About SBI Prime Credit Card
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 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
Also Read: Best Reward Points Credit Cards in 2025
Other Features and Benefits
Welcome Benefits
- Get a ₹3,000 e-Gift Voucher from one of the following brands: Bata/Hush Puppies, Pantaloons, Shoppers Stop, Aditya Birla Fashion, or Yatra
Lounge Access
- Domestic: 8 complimentary visits per year (max 2/quarter)
- International: 4 complimentary visits per year via Priority Pass (max 2/quarter)
Fuel Surcharge Waiver
- 1% waiver on fuel transactions between ₹500 and ₹4,000
- Max waiver of ₹250/month per statement cycle
Insurance Cover
- Air Accident Cover: Up to ₹50 lakh
- Fraud Liability Cover: Up to ₹1 lakh for unauthorized transactions
Membership Privileges
- Club Vistara Silver Membership – Priority check-in and bonus points
- Trident Privilege Red Tier Membership – Special discounts at Trident Hotels
Additional Network-Based Benefits
MasterCard:
- 4 complimentary rounds of golf + 1 free golf lesson/month
- Up to 15% off on stays and dining at Lalit Hotels
Visa:
- Up to 10% off on Hertz car rentals
- Up to 35% off on Avis rentals
- Exclusive privileges at 900+ luxury hotels worldwide
American Express:
- Up to 25% off at select restaurants across India
- Free TabletPlus Membership – VIP hotel upgrades & perks
Annual Fee Waiver
- Spend ₹3 lakh or more annually and get the annual fee waived
Also Read: Best Fuel Credit Cards in 2025
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 2,999 + Taxes |
| Annual Fee | Rs. 2,999 + Taxes |
| Finance Charges | 3.5% p.m. (42% p.a.) |
| Late Payment Charges | | For Statement Balance: | Amount | | Up to Rs. 500 | Nil | | Rs. 500 to Rs. 1,000 | Rs. 400 | | Rs. 1,000 to Rs. 10,000 | Rs. 750 | | Rs. 10,000 to Rs. 25,000 | Rs. 950 | | Rs. 25,000 to Rs. 50,000 | Rs. 1,100 | | Above Rs. 50,000 | Rs. 1,300 |
|
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Document Required For SBI 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
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
SBI Prime Credit Card Highlights
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.
Things to Know Before you apply
Get this card if:
- 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
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.
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Frequently Asked Questions
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.
