Spar SBI Card Prime
Last Updated : July 3, 2025, 1:25 p.m.
The Spar SBI Card Prime is a premium credit card designed for those who value rewarding experiences, seamless convenience, and exclusive privileges. Tailored to elevate your lifestyle, this card offers a bouquet of benefits, from generous reward points to complimentary lounge access and contactless payment features. Whether you’re shopping at Landmark Stores, dining out, or traveling the globe, the Spar SBI Card Prime ensures you’re rewarded for every moment. Let’s explore why this card stands out as a top choice for modern consumers.
SBI Spar Card Prime Features and Benefits
Welcome Benefits That Kickstart Your Journey
Start your Spar SBI Card Prime experience with a warm welcome.
- Upon paying the annual fee, you’ll receive 12,000 bonus reward points (equivalent to ₹3,000).
- These points are credited to your account within 30 days, giving you an instant boost to redeem for exciting rewards.
Unlike many competitors, this generous welcome offer sets the tone for a rewarding relationship with your card.
Earn More with Every Spend
The Spar SBI Card Prime transforms your everyday spending into rewarding opportunities:
- 15 Reward Points per ₹100 spent at online & retail landmark stores (Home Centre, lifestyle, Max, and Spar).
- 10 Reward Points for every ₹100 spent on dining and movies.
- 2 Reward Points for every ₹100 spent on other retail purchases (excluding fuel).
- With 4 Reward Points equating to ₹1 , your points quickly add up, making every transaction count.
Compared to other cards in the market, the high reward rate on Landmark Stores and dining makes this card a standout for frequent shoppers and foodies.
Milestone Benefits: Maximize Your Rewards
The Spar SBI Card Prime rewards you for hitting spending milestones, offering up to 58,000 bonus Reward Points worth ₹14,500 annually:
- Earn 20,000 bonus reward points when your total annual retail spending reaches ₹5,00,000.
- Get 6,000 additional reward points by spending ₹40,000 in a year at Landmark-affiliated stores.
- Receive bonus reward points of 12,000 on yearly spends of ₹100,000 across landmark stores.
- Receive bonus reward points of 20,000 on yearly spends of ₹1,80,000 across landmark stores.
These milestone benefits are structured to reward loyal cardholders, offering significantly higher returns than many competing cards, which often cap rewards at lower thresholds.
Fuel Surcharge Waiver: Save at the Pump
- Enjoy waiver of 1% fuel surcharge on transactions between ₹500 and ₹4,000 (Excluding GST and other charges) at any petrol pump in India.
- With a maximum waiver of ₹250 per statement cycle, this perk ensures you save on fuel costs, a feature that’s particularly valuable for frequent drivers.
Renewal Benefits to Keep the Rewards Coming
Renewing your Spar SBI Card Prime comes with its own rewards:
- Pay the renewal fee and get 12,000 reward points (Of value ₹3,000), credited within 30 days.
- This consistent reward structure ensures long-term value, unlike some cards that reduce benefits after the first year.
Instant Reward Redemption
You can redeem the reward points accrued with ease at Lifestyle, Max stores, Home Centre, and Spar. The instant redemption feature sets the Spar SBI Card Prime apart, offering flexibility and convenience that competitors like HDFC or ICICI cards may not match as seamlessly.
Travel in Style with Lounge Access
Travelers will love the Spar SBI Card Prime’s lounge benefits:
- Domestic Airport Lounge Access : Enjoy 8 complimentary visits per year (Up to 2 per quarter) to domestic airport lounges in India. Unutilized visits lapse at the end of each quarter, ensuring you make the most of this perk.
- Complimentary Priority Pass Membership : Get a Priority Pass membership worth USD 99 with 4 complimentary visits per year (limited to 2 per quarter). Post-complimentary visits are charged at USD 27 plus applicable taxes. Apply for your Priority Pass at sbicard.com.
These travel benefits cater to frequent flyers, offering a premium experience that rivals cards like the American Express Platinum or HDFC Diners Club.
Contactless Advantage for Seamless Transactions
The Spar SBI Card Prime embraces modern convenience with contactless payment technology. Simply wave your card at a secure reader for quick, hassle-free transactions:
- Fast & Convenient : No need to hand over your card or fumble with cash for small purchases.
- Secure : The card stays in your hand, reducing the risk of skimming or fraud. Visa payWave’s unique security key ensures only one transaction is processed, even if waved multiple times.
This feature aligns with global trends toward contactless payments, making the Spar SBI Card Prime a forward-thinking choice.
Global Acceptance for a Borderless Lifestyle
- Use your Spar SBI Card Prime at more than 24 million outlets all over the world. This includes 3,25,000 outlets in India.
- The card is accepted wherever Visa is. You can shop without using this card, whether shopping locally or travelling overseas.
- Its global reach surpasses many regional cards, offering unmatched flexibility.
Empower Your Family with Add-On Cards
You can enhance your family's spending experience by providing add-on cards under your SPAR SBI Card Prime account. These can be issued to close family members like your spouse, parents, children, or siblings who are 18 years or older. While your loved ones enjoy the benefits of the card, you stay in charge of the overall account usage and payment responsibilities.
Cash and Bill Payments Made Easy
- Cash on the Go : Withdraw cash from over 1 million Visa ATMs worldwide, ensuring access to funds wherever you are.
- Utility Bill Payments : Use the Easy Bill Pay facility to settle electricity, telephone, mobile, and other utility bills effortlessly.
- Balance Transfer on EMI: Move the pending dues from your other credit cards to your SPAR SBI Card Prime and repay them conveniently through EMIs at a reduced interest rate. Log in to sbicard.com to use this service.
- Flexipay : Convert buys of ₹2,500 or more into easy monthly installments by logging into sbicard.com within 30 days of purchase.
These features provide financial flexibility, setting the Spar SBI Card Prime apart from competitors with less comprehensive payment options.
Why Choose the SPAR SBI Card Prime?
The SPAR SBI Card Prime brings together top-tier lifestyle benefits, attractive rewards, and travel privileges, offering great value for regular shoppers and travellers alike. With high reward rates, milestone bonuses, and modern features like contactless payments, this card caters to those who want convenience without compromising on returns.
One of its standout features is the ability to instantly redeem earned points at Landmark Stores such as Lifestyle, Home Centre, Max, and SPAR. Combined with international lounge access, accelerated rewards on dining and movies, and yearly renewal bonuses, this card is a smart pick for users seeking year-round value.
If you're looking for a premium credit card that rewards everyday spending and travel alike, the SPAR SBI Card Prime is a compelling choice. Apply online at sbicard.com to enjoy these exclusive benefits.
Eligibility Criteria for SPAR SBI Card Prime
To apply for this card, applicants must fulfill the following criteria:
- Age: Must be in the range of 18 and 60 years old.
Income Requirements:
- Salaried: Minimum monthly income of ₹50,000.
- Self-Employed: Minimum annual income of ₹6 lakhs.
Occupation: Open to both salaried and self-employed individuals.
Residency: Applicant must be an Indian citizen.
Credit Score: A score of 750 or more enhances approval chances.
SPAR SBI Card Prime – Fees and Charges
| Fee/Charge Type | Amount/Details |
|---|---|
Joining Fee | ₹2,999 + GST |
Renewal Fee | ₹2,999 + GST (every year) |
Cash Advance Fee | 2.5% of transaction amount or ₹500 (whichever higher) |
Cash Payment Fee | ₹250 + taxes |
Interest-Free Period | 20 to 50 days |
Finance Charges | 3.75% per month (or 45% annually) |
Payment Dishonor Fee | 2% of amount or ₹500 (whichever is higher) |
Cheque Payment Fee | ₹100 |
Late Payment Fee | Based on total due: • Up to ₹500 – Nil • ₹501–₹1,000 – ₹400 • ₹1,001–₹10,000 – ₹750 • ₹10,001–₹25,000 – ₹950 • ₹25,001–₹50,000 – ₹1,100 • Above ₹50,000 – ₹1,300 |
Overlimit Fee | 2.5% of excess amount or ₹600 (whichever higher) |
Card Replacement Fee | ₹100 – ₹250 |
Foreign Currency Mark-up | 3.5% |
Emergency Overseas Replacement Fee | Nil |
Rent Transaction Fee | ₹199 per transaction |
Documents Required for SBI Spar Prime Credit Card
Identity Proof (any one):
- PAN Card
- Aadhaar Card
- Passport
- Voter ID
- Driving License
- NREGA Job Card
- Person of Indian Origin/OCI Card
- UIDAI-issued letter
Address Proof (any one):
- Aadhaar Card
- Utility bill (under 3 months old)
- Driving License
- Property registration papers
- Bank statement
- NREGA Job Card
- Ration Card
Income Proof:
- Latest salary slips (within last 3 months)
- Form 16
- 3-month bank account statement
Comparing the SPAR SBI Card Prime With Other Cards
| Feature | Spar SBI Card Prime | HDFC Regalia Gold | Axis Bank SELECT Credit Card | Tata Neu Plus HDFC Credit Card |
|---|---|---|---|---|
Joining / Annual Fee | ₹2,999 + GST | ₹2,500 + GST | ₹3,000 + GST | ₹499 + GST |
Welcome Benefit | 12,000 RPs (~₹3,000) on fee payment | Gift voucher ~₹2,500 + lounge access | 10,000 EDGE points (~₹2,000) | 499 NeuCoins + launch bonus |
Reward Rate – Co‑brand Shopping | 15 RPs/₹100 at Lifestyle, Spar, Max, Home Centre | 5× on select brands (Myntra, M&S, etc.) | ~10 EDGE/₹200 (~5×) across categories | 2% NeuCoins on Tata brands |
Reward Rate – Dining & Movies | 10 RPs/₹100 | 5× or 4 RPs/₹150 (~3.3×) | Rolling EDGE rewards, movie deals monthly | 1% NeuCoins on non-Tata spends |
Reward Rate – Others | 2 RPs/₹100 | 4 RPs/₹150 (~2.7×) | ~12 EDGE/₹200 for travel etc. (~6×) | 1% NeuCoins |
Milestone Benefits | Up to 58,000 RPs (~₹14,500) annually | ₹1,500–₹5,000 voucher on quarterly/yearly spends | Monthly BigBasket/Swiggy/Movies credits | Not specific; bonuses on Tata spends |
Domestic Lounge Visits | 8 visits/year (max 2/quarter) | 12 domestic + 6 international | 2 domestic/quarter + 12 intl + 12 golf rounds | 4 domestic lounges/year |
International Lounge Access | Priority Pass membership + 4 visits/year | 6 international visits | Up to 12 international visits | N/A |
Fuel Surcharge Waiver | 1% on ₹500–₹4,000 (Maximum ₹250/month) | 1% on ₹500–₹5,000 | 1% waiver included | 1% on ₹500–₹3,500 |
Best For | Frequent Landmark‑group shoppers who also travel moderately | Lifestyle shoppers with travel/airport lounge needs | Premium perks seekers; travel, golf, dining | Loyal Tata brand shoppers with moderate spend appetite |
SPAR SBI Card Prime – Bill Payment Methods
You can make your SBI Credit Card bill payments using any of the following methods:
Online Payment Methods
- UPI Payment
Open any UPI-supported app (Like Google Pay, PhonePe, or Paytm). Then, initiate a payment to your SBI card by providing the unique UPI ID. It enables you to pay your credit card bill without any delays in a fast and reliable manner. - NEFT Transfer
Log in to your online banking and add information pertaining to your SBI Card to initiate payments securely. Use your 16-digit card number as the account number and the IFSC code SBIN00CARDS. Once added, transfer funds to settle your dues—typically credited on the same day. - YONO SBI App
If you're an SBI account holder, you can pay your credit card bill directly through the YONO app by linking your credit card. This method is instant and secure. - Auto-Debit Setup (e-NACH)
Enroll for the auto-debit facility to automate monthly payments from your bank account. You have the option to pay either the total outstanding balance or just the minimum amount to keep your payments on track each month. - Payment via Other Bank Accounts
You can also use your net banking from any other bank to make credit card payments through Visa or MasterCard payment services. This allows flexibility in managing bills from different accounts
Offline Payment Methods
- SBI Branches
Walk into any SBI branch to make a payment through cash or cheque. Note that cash payments may involve a processing fee, and clearance for cheques may take up to 3 business days. - SBI ATMs
Visit designated SBI ATMs that support credit card payments. Use your debit card to pay by following the on-screen prompts. - Drop Box Facility
Write a cheque in favour of your 16-digit SBI Card number and drop it in the official cheque drop boxes. It may take 3–5 working days to reflect in your credit card statement.
Conclusion
The SPAR SBI Card Prime is thoughtfully designed for individuals who seek meaningful rewards from everyday spending. Whether you're shopping at Landmark group outlets, enjoying fine dining, or booking travel, this card ensures you earn while you spend. It offers excellent value through features like accelerated rewards, milestone-based bonuses, and complimentary lounge access. With added advantages like global acceptance, tap-to-pay convenience, and instant redemption options, it stands out as a dependable lifestyle credit card for both domestic and international use.
Frequently Asked Questions (FAQs)
