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The SBI Card PRIME is a premium credit card designed for high‑spending individuals who value rewards and benefits across shopping, dining, travel, and entertainment. This card is ideal for those who frequently spend on everyday expenses like groceries, dining out, departmental store purchases, and movie tickets, as well as for extensive travellers. The SBI Card PRIME is accepted at over 24 million locations worldwide and features Visa or MasterCard contactless technology for convenient, secure transactions. The card comes with a joining fee and annual fee of Rs. 2,999 each, which can be waived if the cardholder spends Rs. 3 lakh in a year.
The SBI Card PRIME comes with an array of benefits and features that cater to the diverse needs of its cardholders. From welcome SBI Prime card benefits to rewards on everyday spends, travel perks, and shopping advantages, this card has something to offer for everyone.
E‑Gift Vouchers: New cardholders receive e‑gift vouchers worth Rs. 3,000 from popular brands such as Aditya Birla Fashion, Bata/Hush Puppies, Pantaloons, Shoppers Stop, and Yatra, providing an excellent start to their credit card journey with SBI Prime credit card benefits.
Accelerated Rewards: Cardholders can earn reward points at an accelerated rate of 10 points for every Rs. 100 spent on dining, groceries, departmental stores, and movies. For other retail spends (except fuel), they can earn 2 reward points per Rs. 100 spent.
Complimentary Memberships: The SBI Card PRIME offers complimentary memberships to Priority Pass, Club Vistara Silver, and Trident Privilege Red Tier, providing cardholders with access to airport lounges, priority airport check‑in, and additional baggage allowance.
Quarterly Benefits: On spending more than Rs. 50,000 in a calendar quarter, cardholders receive a Pizza Hut e‑Voucher worth Rs. 1,000 as Prime SBI card benefits.
Annual Benefits: By reaching annual spends of Rs. 5 lakhs, cardholders are rewarded with e‑gift vouchers worth Rs. 7,000 from Yatra.com or Pantaloons.
Fuel Surcharge Waiver: The SBI Card PRIME offers a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, with a maximum waiver of Rs. 250 per statement cycle.
Easy EMI Conversion: Cardholders can convert transactions of Rs. 2,500 or more into easy EMIs with flexible repayment terms.
Contactless Payments: Featuring the benefits of the SBI Prime Credit Card, the card is enabled with contactless technology, allowing for faster and more secure transactions up to Rs. 5,000 per transaction.
Golf Benefits: Cardholders can enjoy 4 complimentary rounds of golf, up to 50% off on golf games, and 1 complimentary golf lesson per month at selected golf courses across India.
Insurance and Alerts: The SBI PRIME RuPay credit card provides access to various insurance products and sends SMS alerts for card activities such as mini statements, cheque alerts, and payment assistance.
Birthday Benefits: On their birthday, cardholders can earn 20 reward points for every Rs. 100 spent.
The SBI Card PRIME offers an array of benefits designed to enhance your lifestyle and reward your spending habits. Here are some key highlights:
Earn generous 10 reward points for every Rs. 100 spent on dining, groceries, departmental stores, and movies. For all other retail spends, except fuel, you can earn 2 reward points per Rs. 100. Enjoy even more rewards with 20 reward points for every Rs. 100 spent on your birthday.
As a new cardholder, you'll receive e‑gift vouchers worth Rs. 3,000 from top brands such as Aditya Birla Fashion, Bata/Hush Puppies, Pantaloons, Shoppers Stop, and Yatra.
Enjoy complimentary memberships to Priority Pass, Club Vistara, and Trident Red Tier. With Priority Pass, you can access over 1,000 airport lounges worldwide.
Benefit from a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000 across all petrol pumps, with a maximum waiver of Rs. 250 per month per statement cycle.
By spending more than Rs. 50,000 in a calendar quarter, you'll receive a Pizza Hut e‑Voucher worth Rs. 1,000. Additionally, on reaching annual spends of Rs. 5 lakhs in a year, you'll get an e‑gift voucher worth Rs. 7,000 from Yatra.com/Pantaloons.
Enjoy complimentary golf benefits, including 4 complimentary rounds on green fees and up to 50% off on golf games at selected golf courses. You'll also have access to exclusive discounts on car rentals, hotel bookings, and airport services.
You can apply for SBI Prime credit card online through the Airtel App or directly on the SBI Card website. The digital application process is quick and requires basic personal, employment, and income details. After filling the form, upload your PAN, identity, and address proofs. SBI Card will verify your documents and process your SBI Prime credit card apply request. Once approved, the Prime SBI credit card is dispatched to your registered address. Ensure you meet the SBI Prime card eligibility criteria before applying.
| Fee Type | Amount |
| Joining Fee | Rs. 2,999 + taxes |
| Annual Fee | Rs. 2,999 + taxes (waived off on spending Rs. 3 lakh in a year) |
| Finance Charges | 42% per annum |
| Fuel Surcharge Waiver | Max Rs. 250 per month per statement cycle |
By being aware of these fees and charges, you can plan your spending and utilise the card's benefits effectively.
When applying, you'll need to provide identity proof, residence proof, and proof of income. The general SBI Prime credit card eligibility criteria typically include age, income, and creditworthiness as per SBI Card's policies. However, specific details may vary, so it's advisable to check with SBI Card directly for the most current criteria.
If you are looking for an answer to “how to activate SBI Prime credit card”, or how to make your SBI Card PRIME functional, you can choose from several convenient options:
Log in to Your Account on the SBI Card website using your user ID and password. Go to the "Card Activation" section, usually found under the "Services" or "Manage My Card" tab. Enter the required details such as your card number, expiry date, and the OTP sent to your registered mobile number. Follow the on‑screen instructions to complete the activation process.
Download and install the SBI Card Mobile App from the App Store or Google Play Store, if you haven't already. Log in to the app using your credentials. Navigate to the "Card Activation" or "Manage My Card" section. Enter the necessary card details and confirm the activation. Do check the Credit Card Eligibility to ensure there are no hurdles later.
Call Customer Service at 1860 180 1290 or 39 02 02 02 (prefix local STD code). Follow the instructions provided by the customer service representative to activate your card.
Before you apply for the SBI Prime credit card, consider the annual fee of ₹2,999 (waived on ₹3 lakh spends), the finance charges of 42% p.a., and the reward structure. Evaluate your spending pattern against the SBI Prime credit card benefits like lounge access, milestone vouchers, and accelerated rewards. Ensure you meet the income and credit score expectations for the SBI Card PRIME credit card.
Redeeming your hard‑earned reward points on your SBI Card PRIME or SBI Prime Visa card can be done through various channels:
Log in to Your Account on the official SBI Card website. Go to the "Rewards" or "Reward Points" section. Select the redemption option you prefer, such as redeeming points for e‑gift vouchers, booking travel, or converting points to cash back. Follow the on‑screen instructions to complete the redemption process.
Open the SBI Card Mobile App on your device. Navigate to the "Rewards" or "Reward Points" section. Choose the desired redemption option from the available choices. Follow the app's instructions to complete the redemption process.
Call Customer Service at 1860 180 1290 or 39 02 02 02 (prefix local STD code) for assistance with redeeming your reward points for the SBI ELITE Credit Card. Provide your card details and specify how you would like to redeem your points. Follow the instructions provided by the customer service representative to complete the redemption.
