SBI Card PRIME is a multi-purpose credit card designed for people who spend a lot on everyday needs like groceries, dining, movies, and shopping. It offers accelerated reward points on these categories, helping you earn more on regular spending. You can also earn gift vouchers worth up to ₹11,000 a year by hitting spending milestones, making it a good choice for high spenders.
The card also includes premium travel benefits such as free access to domestic and international airport lounges. Cardholders get complimentary memberships to programs like Priority Pass, Club Vistara, and Trident Red Tier. However, the annual fee of ₹2,999 may feel a bit high, especially since some lower-fee cards offer similar or better value.
Note: SBI Card PRIME is a premium credit card best suited for high spenders who frequently shop in lifestyle categories and travel often. With 5X reward points on dining, movies, groceries, and departmental store spends, along with milestone benefits worth up to ₹11,000 and complimentary lounge access, it offers solid value for users who spend ₹5 lakh or more annually.
SBI Bank Prime Credit Card Rewards Program
Rewards Program:
20 Reward Points for every ₹100 spent on your birthday
10 Reward Points for every ₹100 spent on dining, groceries, departmental stores, and movies
2 Reward Points for every ₹100 spent on other retail purchases (except fuel)
4 Reward Points = ₹1
Milestone Benefits:
Get gift vouchers worth up to ₹4,000 per year on reaching annual spend milestones
Enjoy 5X reward points on select spending categories for faster rewards
You spend ₹5 lakh or more annually and want to maximize milestone benefits and get the annual fee waived
You regularly spend on movies, dining, and groceries, and want to earn higher reward points in these categories
You travel frequently and would find complimentary airport lounge access useful and valuable
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For SBI Bank Prime Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
SBI Bank Prime Credit Card Hilights
What do we like about this card?
SBI PRIME Credit Card is a premium credit card ideal for frequent travelers and online shoppers.
Get a welcome e-gift voucher worth ₹3,000 on card activation.
Enjoy a rewarding PRIME Reward Points system for everyday and lifestyle spends.
Spend ₹50,000 in a quarter and get a Pizza Hut voucher worth ₹1,000.
Spend ₹3 lakh or more in a year and get your annual fee waived.
Pros
5X Reward Points on dining, movies, groceries, and departmental store spends
Milestone benefits worth ₹11,000 on spending ₹5 lakh or more annually
Complimentary domestic & international lounge access
Extra perks on hotels, golf, dining, etc., based on the card network (Visa, MasterCard, or Amex)
Cons
Low reward redemption value – 4 points = ₹1 (₹0.25 per point)
Limited travel benefits apart from lounge access
High annual fee of ₹2,999, which may not suit light spenders
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
Simply SMS: Send an SMS to 5676791 from your registered mobile number.
Frequently Asked Questions
Everything you need to know about this credit card
Yes, you get a 1% fuel surcharge waiver for fuel transactions ranging from Rs. 500 to Rs. 4,000. The fuel surcharge waiver is capped at Rs. 250 per month.
Yes, the SBI Prime Credit Card provides a complimentary air accident insurance cover of Rs. 50 lakh and a fraud liability cover of Rs. 1 lakh.
The Priority Pass membership allows you to access over 1,000 domestic and international lounges worldwide. Every year you get 4 complimentary visits.
Yes, you can apply for the SBI Prime Credit Card offline by visiting the nearest SBI Bank branch and speaking to an executive. You can also apply online for this credit card.
Each Reward Point earned on the SBI Prime Credit Card holds a monetary value of ₹0.25.
Yes, the SBI Prime Credit Card offers a balance transfer option called Balance Transfer on EMI.
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card