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
The SBI Prime Credit Card is a mid-premium lifestyle credit card from SBI Card built around dining,...
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The SBI Prime Credit Card is a mid-premium lifestyle credit card from SBI Card built around dining,...
The SBI Prime Credit Card is a mid-premium lifestyle credit card from SBI Card built around dining, grocery, departmental store, and movie benefits. Issued on the Visa network, it carries a ₹2,999 joining fee and a ₹2,999 annual fee, with the annual fee waivable on annual spends of ₹3,00,000 or more.
The flagship welcome benefit is a ₹3,000 e-Gift voucher on activation (within 60 days of payment of joining fee), which fully offsets the joining fee. Eligibility requires applicants to be between 21 and 70 years of age (25-70 for self-employed), with a minimum annual income of ₹9 LPA for both salaried and self-employed (₹75,000 monthly). CIBIL score requirement is 750 or above.
The card delivers tiered rewards: 10 reward points per ₹100 on dining, departmental stores, grocery, and movies; 20 reward points per ₹100 on birthday spends (max 2,000 points); and 2 reward points per ₹100 on other retail. 1 reward point = ₹0.25, so dining/grocery delivers 2.5% effective return.
Travel benefits include complimentary Priority Pass with a $99 enrolment fee covered by SBI Card, 8 domestic + 4 international lounge visits per year (max 2 per quarter for international), and complimentary Club ITC Silver membership for first-year ITC hotel benefits.
The card delivers strong milestone benefits: ₹1,000 Pizza Hut voucher on quarterly spend of ₹50,000, plus ₹7,000 worth of Yatra/Pantaloons vouchers on annual spend of ₹5 lakh.
Forex markup is 3.5% on international transactions, which is industry-standard but uncompetitive compared to forex-focused premium cards.
View FAQ
Commonly Asked Questions
Q. What is the joining fee?
A. The joining fee is ₹2,999 plus applicable GST, offset by a ₹3,000 e-Gift voucher on activation.
Q. Can the annual fee be waived?
A. Yes, on annual spends of ₹3,00,000 or more.
Q. What is the reward structure?
A. 10 RPs per ₹100 on dining/departmental/grocery/movie spends, 20 RPs per ₹100 on birthday spends (max 2,000 points), and 2 RPs per ₹100 on other retail.
Expert Review
The SBI Prime is a strong mid-premium lifestyle credit card for families and households with concentrated lifestyle spending. The 10 RP per ₹100 on dining/grocery/departmental/movies (2.5% effective return) is among the strongest accelerated category rewards in the Indian market.
For a typical family spending ₹2.5 lakh annually on rewarded categories and ₹2 lakh on other retail, the card delivers approximately ₹6,250 (accelerated rewards) + ₹1,000 (other retail) + ₹4,000 (milestone Pizza Hut quarterly) + ₹7,000 (Yatra/Pantaloons annual milestone) + Club ITC Silver value = ₹18,000+ in annual value. Against ₹3,539 fee, this is 5x ROI.
The Club ITC Silver membership is a unique benefit. For families staying at ITC hotels even occasionally, the F&B discount and member rates add significant value.
The card has limitations. The 3.5% forex markup is uncompetitive. The 2% rent payment charge and 3.5% ATM fee are higher than typical cards. The reward redemption fee adds friction.
Our recommendation: get this card if your family spends ₹15,000+ monthly on dining, grocery, and departmental stores and you stay at ITC hotels occasionally. For pure cashback simplicity, the SBI Cashback may deliver more. For unlimited lounges and international travel, the SBI Elite is better at higher fee.
Joining/Annual Fee
Joining Fees
₹3,539 ( ₹2999 + GST )
Annual Fees
₹3,539 ( ₹2999 + GST )
Joining fee is ₹2,999 plus GST, offset by ₹3,000 e-Gift voucher. Annual fee is ₹2,999 plus GST from...
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Joining fee is ₹2,999 plus GST, offset by ₹3,000 e-Gift voucher. Annual fee is ₹2,999 plus GST from...
Joining fee is ₹2,999 plus GST, offset by ₹3,000 e-Gift voucher. Annual fee is ₹2,999 plus GST from year two, waivable on ₹3,00,000 annual spend.
GST at 18% applies, so the total first-year cost is ₹3,539. The annual fee from year two, if not waived, is also ₹3,539.
View FAQ
Commonly Asked Questions
Q. What is the joining fee?
A. ₹2,999 plus 18% GST, totalling ₹3,539.
Q. How can the annual fee be waived?
A. On annual spends of ₹3,00,000 or more (₹25,000 monthly).
Q. Is the joining fee offset?
A. Yes, the ₹3,000 e-Gift voucher offsets the joining fee.
Q. Is GST applicable?
A. Yes, 18% GST applies.
Eligibility
Age
Criteria*
21-70 years
Salary
Criteria*
9LPA
Credit
Rating*
700+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
Applicants must be between 21 and 70 years of age for salaried, and 25 to 70 for self-employed. The...
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Applicants must be between 21 and 70 years of age for salaried, and 25 to 70 for self-employed. The...
Applicants must be between 21 and 70 years of age for salaried, and 25 to 70 for self-employed. The minimum annual income is ₹9 LPA for both salaried and self-employed (₹75,000 monthly).
A CIBIL score of 750 or above is required.
You must be a resident Indian citizen with valid PAN, Aadhaar, and address proof.
View FAQ
Commonly Asked Questions
Q. What is the minimum income?
A. ₹9 LPA for both salaried and self-employed.
Q. What CIBIL score is needed?
A. 750 or above.
Q. Can senior citizens apply?
A. Yes, the age limit of 70 makes this accessible.
Q. What is the age requirement for self-employed?
A. 25 to 70 years for self-employed applicants.
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
The SBI Prime combines accelerated lifestyle rewards, ITC hotel benefits, and milestone bonuses at ...
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The SBI Prime combines accelerated lifestyle rewards, ITC hotel benefits, and milestone bonuses at ...
The SBI Prime combines accelerated lifestyle rewards, ITC hotel benefits, and milestone bonuses at a moderate fee point.
The reward structure delivers 10 reward points per ₹100 on dining, departmental stores, grocery, and movie spends. At ₹0.25 per point, this works out to 2.5% effective return on these high-frequency lifestyle categories. The 20 RPs per ₹100 on birthday spends (max 2,000 points) is a unique annual perk.
For a user spending ₹20,000 monthly on dining, grocery, and departmental stores (₹2.4 lakh annually), the card delivers ₹6,000 in annual rewards from these accelerated categories alone. Plus the ₹500 birthday bonus (2,000 birthday RPs at ₹0.25) adds value.
Welcome benefit is a ₹3,000 e-Gift voucher from one of the partner brands on activation within 60 days. The voucher fully offsets the joining fee.
Travel benefits include complimentary Priority Pass with $99 enrolment fee covered by SBI Card (worth ~₹8,200 in fee savings), 8 domestic lounge visits per year, and 4 international lounge visits per year with max 2 per quarter.
Hotel benefits include complimentary Club ITC Silver membership, providing benefits at ITC hotels including up to 25% off F&B, member rates, and check-in/checkout flexibility.
Milestone benefits add significant value: ₹1,000 Pizza Hut voucher on quarterly spend of ₹50,000 (up to ₹4,000 in quarterly milestone vouchers annually), plus ₹7,000 worth of Yatra/Pantaloons vouchers on annual spend of ₹5 lakh.
The forex markup is 3.5% on international transactions. Fuel surcharge waiver is 1% on transactions between ₹500 and ₹4,000, max ₹250 per statement.
The card includes Visa Signature concierge service, purchase protection, and travel insurance benefits.
View FAQ
Commonly Asked Questions
Q. What is the dining reward rate?
A. 10 reward points per ₹100 (2.5% effective) on dining, departmental stores, grocery, and movie spends.
Q. What are the milestone benefits?
A. ₹1,000 Pizza Hut voucher on quarterly spend of ₹50,000, plus ₹7,000 worth of Yatra/Pantaloons vouchers on annual spend of ₹5 lakh.
Q. What is Club ITC Silver membership?
A. ITC Hotel's silver loyalty tier offering up to 25% off F&B, member rates, and check-in flexibility.
Q. How many lounge visits are included?
A. 8 domestic + 4 international lounges per year (max 2 international per quarter), plus complimentary Priority Pass enrolment.
Q. What is the welcome benefit?
A. ₹3,000 e-Gift voucher from a partner brand on activation within 60 days.
Q. What is the birthday benefit?
A. 20 RPs per ₹100 on birthday spends, max 2,000 points (₹500 value).
Q. Is concierge included?
A. Yes, Visa Signature concierge service.
Milestone Benefits
Voucher Benefit(Worth ~ ₹4,000)
Spend ₹50,000 in 90 days
Voucher Benefit(Worth ~ ₹7,000)
Spend ₹5,00,000 in 365 days
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
Reward redemption is done through the SBI Card website, SBI Card mobile app, or by calling SBI Card...
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Reward redemption is done through the SBI Card website, SBI Card mobile app, or by calling SBI Card...
Reward redemption is done through the SBI Card website, SBI Card mobile app, or by calling SBI Card customer service.
1 reward point = ₹0.25 across the SBI Card rewards catalogue. You can redeem for vouchers, statement credit (at lower conversion rates), products, and travel bookings.
Reward redemption fee is ₹99 plus GST per redemption request. Reward points have an expiry period of typically 2 to 3 years.
View FAQ
Commonly Asked Questions
Q. What is the redemption value?
A. 1 reward point = ₹0.25 across the SBI Card catalogue.
Q. Is there a redemption fee?
A. Yes, ₹99 plus GST per redemption.
Q. Do reward points expire?
A. Yes, typically 2 to 3 years.
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
Excluded categories from reward points typically include rent payments, fuel spends, cash withdrawa...
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Excluded categories from reward points typically include rent payments, fuel spends, cash withdrawa...
Excluded categories from reward points typically include rent payments, fuel spends, cash withdrawals, EMI conversions, wallet loads, government services, and educational institutions.
Refer to the latest MITC for the full exclusion list.
View FAQ
Commonly Asked Questions
Q. Are rent payments excluded?
A. Yes, rent payments are excluded. Rent transactions also carry a 2% rent payment charge.
Q. Do fuel transactions earn rewards?
A. No, fuel spends are excluded. The card offers a 1% fuel surcharge waiver.
Q. Are education spends rewarded?
A. No, educational institution payments are excluded.
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 |
Joining fee ₹2,999 plus GST. Annual fee ₹2,999 plus GST from year two, waivable on ₹3,00,000 annual...
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Joining fee ₹2,999 plus GST. Annual fee ₹2,999 plus GST from year two, waivable on ₹3,00,000 annual...
Joining fee ₹2,999 plus GST. Annual fee ₹2,999 plus GST from year two, waivable on ₹3,00,000 annual spend.
Forex markup is 3.5% on international transactions.
APR on revolving balances is 3.5% per month, equivalent to 42% per annum.
Cash advance fee is 3.5% of withdrawn amount, minimum ₹500. Reward redemption fee is ₹99 plus GST per redemption.
Railway surcharge is 1% of transaction amount. Rent payment processing charge is 2% of transaction (notable, higher than typical 1%).
ATM cash withdrawal fee is 3.5% of withdrawn amount (above typical 2.5%). Cheque payment charge is ₹25 per cheque.
Late payment charges follow a 5-slab structure based on outstanding balance. Always verify exact slabs in current MITC.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹2,999 + GST |
| Annual Fee | ₹2,999 + GST (waived ₹3L) |
| Forex Markup | 3.5% |
| APR | 3.5% per month (42% p.a.) |
| Cash Advance Fee | 3.5% (min ₹500) |
| ATM Withdrawal Fee | 3.5% |
| Reward Redemption Fee | ₹99 + GST per redemption |
| Railway Surcharge | 1% of transaction |
| Rent Payment Charge | 2% of transaction |
| Cheque Payment Charge | ₹25 per cheque |
| Late Payment Charges | 5-slab structure (verify in MITC) |
View FAQ
Commonly Asked Questions
Q. What is the interest rate?
A. 3.5% per month or 42% per annum.
Q. What is the forex markup?
A. 3.5% on international transactions.
Q. Why is the rent payment charge 2%?
A. SBI Card charges 2% on rent transactions, higher than the typical 1%. This is a card-specific policy.
Q. What is the ATM withdrawal fee?
A. 3.5% of withdrawn amount, higher than the typical 2.5% on most cards.
Q. Is there a redemption fee?
A. Yes, ₹99 plus GST per redemption.
Q. What is the cheque payment charge?
A. ₹25 per cheque.
Documents Required
Identity proof: PAN plus Aadhaar, Voter ID, passport, or driving licence. Address proof: Aadhaar, utility bills, rental agreement, passport, or driving licence.
Income proof for salaried: last 3 months' salary slips and 6 months' bank statement. Self-employed: last 2 years' ITR, business bank statement, and proof of business existence.
View FAQ
Commonly Asked Questions
Q. Is PAN mandatory?
A. Yes.
Q. What income proof is needed for salaried?
A. Last 3 months' salary slips and 6 months' bank statement.
Q. What income proof is needed for self-employed?
A. Last 2 years' ITR, business bank statement, and proof of business existence.
Who Should Get This Card?
The SBI Prime is built for middle-income families and lifestyle users who spend heavily on dining, grocery, departmental stores, and movies. The typical user is in the ₹10-20 LPA income bracket and spends ₹15,000-₹25,000 monthly across these categories.
For a family spending ₹20,000 monthly on dining/grocery/departmental stores (₹2.4 lakh annually), the card delivers ₹6,000 in concentrated category rewards. Add ₹4,000 in quarterly milestone Pizza Hut vouchers (if hitting ₹50K quarterly), ₹7,000 in Yatra vouchers (at ₹5L annual spend), and lounge access value, the total annual value reaches ₹17,000-₹20,000. Against ₹3,539 fee, this is excellent ROI.
The Club ITC Silver membership adds value for users who stay at ITC hotels. The 25% F&B discount and member rates can save significantly for ITC patrons.
This card is not the right pick if your spending is concentrated in non-rewarded categories (utilities, rent, fuel, education). For these users, consider the SBI Cashback or HDFC RuPay. For frequent international travel, the SBI Elite delivers stronger forex and lounge benefits.
Credit Limit and What to Expect
The credit limit depends on income, CIBIL score, and existing obligations. For ₹9 to ₹20 LPA income profiles, typical starting limits range from ₹1,50,000 to ₹4,00,000.
SBI Card offers enhancements after 6 to 12 months of regular usage. Cash advance limit is usually 20% to 40% of total limit.
View FAQ
Commonly Asked Questions
Q. What credit limit can I expect?
A. ₹1,50,000 to ₹4,00,000 for ₹9 to ₹20 LPA income.
Q. When can I request an increase?
A. After 6 to 12 months of regular usage.
Q. What is the cash advance limit?
A. 20% to 40% of total credit limit.
How to Apply?
Apply through the SBI Card website, partner platforms like BankKaro, or by visiting any SBI Card branch.
Online application via sbicard.com is the most common route. Fill in PAN, Aadhaar, employment type, and monthly income. Upload digital copies of identity, address, and income proof.
SBI Card runs bureau and internal verification. Initial decision in 2 to 5 working days. Physical card dispatched within 7 to 14 working days.
View FAQ
Commonly Asked Questions
Q. Can I apply online?
A. Yes, through SBI Card, partner platforms, or any SBI Card branch.
Q. How long does it take?
A. Initial approval in 2 to 5 working days; card dispatched within 7 to 14 working days.
Q. Is video KYC required?
A. Yes, for online applications.
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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