spent on dining, departmental stores, and groceries. 2)2 Reward Points on every Rs. 100 spent elsewhere. | 1)10 Reward Points on every Rs. 100 spent on departmental stores, groceries, and dining. 2)2 Reward Points on every Rs. 100 spent elsewhere. |
Reward Redemption | The reward points you earn can be redeemed against gift vouchers and statement cash at a rate of 1 RP = Re. 0.25. | The earned reward points can be redeemed against gift vouchers and statement cash, where 1 RP = Re. 0.25. |
Milestone Benefits | Earn up to 50,000 bonus Reward points every year. | Earn gift vouchers worth up to Rs. 11,000 every year. |
Dining Benefits | Up to 25% discount on dining with the AmEx variant. | Up to 25% off on dining at partner restaurants with the AmEx variant. |
Movie Benefits | 2 complimentary movie tickets every month. | 1)5X Reward Points (10 Reward Points) on dining and movie spends. 2)Get up to 25% discount on dining bills at partner restaurants (only with AmEx variant). |
Travel Benefits | )Complimentary Club Vistara Silver membership 2)Complimentary Trident Privilege Silver Tier membership 3)Exciting discount offers at luxury hotels. | 1)Complimentary Club Vistara Silver membership 2)Complimentary Trident Privilege Silver Tier membership 3)Exciting discount offers at luxury hotels. |
Airport Lounge Access | 1)8 complimentary domestic lounge access every year 2)6 complimentary international lounge access every year | 1)8 complimentary domestic lounge access every year 2)4 complimentary international lounge access every year. |
Forex Markup Fee | 1.99% on all foreign currency spends. | 3.5% on all foreign currency spends. |
Golf Benefits | 4 complimentary golf games and 1 complimentary golf lesson every month. | Access to 4 complimentary golf games and 1 golf lesson each month. |
Insurance Benefits | Fraud liability covers worth Rs. 1 lakh. | 1)Air accident cover worth Rs. 50 lakhs. 2)Fraud liability covers worth Rs. 1 lakh. |
Spend-based Waiver | The annual fee is waived off on spending Rs. 10 lakhs in a year. | The annual fee is waived off on spending Rs. 3 lakhs in a year. |
How to Apply?
Step 1: Check your eligibility for the card.
Step 2: Submit the information that you are asked for.
Step 3: Next, upload the documents when you are prompted to do so.
Step 4: Use the tracking ID on the ‘Track Application’ process and get the application status.
Net Banking
Go to the SBI official website. Access your net banking account using your user ID and password. Follow the below steps to activate your SBI Prime credit card –
- Register yourself if you are using net banking for the first time.
- Generate the PIN.
- Login with your net banking credentials.
- Select SBI Prime credit card.
- Input your credit card number and the one-time password that you will receive on your mobile.
- You will be asked to enter one more OTP for activating the credit card.
- That is it, your credit card will be activated after this.
Mobile Banking
- Download and install the SBI app on your phone.
- Log in to your account using the user ID and password.
- Enter the OTP received on the mobile number registered with SBI.
- Click on “Proceed”.
- Go ahead to set an “M” Pin and enable Touch ID to activate the credit card.
Now, go to the “Requests” tab and select “Card Activation”. Now, enter the card details once again. Cross-check details like credit card number, mobile number, and registered email ID and click on “Activate”.
Offline Activation
- SBI Prime credit card can also be activated offline through the ATM.
- Visit the SBI ATM in your area.
- Insert your card into the reader, then select your chosen language to proceed.
- A one-time password will be required to generate a new ATM pin for you. Put the OTP into the space provided using the registered mobile number.
- Your cell phone number must be entered for verification. You will be given a four-digit pin of your choice after the verification, which you will require in order to access your SBI credit card moving forward. Retype your pin to confirm it, then click the submit button to finish.
- Alternatively, you can also call SBI Credit Card Customer Care Number. Activation is easy by calling on the toll-free number 1800 180 1290.
Contact SBI
Via Phone :
Dial 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)
Via Email :
sbicorporate.services@sbicard.com You can send your mail’s here.
Conclusion
The SBI Prime Credit Card stands out in the market as a feature-rich and rewarding financial tool. Its extensive range of benefits, from accelerated rewards and milestone rewards to lounge access and travel perks, make it a top choice for customers seeking a credit card that caters to their lifestyle and preferences. Whether it’s dining, shopping, travel, or entertainment, this card offers an exceptional experience and unrivaled privileges. If you’re in search of a credit card that combines luxury, rewards, and convenience, the SBI Prime Credit Card deserves serious consideration.
F.A.Qs
Can I apply offline for SBI Prime Credit Card?
Yes, you can apply online as well as offline for this credit card. To apply offline, you can visit any of the nearest SBI Bank branches and contact an executive. If you want to apply online, you can visit the official website of SBI Card and fill out an application form.
Can I apply for add-on cards on my SBI Prime Credit Card?
Yes, you can apply for a maximum of 2 add-on cards on your SBI Card Prime. The bank does not charge any fee for add-on credit cards. However, you will receive a single consolidated SBI Credit Card statement every month for all the credit cards.
How can I check the status of my application for SBI Prime credit card?
You can check the status of your SBI Prime credit card application by clicking on the link https://www.sbicard.com/en/eapply.page#track-retrieve-form where in the box under ‘Track Application’ enter either your reference number or application number and click on ‘Track’
Is the SBI Card PRIME a contactless credit card?
Yes, the SBI Card PRIME is powered with contactless technology that enables swipe-less transactions at POS terminals.
Can I use SBI Card PRIME abroad?
Yes, you can use the card anywhere across the globe. The SBI Card PRIME is accepted at over 24 million outlets across the world. A foreign transaction fee of up to 3.5% of the transaction amount will be charged every time you use the card abroad.
How many add-on credit cards can I avail on my SBI Card PRIME?
You can apply for up to 2 add-on credit cards on your SBI Card PRIME Credit Card.
Is balance transfer facility available on SBI Card PRIME?
Yes, SBI Card PRIME comes with a balance transfer on EMI facility that allows you to transfer the outstanding balance on your other bank credit cards to your SBI PRIME Credit Card. Once the amount is transferred, you can pay it back in easy monthly installments at a lower interest rate in flexible tenures.
My application for SBI Prime credit card got rejected. What can be the possible reasons behind the rejection?
Some of the reasons why your application for the SBI Prime card got rejected could be that you may not have met the required eligibility criteria. In case your credit score is low, or if you do not withdraw the minimum monthly income, then the bank can reject your application. In case you are unable to submit the correct documents, then there the bank is at liberty to reject your application.
What is the annual fee for SBI Prime?
Rs. 2,999
What is the cash limit of SBI Prime card?
SBI PRIME Business Card offers a cash advance limit of up to 80% of the credit limit, with a maximum of ₹15,000 per day. The cash withdrawal charge for this card is 2.5% of the transacted amount, subject to a minimum of ₹300.
SBI Credit Card Customer Care Number?
You can call SBI Credit Card Customer Care on the toll-free number 1800 180 1290.
Read More

I am a engineering student studying at Nimra college of engineering and technology(NCET)