SBI Prime Credit Card

The SBI Card PRIME is a multipurpose credit card that provides advantages in the categories of dining, travel, shopping, hotels, rewards, and more. With this card, you can receive 2 reward points for every Rs. 100 spent on eating, groceries, and department store purchases, and 10 reward points for every Rs. 100 spent on other expenditures. The effective reward rate for the card is 2.5% on eating, grocery, and department store categories and 0.5% on all other expenditure categories, with 1 Reward Point valued at Rs. 0.25.

The card is a fantastic choice for high-spenders because it offers accelerated earnings on everyday spend categories including groceries, dining out, and department stores. Among the travel benefits available to cardholders are complimentary memberships to Club Vistara, Priority Pass, and Trident Red Tier.

Similar to the ELITE Card, the SBI Card Prime is available in three versions: VISA, American Express, and MasterCard. The payment networks do give certain unique benefits on each of their three varieties, even if the reward rate and perks provided by each are essentially the same. Continue reading to find out more about this card.

Key Highlights of SBI Prime Credit Card

SBI Prime Credit Card
Best Suited For Travel, shopping & rewards
Joining Fee Rs. 2,999
Annual Fee Rs. 2,999 (Waived off on spending Rs. 3 lakh in a year)
Welcome Benefit Welcome e-gift Voucher worth Rs. 3,000 from any of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and
PRIME Rewards Get 10 Reward Points per Rs.100 spent on Dining, Groceries, Departmental stores and Movies
Birthday Benefit Enjoy 20 Reward Points per Rs. 100 spent on your birthday.
Club Vistara Membership Enjoy Complimentary Club Vistara Silver membership
Milestone Benefits Get Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter
Best Feature 10 reward points for every Rs. 100 spent on dining, groceries, departmental stores and movies

The SBI Prime Credit Card offers a range of benefits on multiple categories such as dining, grocery, travel, golf, fuel, and more. Here are some key advantages of the SBI Prime Credit Card:

Welcome Benefits worth Rs. 3,000

This credit card offers e-gift vouchers worth Rs. 3,000 of top brands as per the below details:

  • Bata/ Hush Puppies, Pantaloons, Shoppers Stop: Voucher can be redeemed by showing the code at the respective brand store
  • Yatra, Shoppers Stop: Voucher can be redeemed online at the time of purchase
  • Aditya Birla Retail Voucher: Redeemable at select brands, including Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, and Simon Carter

Also read: Top Credit Cards with Best Welcome Benefits

Reward Benifits

This credit card allows you to earn up to 20 reward points for every transaction, making it one of the top rewards cards available. Additionally, you have the option to use your accumulated reward points to pay off your credit card bills. Here are the details:

  • Earn 20 reward points for every Rs. 100 spent on your birthday.
  • Earn 10 reward points for every Rs. 100 spent on groceries, dining, departmental stores and movies.
  • Earn 2 reward points for every Rs. 100 spent on all other retail purchases, except for fuel.
*Please note that the reward points earned on birthday spending (which includes one day before, on, and one day after your birthday) are limited to a maximum of 2,000 reward points per calendar year.
4 reward points = Re. 1 | 1 reward point = Re. 0.25

Reward Points Redemption

  • Gift cards with the SBI smartphone app or on
  • Paying down the remaining balance on the card.
How to Redeem SBI Reward Points?

If you visit the official SBI Card website, you can use the reward points you've earned on your credit cards online. Visiting the partner merchant store is another way to redeem them. For an alternative method of redeeming your reward points, you can also call the SBI Card helpdesk 39020202 (prefix local STD code). Up until a specified limit, points can be redeemed in multiples of 2000.

Must read: Best Rewards Credit Cards in India

Milestone Benefits

When you reach spending milestones with this credit card, you can enjoy additional benefits, including complimentary vouchers and a renewal fee waiver. Here's what you get:

  • Receive a Pizza Hut gift voucher worth Rs. 1,000 when you spend Rs. 50,000 in a calendar quarter.
  • Enjoy a waiver on the annual renewal fee when your annual spending reaches Rs. 3 lakh.
  • Earn a Yatra or Pantaloons gift voucher worth Rs. 7,000 by achieving annual spends of Rs. 5 lakh.

Dining and Movie Benefits

  • 5X Reward Points (10 Reward Points for every 100 Rupees spent on movies).
  • Enjoy a dining bonus of up to 25% off at partner restaurants (available exclusively with the American Express version).

Golf Benefits

The benefits of using the Mastercard version for golf are as follows:

  • Four complimentary rounds of golf.
  • Save up to 50% on golf games.
  • Monthly free golf lesson of one.

Birthday Benefit

  • Earn 20 Reward Points for every Rs. 100 you spend on your birthday (the maximum number of Reward Points that may be earned from birthday purchases (the day before, the day of the birthday, and the day after) is 2000 every calendar year).

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver is available at all gas pumps for transactions between Rs. 500 and Rs. 4,000.
  • Extra GST will be levied if applicable.
  • There is a maximum surcharge waiver of Rs. 250 per statement cycle, every month.

Airport Lounge Access

  • Four visits to international Priority Pass lounges per calendar year, outside India, with a maximum of 2 visits allowed in each quarter.
  • Eight complimentary visits to domestic lounges within India per calendar year, with a maximum of 2 visits allowed in each quarter.

Travel Benefits

This credit card provides primary cardholders with complimentary memberships, including Trident Privilege Red Tier Membership, Club Vistara Membership, and access to both international and domestic airport lounges. These memberships come with exclusive discounts and privileges, as outlined below:

Complimentary Trident Privilege Red Tier Membership

  • Receive 1,000 welcome points upon registration.
  • Get an additional 1,500 bonus points on your first hotel stay.
  • Enjoy an extra 1,000 hotel credit when extending your stay for a night (use promo code: SBITH).
  • Receive a 10% instant discount when booking directly through the hotel's website.
  • Earn 10 points for every Rs. 100 spent during your stay at participating hotels.

Complimentary Club Vistara Membership

  • You will receive a complimentary Club Vistara Silver Membership.
  • You'll get 1 upgrade voucher.
  • Earn 9 Club Vistara (CV) Points for every Rs. 100 spent on Vistara flights.

Suggested read : Best Travel Credit Cards In India

Insurance Benefits

  • Complimentary Rs. 50 lakh flight accident liability coverage.
  • Fraud liability coverage up to Rs. 1 lakh is available from 48 hours before to 7 days after the bank is notified of the card loss.

Fraud Liability Cover

  • Holders of SBI Card PRIME are eligible for free insurance coverage against fraud and accidents.
  • 50 lakhs rupees Liability coverage for Air accidents.
  • Credit card fraud liability cover of Rs. 1 lakh.
  • Within two to seven days, report a lost or stolen card to the SBI Card Helpline at 1860 180 1290 or 39 02 02 02 (prefix local STD code).


  • With SBI Card PRIME, Flexipay gives you the option to split purchases up to Rs. 2,500 into convenient monthly installments (EMIs).
  • You can log onto the website and request Flexpay within 30 days of the transaction.

Global Acceptance

  • More than 24 million locations worldwide, including 3,25,000 in India, accept the SBI Card PRIME.

Balance Transfer on EMI

  • You can transfer the balances of your other credit cards to SBI Card PRIME at a reduced interest rate and manageable interest payments with the use of the balance transfer option.

Easy Bill Pay Facility

  • With the Easy Bill Pay feature, all cardholders can conveniently pay their utility bills—for phone, energy, mobile, etc.

Add-on Cards

  • You can request add-on cards for two family members who are older than 18 using SBI Card PRIME.

Other Benefits

In addition to the previously mentioned benefits, this credit card also provides exclusive privileges for Visa cardholders. Here are some of the additional benefits offered by the SBI Card Prime:

  • Receive discounts of up to 10% on Hertz car rentals.
  • Enjoy discounts of up to 35% on Avis car rentals.
  • Access exclusive benefits at 900 luxury hotels worldwide.
  • You can replace your stolen or lost SBI PRIME credit card from anywhere in the globe.
  • You can make transactions using your SBI Card with ContactLess Advantage without having to provide the card to someone in person. To transact, simply wave your card at a secure scanner.

Here are the annual fees and other charges associated with the SBI Prime Credit Card:

Title Details
Joining Fee Rs. 2,999
Annual/ Renewal Fee Rs. 2,999 (Waived off on spending Rs. 3 lakh in a year)
Finance Charges 3.5% p.m. (42% p.a.)
Add-On card fee NIL
Cash advance fee

2.5% of the amount withdrawn or Rs.500 (Domestic ATMs)

2.5% of the amount withdrawn or Rs.500 (International ATMs)

Late Payment Charges** For Statement Balance
  • Up to Rs. 500: Nil
  • Rs. 500 up to Rs. 1,000: Rs. 400
  • Rs. 1,000 up to Rs. 10,000: Rs. 750
  • Rs. 10,000 up to Rs. 25,000: Rs. 950
  • Rs. 25,000 up to Rs. 50,000: Rs. 1,100
  • Above Rs. 50,000: Rs. 1,300
Payment dishonor fee 2% of the payment amount; minimum of Rs.450
Statement request Rs.100 per statement (more than 2 months old)
Cash payment fee Rs. 250
Cheque payment fee Rs. 100
Rewards redemption fee Rs. 99
Foreign currency transaction 3.50%
Over limit fee 2.5% of the over limit amount; minimum of Rs.600

**If you fail to pay the Minimum Amount Due (MAD) by the due date for two consecutive cycles, an additional Late Payment Charge of Rs. 100 will be imposed. This charge will persist and be applied in each subsequent payment cycle until the MAD is settled.

Apply for SBI Prime Credit Card with MybankingTips

Apply Now

Eligibility Criteria of SBI Credit Card Prime

If you want to be approved for the SBI PRIME credit card, you must meet the following basic eligibility requirements:

  • An applicant's credit score of 750 or higher is required.
  • Either self-employed or on a salary should be the candidate.
  • The primary applicant's age range must be between 21 and 70 years old.
  • An ongoing source of income is required of the applicant.
  • A clean credit record is a requirement for the candidate.

Documents Required to Apply for SBI Prime Credit Card

  • A copy of Form 60 or PAN card.
  • Filled Credit Card Application Form.
  • Color passport-sized photos of the candidate.
  • Identity verification: Aadhaar card, PAN, driver's license, etc.
  • Income proof: Form 16, an IT return copy, etc.
  • Address Proof Such as an Aadhar card, Ration card, power bill, or passport.

Check if you are eligible for the SBI Prime Credit Card on

Apply Now

Here are some of the Best credit cards that provide benefits similar to the SBI Card Prime:

Credit Card Annual Fee Key Feature
IndusInd Bank Legend Credit Card Nil 2 reward points for every Rs. 100 spent on weekends
ICICI Bank Sapphiro Credit Card Rs.3.500 Up to 4 PAYBACK points on every Rs. 100 spent
HDFC Diners Club Privilege Credit Card Rs. 2,500 Up to 10X reward points on your spends via SmartBuy
HDFC Regalia Credit Card Rs. 2,500 4 reward points per Rs. 150 spent at retail purchases
Axis Bank Select Credit Card Rs. 3,000 10 EDGE points per Rs. 200 spent

Apply for SBI Prime Credit Card

Apply Now
apply card image

You have the option to compare and apply for SBI Prime Credit Cards conveniently online through MybankingTips. Here are the steps to do so:

Step 1: Visit MybankingTips SBI Credit Card Section. Step 2: Select Your Ideal Credit Card. Step 3: Click on the ‘Apply Now’ tab. Step 4: Fill in the required details to find out if you are eligible to apply for the card. Step 5: Once you have entered all the necessary information, click on ‘Submit’. Step 6: After you have successfully provided all the required information, you will receive a message with your application ID.

How To Check SBI Card Prime Application Status?

Use any of the following methods to find out the status of your SBI Prime card if you have already applied:

  • Go to the SBI Card official website and select the "Credit Cards" option to check the status of your online application. Select the "Track Application" option by scrolling down, click it, provide the necessary information, and continue. Your application's status will become visible in just a couple of seconds.
  • Making a call to SBI Card customer service and asking them about your SBI Prime card application status is the simplest method to find out.
  • Visit the branch that is closest to you and inquire about the progress of your credit card application from the branch executives.

If you want a credit card that offers premium benefits in a variety of categories but don't want to pay a high annual fee, the SBI Prime Credit Card is one of the best options available to you. The features that come with this credit card are very good, and it costs just Rs. 2,999. This credit card offers free access to domestic and international lounges, special memberships, e-gift cards, milestone benefits, up to 10X reward points on specific categories, and many other benefits.

The Rs. 2,999 registration fee for this card is reasonable for the Rs. 3,000 in welcome benefits it gives. In general, this card might be a suitable choice for you if you travel regularly and require access to airport lounges or wish to take use of luxurious features like hotel stays, car rentals, airport transfer services, etc.

Also read: Best Co-branded Credit Cards in India

Depending on the customer, the SBI Card Prime credit limit may vary. This card has no set credit limit; instead, it is entirely dependent on the individual's credit history and historical payment patterns. At first, your credit limit might be reduced, but if you use your Prime card frequently and don't miss any payments or use it excessively, there's a good possibility your card issuer will give you a greater limit.

You can ask your card issuer to raise your credit limit if you think the amount available on your SBI Prime Card is insufficient. You have two options for doing this: go to the closest branch in the area or get in touch with SBI Card customer service. However, to increase your credit limit and have your card issuer believe you, make sure you are using your credit card wisely.

Advantages Disadvantages
The Rs. 2,999 annual charge is refunded after the minimum spend is met. The card is a fantastic choice for people who enjoy spending money on lifestyle-related categories because it gives interesting benefits in a variety of lifestyle categories, including dining, entertainment, golf, etc.
For individuals who are unable to afford the Rs. 2,999 yearly cost, the card may not be the best option. It would be better to increase the basic reward rate (2 RPs for every Rs. 100 spent).

Activate your Prime SBI credit card or set up its PIN using your preferred method from the list below:

  • If you haven't previously, link your SBI Prime card to your SBI Card online banking account. After that, it's easy to find an online option to create or modify your credit card PIN.
  • If you are experiencing difficulties setting your credit card PIN using the previously listed methods, you can seek assistance from SBI Card customer support.
  • You can also activate your credit card using an ATM. When you visit the nearest SBI ATM, look for the option to generate a credit card PIN on the main menu.

You need to do the following few easy actions in order to register your SBI Prime Card for internet banking:

Step 1: Visit Step 2: Select 'New User? Register Now' from the menu by clicking the 'Login' button. Step 3: A new webpage will be displayed to you. Step 4: You'll need to enter your date of birth, credit card number, and CVV on this screen. Step 5: Select "Proceed" from the menu. Step 6: Enter the One Time Password (OTP) that was issued to the email address and registered mobile number, then click "Proceed." Step 7: After that, the person will be taken to a page where they can choose their own user ID and password for their SBI credit card. Step 8: Select "Confirm" by clicking the button. Step 9: The SBI credit cardholder can use the SBI Credit Card Net Banking service after completing the registration process.

Paying your SBI Prime Credit Card bills on time will help you keep your credit score high and avoiding debt consolidation. You need to know how to pay your credit card bills in several ways in order to ensure that you always pay your bills on time. This way, you can use the second option in case your first method isn't working. The easy methods listed below can help you pay your SBI Prime Card bill:

  • Through the YONO app, you can settle your SBI Card bill. You have to connect your credit card and register on the app in order to do this. After that, you may quickly pay your credit card account by selecting the "Pay" option found in the "My Credit Cards" section.
  • You can pay your SBI Prime Card bill easily with the SBI Card Billdesk. Simply input the necessary information, such as the amount to be paid, email address, mobile number, and card number, to complete the transaction.
  • You can also use the closest SBI ATM to you to pay the bill. Simply search the main menu for a credit card payment option.
  • If you don't trust online methods, you can visit your closest SBI office and pay the bill in person with cash, or you can leave a check at an ATM Dropbox along with your card number and other information.

  • The following numbers can be used to get in touch with customer service if you have any questions or concerns with your SBI Card Prime: 1800 180 1290 (toll-free), 1860 500 1290, 1860 180 1290, or 39 02 02 02 (prefix your local STD).
  • You can send an email to with all of your information, including your name, credit card number, and registered cellphone number, if you would like to elaborate on your question or complaint.
  • If you're active on social media, you may reach SBI Card customer service by tweeting at @SBICard_Connect.

Apply for SBI Prime Credit Card with MybankingTips

Apply Now


By logging into your SBI Card account and selecting the 'Card Activation' option found under the 'Requests' menu, you can activate your credit card. Next, in order to activate your credit card, you must choose it and click the activation button. In addition, you can use the SBI Credit Card mobile app to activate it.

You have two options for paying your SBI credit card bill: online and offline. You can use services like Visa credit card pay, debit card, National Automated Clearing House (NACH), electronic bill payment, NEFT, etc. to pay your credit card bill online. Credit card bills can be paid offline with cash, cheque, demand drafts, and SBI ATMs.

To be eligible to apply for an SBI Prime Card, salaried individuals must be at least 21 years old, and self-employed individuals must be at least 25 years old. This credit card is also available for application from retired pensioners who are between the ages of 40 and 70.

By visiting the following URL to monitor the progress of your SBI Prime credit card application:, where you can input your application number or reference number in the "Track Application" box and click "Track."

Yes, with your SBI Card Prime, you are eligible to apply for up to two add-on cards. For add-on credit cards, the bank doesn't charge any fees. All of your credit cards will, however, be merged into a single monthly statement that you receive from SBI.

Yes, you may apply for this credit card both offline and online. You may speak with an executive at any of the nearby SBI Bank offices to apply offline. You can apply online by visiting the SBI Card official website and completing an application.

If you make transactions between Rs. 500 and Rs. 4,000, you are eligible to receive a 1% waiver of the fuel cost. However, you are eligible for a monthly limit of Rs. 250 in fuel fee waiver. You can use this for all of your transactions at Indian gas stations.

Your application for the SBI Prime card may have been denied for a number of reasons, including the possibility that you did not meet the necessary requirements. The bank has the right to refuse your application if your credit score is low or if you do not withdraw the required amount each month. The bank has the right to reject your application if you are unable to provide the necessary documentation.

In India, you can contact the bank's 24-hour helplines at 1860 180 1290 or 39 02 02 02 (prefix local STD code) to report losing your SBI PRIME Credit Card right away. Call the country-specific Visa hotline number to report a lost or stolen card if you are traveling abroad. Visit the SBI or Visa websites to view a list of toll-free numbers from over 70 countries.

Yes, you are able to use the card anywhere in the world. Worldwide, more than 24 million locations accept the SBI Card PRIME. Each time you use the card abroad, there will be a foreign transaction fee that can be as much as 3.5% of the total transaction value.

Yes, you can transfer the balance due on other bank credit cards to your SBI PRIME Credit Card using the balance transfer on EMI feature of the SBI PRIME Credit Card. After the money is sent, you can repay it over different tenure periods at a reduced interest rate in convenient monthly payments.

Yes, swipe-free transactions at POS terminals are made possible by the contactless technology that powers the SBI PRIME Credit Card.

Customers using SBI Credit Cards can reach customer support by calling 1800-11-2211 or 1800-425-3800, which is a toll-free number. The other SBI Credit Card customer service number, (STD Code) 39020202, is also available for use. On this number, standard call fees might be applicable.

The SBI Prime Card has an interest rate of 3.50% per month, or 42% annually.

When you use the SBI Prime Credit Card, you can receive a complimentary Priority Pass membership. You can visit more than 1,000 domestic and international lounges worldwide with the subscription. Priority Pass is complimentary for the first four visits made with this card; after that, there is a $27 usage cost each time you wish to use Priority Pass to access a lounge.

Yes, you can use your SBI Credit Card Prime to make cash withdrawals. However, each time you use your SBI Prime Card to withdraw cash, you will be charged a fee equal to 2.5% of the amount withdrawn (minimum of Rs. 500).

The cardholder will be responsible for paying a foreign markup fee of 3.5% of the transaction value for each foreign transaction made using the card.

Apply for SBI Prime Credit Card

Apply Now
apply card image

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card: