SBI Card PRIME Advantage

Last Updated : June 27, 2025, 6:44 p.m.

The SBI Card Prime Advantage is a premium rewards credit card designed for Indian consumers who travel, shop, and dine frequently. With milestone-based rewards, complimentary lounge access, and attractive e-vouchers, it offers substantial value to high spenders. Whether you’re booking flights, enjoying fine dining, or handling daily expenses, this card brings added value through tiered rewards and travel perks.

Unlike basic cashback cards, the Prime Advantage focuses on users who value lifestyle experiences, especially those who frequently spend on travel, dining, and shopping. If you want more from your credit card than just monthly discounts—such as free airport lounge access, Club Vistara tier upgrades, and hotel privileges—this card is a competitive mid-premium choice in 2025.

Key Features and Benefits

• Welcome e-Gift Voucher Worth ₹3,000
  • Choose from top brands:
    • Bata
    • Hush Puppies
    • Pantaloons
    • Shoppers Stop
    • Yatra.com
  • You will receive an SMS to select your preferred voucher within 15 days of annual fee payment
  • The e-voucher will be sent within 5 days of selection via SMS/email
  • Vouchers for Bata, Hush Puppies, Pantaloons, and Shoppers Stop are redeemable in-store; Yatra and Shoppers Stop vouchers can be redeemed online.
• Accelerated Reward Points on Key Categories
  • 20 RP/₹100 on utility bill payments (through standing instructions), with an upper limit at 3,000 points/month
  • 10 RP/₹100 on dining, groceries, departmental stores, and movies
  • 2 RP/₹100 on all other spends, excluding fuel
  • Earned points can be used to pay outstanding balances, giving you flexibility in managing expenses.
• Simple and Effective Reward Redemption
  • Redeem directly for statement credit (4 RP = ₹1)
  • Minimal redemption fee of ₹99/request ensures value
  • Allows redemption for e-gift vouchers as well

Fuel Surcharge Waiver

• At any fuel station, save 1% on transactions in the range of ₹500–₹4,000
• Monthly cap: ₹250
• Government taxes apply separately

Attractive Milestone Benefits

• Get a Rs. 1000 Pizza Hut voucher on spends of Rs. 50,000 in a quarter.
• Spend ₹3 lakh every year and get a renewal fee reversal
• Spend ₹5 lakh annually and choose a ₹7,000 e-voucher (Yatra/Pantaloons); SMS for selection sent within 10 days of reaching the spend milestone.

Extensive Airport Lounge Access

• 4 complimentary international visits/year via Priority Pass (2 visits per quarter)
• 8 free domestic lounge visits each year (Up to 2 per quarter) at
  • Visa or
  • Mastercard lounges
• To activate Priority Pass, get in touch with SBI Card customer support

Premium Travel & Lifestyle Privileges

• Club Vistara Silver : Includes 1 complimentary lounge access voucher, 1 upgrade voucher, and 9 CV points per ₹100 spent on Vistara
• Trident Privilege Red Tier : This imparts credits for:
  • Hotels
  • Discounts, and
  • Bonus points for bookings
• Birthday Bonus : Earn 20 RP/₹100 on spends on your birthday, up to 2,000 points/year

Golf Privileges at Elite Courses

• 4 complimentary green fee rounds/month
• 1 free golf lesson/month
• Available at select golf courses across India

Insurance Coverage and Card Security

• ₹50 lakh air accidental death cover
• ₹1 lakh fraud liability cover against lost card misuse (post-reporting)

Fees and Charges of SBI Card Prime Advantage

Understanding the fee structure is critical to evaluating whether a card aligns with your spending habits. Here's a breakdown:

Eligibility & Documentation

Getting approval for the SBI Card Prime Advantage needs fulfilling standard income and age criteria:

• Eligible Age:
  • Salaried individuals: 21 to 70 years
  • Self-employed professionals: 25 to 70 years
• Minimum Monthly Income: ₹75,000+ (suggested threshold for approval)
  • A higher credit score and stable employment enhance options for approval.
• Documents Required:
  • Identity Proof: Aadhaar card, Passport, or Driving Licence
  • Address Proof:
    • Passport
    • Utility bill
    • Ration card
    • Voter ID
  • Income Proof: Most recent salary slips, Form 16, or ITR (for self-employed)

Approval Tip: Avoid multiple simultaneous applications for other credit cards. SBI uses internal score filters alongside CIBIL scores.

How to Maximize SBI Prime Advantage Benefits?

• Use standing instructions for utility payments to earn the maximum 20x rewards
• Prefer this card for daily essentials like groceries, movies, and dining to earn 10x points.
• Plan purchases to reach ₹50,000 spend every quarter and get Pizza Hut vouchers
• Make sure to spend ₹3 lakh annually to avoid the renewal fee
• Stretch annual spends to ₹5 lakh to earn the ₹7,000 milestone voucher
• Redeem reward points for statement credit instead of merchandise for best value
• Take advantage of both domestic and international lounge visits – don’t let them expire unused
• Register for Club Vistara and Trident Privilege memberships as soon as you receive the card
• Book travel through Vistara to benefit from Silver Tier rewards
• Schedule golf rounds and lessons monthly to utilize full value of complimentary access
• Check your birthday month expenses and use the card to maximize 20x reward earnings
• Use the card for dining out with friends/family to gather high reward points quickly
• Redeem points periodically—don't let them expire or devalue over time
• Combine milestone voucher benefits with seasonal sales to save more on shopping

SBI Card Prime Advantage Bill Payment Methods

The following table lists all the SBI Prime Advantage Credit Card bill payment methods,