About SBI Prime Credit Card
SBI Card PRIME is a reward-focused credit card that offers higher rewards on categories like movies, dining, groceries, and departmental store spends. This SBI credit card also provides milestone benefits where you can earn gift vouchers worth up to ₹11,000 in a year by meeting spending targets.
Along with rewards, the card offers complimentary domestic and international lounge access, adding value for frequent travellers. However, despite these benefits, the annual fee of ₹2,999 is relatively high. Compared to other credit cards in the same segment, there are options that offer similar or better value at a lower cost, making SBI Card PRIME slightly less competitive.
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
- Earn 20 reward points per ₹100 on birthday spends
- Earn 10 reward points per ₹100 on dining, groceries, departmental stores and movies
- Earn 2 reward points per ₹100 on other retail spends (excluding fuel)
- 4 reward points = ₹1 value
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefit
- Get a ₹3,000 gift voucher from brands like Bata, Pantaloons, Shoppers Stop, Aditya Birla Fashion or Yatra
Lounge Access
- Enjoy 4 international lounge visits per year via Priority Pass (max 2 per quarter)
- Get 8 complimentary domestic lounge visits annually (max 2 per quarter)
Milestone Benefits
- Get ₹1,000 Pizza Hut voucher on ₹50,000 quarterly spends
- Get ₹7,000 Yatra/Pantaloons voucher on ₹5 lakh annual spends
- Renewal fee waived on ₹3 lakh annual spends
Also Read: Best Milestone Benefits Credit Cards
Network Benefits
- Mastercard: Get 4 complimentary golf rounds, up to 50% off on golf and 1 free lesson per month, plus up to 15% off at Lalit Hotels
- Visa: Enjoy up to 10% off on Hertz and up to 35% off on Avis rentals, along with luxury hotel privileges
- American Express: Get up to 25% off at select restaurants and complimentary Tablet Plus membership with hotel perks
Fuel Benefit
- Get 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000
Also Read: Best Fuel Credit Cards
Insurance Cover
- Air Accident Cover: Up to ₹50 lakh
- Fraud Liability Cover: Up to ₹1 lakh for unauthorized transactions
Annual Fee Waiver
- Spend ₹3 lakh or more annually and get the annual fee waived
Also Read: Best Credit Cards in India 2026
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
Click here to know More Terms and Conditions
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.
