SBI
SBI Prime Credit Card
This is an invite only card
Apply and get ₹1400 Rewards
Top Benefits
Get a welcome E-Gift Voucher worth ₹3,000
redeemable across Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, or Shoppers Stop
20 Reward Points Per ₹100 on Birthday
spends made one day before, on, and one day after your birthday, capped at 2,000 reward points per year
Best For
Dining
Grocery Shopping
Travel
Joining/Annual Fee
Joining Fees
₹3,539 ( ₹2999 + GST )
Annual Fees
₹3,539 ( ₹2999 + GST )
Eligibility
Age
Criteria*
21-70 years
Salary
Criteria*
9LPA
Credit
Rating*
700+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
See if you are eligible for this card
All Card Benefits
- 8 complimentary domestic airport lounge visits and 4 international Priority Pass visits every year (max 2 per quarter for international, outside India)
- Earn 10 Reward Points per ₹100 on dining, departmental stores, and grocery spends; 2 Reward Points per ₹100 on other retail spends
- Complimentary 1-year Club ITC Silver Tier Membership and Priority Pass Program membership worth $99
- Birthday Benefit: 20 Reward Points per ₹100 on birthday spends, capped at 2,000 Reward Points per calendar year
- Pizza Hut e-Voucher worth ₹1,000 on ₹50,000 quarterly spends, ₹7,000 e-Voucher from Yatra.com/Pantaloons on ₹5 lakh annual spends, plus renewal fee waiver on ₹3 lakh annual spends
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
You can redeem your reward points here:
To check redemption catalogue
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an SBI Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an SBI Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Transactions
Rent Payments
Wallet Loads
Cash Withdrawals
EMI Transactions or spends converted to EMI (pre or post-purchase)
Government and Statutory Payments
Education Payments
Insurance Premium Payments
Utility Bill Payments
Railway Ticket Bookings
Gift Card or Voucher Purchases
Gambling or Lottery Transactions
Cryptocurrency or Digital Asset Transactions
Cancelled or Reversed or Refunded Transactions
For Spends Waiver
Fuel Transactions
Rent Payments
Wallet Loads
Cash Withdrawals
EMI Transactions
Interest and Penalties
Government and Statutory Payments
Education Payments
Insurance Premium Payments
Utility Bill Payments
Railway Ticket Bookings
Gift Card or Voucher Purchases
Gambling or Lottery Transactions
Cryptocurrency or Digital Asset Transactions
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Finance charges of 3.75% per month (42% per annum) apply on unpaid outstanding balances until the amount is fully repaid. | 3.50% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges. | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card | ₹199 + GST |
Cheque Payment Fees ₹200 will be charged for all payments done via Check | ₹200 |
Cash Payment Fees ₹250 cash payment fee per deposit. | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹500 - ₹1000 | ₹400 |
| ₹1000 - ₹10000 | ₹750 |
| ₹10000 - ₹25000 | ₹950 |
| ₹25000 - ₹50000 | ₹1100 |
| ₹50001 and above | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹1400 Rewards
Top Benefits
Get a welcome E-Gift Voucher worth ₹3,000
redeemable across Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, or Shoppers Stop
20 Reward Points Per ₹100 on Birthday
spends made one day before, on, and one day after your birthday, capped at 2,000 reward points per year
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