Here are a few factors

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Welcome e-Gift Voucher

10 Reward Points per Rs.100 spent on Dining, Groceries, Departmental stores, and Movies
Milestone Benefits
Club Vistara Membership
Complimentary Lounge Access
20 Reward Points per Rs. 100 spent on your birthday
Get Your Hand on Exclusive Advantages

Benefits & Features of SBI Prime Card

SBI Prime offers up to 20 reward points for every transaction, which varies by category. You can use your accrued reward points to pay down your outstanding credit card payments. The following are the specifics:

Welcome Benefit

Avail an e-gift voucher worth Rs.3,000 from any of the following brands:

  • Bata/ Hush Puppies, Pantaloons, Shoppers Stop: Vouchers can be redeemed by showing the code at the respective brand store.
  • Aditya Birla Retail Voucher: Redeemable at selected brands such as Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, and Simon Carter.
  • Yatra: Voucher can be redeemed online at the time of purchase.
Get Rewarded Every Time You Spend

PRIME Rewards

SBI Prime offers up to 20 reward points for every transaction, which varies by category. You can use your accrued reward points to pay down your outstanding credit card payments. The following are the specifics:

4 reward points = Rs. 1 | 1 reward point = Rs. 0.25

Rewards on Utility Bill Payments

When you set up standing instructions on your card for utility bill payments, you will get 20 reward points for every Rs. 100 spent. Each month, a maximum of 3,000 reward points can be accumulated.

Rewards on Dining, Groceries, Departmental Stores, and Movies

10 reward points will be credited on every Rs. 100 spent.

Rewards on All Other Retail Spends

2 reward points will be credited on every Rs. 100 spent. Fuel transactions are not included.

Rewards on Birthdays:

Earn 20 reward points for every Rs.100 spend on your birthday, one day before and after, with a maximum of 2,000 reward points each year.

Milestone Benefits

You must meet the required eligibility conditions to qualify for a loan against property. While the eligibility criteria for obtaining a loan against property vary per source, the following are some typical requirements that need to be met :-

  • Pizza-hut gift voucher worth Rs.1,000 on spending Rs. 50,000 in a calendar quarter.
  • Renewal fee waived off on annual spends of Rs. 3,00,000.
  • Yatra/Pantaloons gift voucher worth Rs. 7,000 on achieving annual spends of Rs.5 lakh.

Travel Benefits

  • 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)
  • Get a 10% instant discount on bookings via any hotel website
  • 10 points on every Rs.100 spent during your stay at participating hotels.

Why Should You Get SBI Prime Credit Card?

Let’s explore the reasons why SBI Prime Credit Card is best suited for you

If you want a card with premium features across numerous categories but don’t want to pay a large annual fee, the SBI Prime Credit Card is one of the finest options. The perks that this card provides for a cost of Rs. 2,999 are extremely astounding. On utility bill payments, the card receives a 5% reward rate, i.e. 20 points each Rs. 100 spent; 4 points = Rs. 1, India’s highest payout on utility bill payments. You will also receive a 2.5 percent reward rate (10 points per Rs. 100 spend) on restaurants, groceries, department stores, and movies.

This card offers a 10% discount on participating Trident Hotel bookings and a 2.25 percent booking reward rate for Vistara Airlines tickets in the travel category. This card may be an excellent choice if you frequently book flights and require airport lounge access, or if you want to take advantage of premium services such as car rentals, hotel stays, and airport transfer services.

This card is great for customers searching for a single card that covers a range of categories for a low price, such as shopping, dining, and travel.

Visit Our Website

For the first step, you will have to visit our website to explore the options that fit your needs.

Select and Apply

Once you shortlist the credit card you have been looking for, apply for it, and proceed with the further process.

Submit Your Document

One of the most important steps. Now you will have to submit all the required documents digitally.

Enjoy Your Credit Card!

Once your application gets approved based on your eligibility, you will be having your Credit Card in hand.

Make the Process Easy with the Right Documents

Required Documents

PAN Card

Aadhaar Card

Latest card statement

Voter ID

6 Month vintage proof

The applicant must fulfil the below eligibility criteria to apply for this credit card:

  • Occupation: Salaried or Self-employed
  • Minimum Income for Salaried Applicants: Rs. 32,000 per month
  • Minimum Income for Self-employed Applicants: ITR > Rs. 32,000 per month

SBI Card Prime Fees & Charges

  • Joining Fee: Rs. 2,500
  • Renewal Fee: Rs. 2,999 +GST (per annum)
  • Annual Fee: Rs. 2,999 + GST (One-Time)
  • Finance Charges: Up to 3.50% per month [42% per annum]
  • Late Payment Charges for statement balance:
    • Less than Rs. 500 – Nil
    • Rs. 500 up to Rs. 1,000 – Rs. 400
    • Rs. 1,000 up to Rs. 10,000 – Rs. 750
    • Rs. 10,000 up to Rs. 25,000 – Rs. 950
    • Rs. 25,000 up to Rs. 50,000 – Rs. 1,100
    • Amount over Rs. 50,000 – Rs. 1,300
Leave Your Question


The Annual Fee amount for SBI Prime Credit Card is Rs. 2,999 + Taxes.

Yes, the SBI Card PRIME lets you add an additional card for up to two members of your family (parents, spouse, children, or siblings - above 18 years of age).

Yes, the applicable Renewal Fee on SBI Prime Credit Card is Rs. 2,999 + Taxes p.a (from the second year onwards).

No, SBI Prime Credit Card possesses no extra charges for add-on cards.

To reach out to the SBI Credit Card Customer care, you can dial 1860 180 1290 or 39 02 02 02 (prefix local STD code).