SBI Prime Credit Card. Features and benefit, Charges

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Card Fees

₹2,999/-

Joining Fees

₹2,999/-

Annual Fees

3.5%

Foreign Transaction Fee

3.75%

APR

2.5%

Over-limit Fee

Eligibility Criteria

21-70

Minimum & Maximum Age Criteria

₹75,000/-

Minimum monthly income

750

Minimum Credit Score

Category

Minimum Credit Score Required

750

Annual Charges

₹2,999/-

Features

  • 10 Reward Points on Dining & Movies
  • 8 Domestic Lounge Visits/Year
  • 1% Fuel Surcharge Waiver

Welcome Offer

  • ₹3,000 E-Gift Voucher
  • Club Vistara Silver Membership
  • Trident Privilege Red Tier Membership

SBI Card PRIME is a premium credit card tailored for individuals who enjoy lifestyle benefits, travel perks, and high reward rates on daily expenses like dining and groceries. This card stands out with its attractive reward structure, milestone benefits, and exclusive access to airport lounges, making it a perfect fit for those who spend frequently and seek luxury privileges. Whether you’re traveling, dining out, or shopping, SBI Card PRIME offers valuable returns on your spends.

Written By:

Hasnain Memon

Last Updated:

April 24, 2025

Key Features

Features

  • Welcome Gift: E-gift voucher worth ₹4,999 on payment of joining fee
  • Reward Multiplier: 10x Reward Points on specific categories like dining and groceries
  • Milestone Benefits: Gift vouchers on annual spending of ₹3 lakh and above
  • Travel Benefits: Complimentary domestic and international lounge access
  • Entertainment: Discounts and extra points on movies and events
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver across all petrol pumps
  • Balance Transfer: Transfer outstanding balances from other credit cards at lower interest rates
  • Flexipay Option: Convert large purchases into easy EMIs

Benefits and Rewards

  • Reward Points:
    • 2 points per ₹100 on regular spends
    • 10 points per ₹100 on dining, groceries, departmental stores, and movies
  • Travel Benefits:
    • Complimentary airport lounge access (domestic & international)
    • Discounts on hotel bookings and car rentals
  • Milestone Rewards:
    • Gift vouchers worth up to ₹11,000 for annual spend targets
  • Exclusive Offers:
    • Complimentary golf sessions and dining discounts

 

Fees And Charges

Pro and Cons:

Pros:

  • High reward rates on dining and entertainment
  • Free airport lounge access
  • Annual fee waiver based on spend
  • Attractive milestone rewards

Cons:

  • High joining and annual fee
  • Base reward rate (0.5%) on general spends is lower than competitors
  • Limited travel perks beyond lounge access

How To Apply

  1. Visit SBI Card Website
  2. Go to sbicard.com
  3. Select SBI Card PRIME
  4. Navigate to the credit cards section and choose SBI Card PRIME
  5. Click ‘Apply Now’
  6. Click the apply button
  7. Fill Application Form
  8. Enter your personal and financial details
  9. Upload Documents
  10. Upload ID proof, address proof, and income proof
  11. Submit for Verification
  12. Wait for approval after submission
  13. Track Application

Additional Information

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  1. What is the joining fee for the SBI Prime Credit Card?
    • The joining fee is ₹2,999 + GST.​
  2. How can I waive the annual fee?
    • The annual fee is waived if you spend ₹3 lakh in the preceding year.
  3. What are the reward points earning rates?
    • Earn 10 reward points per ₹100 on dining, groceries, departmental stores, and movies; 2 reward points per ₹100 on other retail spends; and 20 reward points per ₹100 on birthday spends.
  4. What are the lounge access benefits?
    • Enjoy 8 complimentary domestic lounge visits and 4 international lounge visits per year.
  5. Are there any milestone benefits?
    • Yes, receive a ₹1,000 Pizza Hut voucher on quarterly spends of ₹50,000 and a ₹7,000 Yatra.com or Pantaloons voucher on annual spends of ₹5 lakh.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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