SBI Card PRIME

Last Updated : June 27, 2025, 12:40 p.m.

Imagine enjoying a complimentary airport lounge visit before your flight or earning rewards on every grocery run. The SBI Prime Credit Card, offered by the SBI Card, is designed for frequent shoppers and travelers who want to make their spending work harder. With a Rs. 3,000 welcome voucher, accelerated reward points, and travel perks, this card could elevate your lifestyle. In this guide, we’ll walk you through its benefits, fees, and tips to get the most value, helping you decide if it’s the right card for you.

Key Benefits of the SBI Prime Credit Card at a Glance

Here’s why the SBI Prime Credit Card stands out:

• Welcome Gift : Rs. 3,000 e-voucher from brands like Bata or Yatra.
• Reward Points : Get up to 20 points for each Rs. 100 on dining, groceries, and more.
• Lounge Access : 8 domestic and 4 international lounge visits per year.
• Milestone Benefits : Gift vouchers and fee waivers for hitting spend targets.
• Fuel Surcharge Waiver : 1% off on fuel purchases (up to Rs. 250/month).
• Travel and Lifestyle Perks : Discounts on hotels, dining, and car rentals.

Detailed Benefits and Features of SBI Prime Credit Card

What’s the Welcome Gift?

Kick off your journey with a Rs. 3,000 e-gift voucher, redeemable at:

• Brands :
  • Bata/Hush Puppies
  • Pantaloons, Shoppers Stop
  • Aditya Birla Fashion (Van Heusen, Louis Philippe, Peter England, Allen Solly, Planet Fashion, Simon Carter)
  • Yatra.
• How It Works : After paying the annual fee, you’ll get an SMS within 30 days to choose your voucher. It’s sent to your registered mobile or email within 5 days. Redeem at stores by showing the code or online for Yatra and Shoppers Stop.

Example: Planning a trip? Use your Yatra voucher for flight or hotel bookings.

How Do Reward Points Work?

Earn rewards on every purchase and redeem them to save money using this credit card .

• Earning Rates :
  • 10 Points per Rs. 100 : On dining, groceries, departmental stores, and movies (capped at 7,500 points/month; then 2 points per Rs. 100).
  • 2 Points per Rs. 100 : On all other retail spends (except fuel).
• Redemption : 4 points = Rs. 1 when used to pay your card balance, giving each point a value of Rs. 0.25.
• Example : Spend Rs. 10,000 on dining monthly to earn 1,000 points, worth Rs. 250 off your bill.

What Are the Milestone Benefits?

Hit spending goals to unlock extra rewards:

• Quarterly Spends : Spend Rs. 50,000 in a quarter to get Rs. 1,000 Pizza Hut e-voucher (up to Rs. 4,000/year).
• Annual Spends :
  • Rs. 3 Lakhs : Waives the Rs. 2,999 renewal fee.
  • Rs. 5 Lakhs : Get a Rs. 7,000 e-voucher from Yatra or Pantaloons (total benefits up to Rs. 11,000/year).
• How It Works : Vouchers are dispatched through SMS within 10–30 days of reaching milestones.

Tip : Plan big purchases to reach these thresholds and maximize rewards.

What Lounge Access Do I Get?

Travel in comfort with complimentary lounge visits:

• International : 4 visits per year to Priority Pass lounges outside India (max 2 per quarter). Call SBI Card Helpline at 1860 180 1290 to get your Priority Pass.
• Domestic : 8 visits per year to lounges in India (Up to 2 per quarter).
• Extra Visits : USD 27 + taxes per visit after free ones.
• Lounge Lists : Check participating lounges for Mastercard, Visa, or American Express.

Example : Relax at Delhi’s domestic lounge before your flight, free of charge.

What’s the Birthday Benefit?

Celebrate your special day with extra rewards:

• Offer : Earn 20 points per Rs. 100 spent on your birthday, the day before, and the day after.
• Cap : Up to 2,000 points per year.
• Example : Spend Rs. 5,000 on your birthday dinner to earn 1,000 points, worth Rs. 250.

What Memberships Are Included?

Enjoy exclusive memberships:

• Priority Pass : Free membership for international lounge access.
• Tablet Plus (American Express) : Complimentary membership with VIP upgrades at select hotels (Tablet Hotels).

What Is Flexipay?

Manage big purchases easily:

• Feature : Convert transactions of Rs. 2,500+ into EMIs within 30 days.
• How to Use : Log in to SBI Card to set up Flexipay.
• Example : Purchase a gadget for Rs. 10,000 pay it off in affordable installments.

Can I Use the Card Globally?

Shop and withdraw cash worldwide:

• Acceptance : More than 24 million outlets globally, including 325,000 in India.
• Cash Access : Use over 1 million Visa, Mastercard, or American Express ATMs (cash advance fees apply).

Card Replacement and Add-on Cards

Stay secure and share benefits:

• Card Replacement : Rs. 100–Rs. 250 for lost/stolen card replacement (or $148–$175 abroad). Contact SBI Card Helpline.
• Add-on Cards : Up to 2 free add-on cards for family members over 18 (parents, spouse, children, siblings).
• Security : Chip and PIN technology with Rs. 1 lakh fraud liability cover.

Network -Based Benefits for SBI Prime Credit Card

Perks vary by card network:

• Mastercard :
  • 4 free golf rounds, up to 50% off golf games, and 1 free lesson/month at select courses (Mastercard Golf).
  • 15% off at Lalit Hotels.
• Visa :
  • 10% off Hertz, 35% off Avis car rentals.
  • Benefits at 900+ luxury hotels (Visa Offers).
• American Express :
  • 25% off at 700+ restaurants in India (Amex Dining).
  • Tablet Plus membership.
• RuPay : Lounge access per RuPay’s program (RuPay Lounges).

SBI Prime Card Fees and Charges

Here’s a clear breakdown of the costs:

Note : All fees include applicable taxes (18% Integrated Tax or 9% Central + 9% State Tax for Haryana residents). Check the full list at SBI Card Terms.

Eligibility Criteria

To apply for the SBI Prime Credit Card, you must meet these criteria:

• Age: 21–70 years for salaried individuals; 25–70 years for self-employed; above 40 for retired pensioners.
• Occupation: Salaried or self-employed with a continuous source of income.
• Credit Score: A good credit score is vital for SBI credit card Prime application approval.
• Income: While specific income requirements aren’t disclosed, sources suggest a minimum of Rs. 32,000/month (salaried) or Rs. 6 Lakhs/year (self-employed) may be required. Check with SBI Card for exact criteria.

Documents Required to Apply for the SBI Card Prime

Prepare these documents for your application:

• Proof of Identity:
  • PAN Card
  • Aadhaar Card
  • Driver’s License
  • Passport
  • Voter’s ID.
• Proof of Address: Aadhaar Card, Passport, Utility Bill (not over 3 months old), or Ration Card.
• Proof of Income: Recent salary slips, Form 16, Income Tax Return, or bank statements (last 3–6 months).
• Additional: Passport-size photographs may be required.

Methods to pay the SBI Prime Credit Card Bills

The following methods help you make SBI Credit Card Prime Bill Payments with ease.

• NEFT: You can make your SBI credit card bill payments through any bank account. Key in the following information:

• Account details of the card

• IFSC code.

Payments made via NEFT are simple and secure.

• RTGS: RTGS can be used to pay the bills for your SBI Prime Credit Card. Register your SBI Prime Credit Card as a beneficiary. You need to enter details like beneficiary name, beneficiary bank name, beneficiary branch address, beneficiary account number, and the IFSC code.
• Paynet: Use netbanking to pay your SBI credit card bills through Paynet.
• BillDesk: SBI credit card bill payments through Billdesk can be done using your bank’s netbanking or debit card.
• Mobile Banking: You can make your SBI credit card bill payments through mobile banking using the SBI card app or the SBI mobile banking app like Yono
• UPI: To make SBI Credit Card Bill Payments through UPI , you can use an UPI app like Google Pay, PhonePe, etc. You can complete the transaction by scanning the QR code or entering the UPI ID for your SBI Card.
• Auto Debit: Link your bank account with the account to which the bill amount must be paid and automate your payments.

How to Maximize Your SBI Prime Credit Card Benefits?

• Focus on High-Reward Categories : Use the card for dining, groceries, and movies to earn 10 points per Rs. 100.
• Hit Milestone Targets : Spend Rs. 50,000/quarter for Pizza Hut vouchers and Rs. 3–5 Lakhs annually for fee waivers and bigger vouchers.
• Plan Birthday Spending : Maximize the 20 points per Rs. 100 offer during your birthday period.
• Use Lounge Access : Take advantage of free lounge visits for a comfortable travel experience.
• Convert Big Purchases : Use Flexipay for transactions over Rs. 2,500 to manage payments.

Is the SBI Prime Credit Card Right for You?

This card is ideal if you:

• Spend heavily on dining, groceries, or movies.
• Travel frequently and value lounge access.
• Can spend Rs. 3 Lakhs+ annually to waive the renewal fee.
• Want a premium card with lifestyle perks like hotel and dining discounts.

It may not suit you if you prefer low-fee cards or don’t spend enough to justify the Rs. 2,999 annual fee.