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SBI Card Prime

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SBI Card Prime

SBI Credit Card Prime brings you a plethora of exciting benefits and exclusive gifts keeping in mind your rewarding lifestyle. Be it dining, groceries, shopping or travel, get the benefits of astounding rewards with every swipe......

SBI Credit Card Prime

Highlight

  • E-Gift Voucher worth Rs. 7,000
  • Waiver of Renewal Fee on annual spends
  • 1,000 Welcome Points on registration
  • 20 Reward Points per Rs. 100 spent

Best Suited For

  • Dining.
  • Fuel
  • Lounge AC
  • Golf Benefits

Features of SBI Prime Credit Card

  • Contactless Advantage
    • Make your payment faster, easier and more convenient by simply waving your card at a secure reader to complete your transaction.
    • Reduce the risk of card loss and fraud due to skimming as the card never leaves your hand.
  • Fraud Liability Cover
    • Complimentary credit card fraud liability cover of Rs 1 lakh.
    • Complimentary Air Accident Cover of Rs 50 lakhs.
  • Emergency Card Replacement
    • Get your SBI Prime Credit Card replaced anywhere in the world.
    • Get 24*7 helpline for emergency card replacement even in abroad.
  • Add-on Cards
    • Embolden up to 2 of your family-members with add-on cards (minimum age for add-on: 18 years)
  • Easy Bill Pay Facility
    • Pay your utility bills on time using your SBI Prime Credit Card.
  • Flexipay
    • Convert your transactions of Rs 2500 and above into easy monthly installments.
  • Balance Transfer on EMI
    • Now save money while paying your credit card dues.
    • Transfer your outstanding balance of other credit cards to your SBI Prime Credit Card and avail lower rate of interest and pay back in EMI.
  • Easy Money
    • Get a draft or a cheque against your cash limit and get it delivered to your doorstep.

Benefits of SBI Prime Credit Card

  • Mastercard & Visa Privileges
    • 4 rounds of complimentary green fees access.
    • Up to 50% off on Golf games.
    • Savings of up to 35% on car rentals.
    • 24*7 concierge service across the world.
    • Get 15% off on luxury Airport Transfer Service.
    • Exclusive benefits across 900 luxury hotels worldwide.
  • Prime Rewards
    • 20 reward points per Rs 100 spent on standing instructions of Utility Bills payments.
    • 15 reward points per Rs 100 spent on Big Basket.
    • 10 reward points per Rs 100 spent on dining, groceries, departmental stores and movies.
  • Trident Privilege Membership
    • Complimentary Trident Privilege Red Tier Membership.
    • Excusive 1000 welcome points on registration.
    • 1500 bonus points on first stay along with additional 1000 hotel credit on extended night stay.
  • Lounge Program
    • 4 complimentary International Airport Lounge visits per year.
    • 2 complimentary Domestic Lounge visits every quarter in India.
    • Complimentary membership to the Priority Pass Program.
    • Access to over 1000 Airport Lounges worldwide.
  • Club Vistara Membership
    • Complimentary Club Vistara Silver membership.
    • 1 complimentary Lounge Access voucher and 1 Upgrade voucher.
    • Additional 5kg baggage allowance.
  • Prime Security
    • Emergency Card Replacement in just 3 days.
    • Air Accident Liability Cover of Rs 50 lakhs.
    • Fraud Liability Cover of Rs 1 lakh.

Eligibility Criteria for SBI Prime Credit Card

  • Age of salaried applicant must be between 21 – 70 years.
  • Age of self-employed applicant must be between 25 – 70 years.
  • The applicant must be an Indian citizen.
  • Applicant must have a good credit score.
  • The add-on cardholder must be above 15 years of age.
  • Applicant should be able to produce all the necessary documents.

Documents Required for SBI Prime Credit Card

Documents Required for Identity Proof
  • Aadhar Card
  • Passport
  • Voter ID
  • Driving License
  • PAN Card
  • NREGA Card
  • Ration Card
Documents Required for Address Proof
  • Aadhar Card
  • Ration Card
  • Passport
  • Voter ID
  • Driving License
  • Electricity/Water or other utility bill not more than 2 months old
Documents Required for Income Proof
  • Salary Slip
  • Bank Statement
  • Form 16
  • ITR
  • Bank Statements for the last 3 months
  • Proof of business continuity for self-employed applicants
Other Documents Required
  • Recent passport sized photograph

How to apply for SBI Prime Credit Card

  • Click here to start the application process.
  • Fill the basic requirements like your Name, Occupation, Monthly Income etc. to check your eligibility.
  • If eligible, you will be redirected to the online application page.
  • Fill the online application form and submit the form.
  • Upload and submit the required documents.
  • Once you apply for the card, the bank will review your credit card application and will then approve it. You will receive the credit card within a few working days after the approval.

Additionally, you can log on to the SBI official website and apply for a card online at www.sbicard.com

Fees & Charges of SBI Prime Credit Card

Fees/Charges Amount
Annual Fee Rs 2999 + taxes
Add-on Fee Nil
Finance charges for extended credit Up to Rs 25 or 3.35% per month (40.2% per annum), whichever is higher from the date of transaction
Minimum amount due for extended credit 5% of Total Outstanding [ Min Rs 200 + all applicable taxes + EMI (in case of EMI based product) + OVL amount (if any)
Cash advance limit Up to 80% of the credit limit, with a maximum of Rs 15,000 per day
Cash advance fee 2.5% of transaction amount, subject to a minimum of Rs 500
Statement retrieval Rs 100 per statement that is more than 2 months old
Payment Dishonor fee 2% of the payment amount, subject to a minimum of Rs 450
Cheque pick-up fee Rs 100
Overlimit 2.5% of over limit amount subject to a minimum of Rs 500
Card replacement Rs 100
Emergency card replacement when abroad Actual cost (subject to a minimum of $175)
Foreign currency transaction Conversion markup of 3.5%
Rewards redemption fee Rs 99
Cash payment fee Rs 199
Railway tickets through counters Rs 30 + 2.5% of transaction amount

SBI Prime Credit Card Late payment

Amount (in Rupees) Late payment fees (in Rupees)
0 – 200 Nil
201 – 500 100
501 – 1000 400
1001 – 10,000 600
10,001 – 25,000 800
> 25,000 950

Reward Point Benefits on your SBI Prime Credit Card

Now earn various reward points and bonus reward points at a faster pace with every transaction with your SBI Prime Credit Card. The more reward points you gain, the greater your chances become to redeem the reward points for your spends. This will save you a lot of money which otherwise would have gone from your pocket and made a hole in it.

These reward points can be redeemed to make several online purchases on www.sbicard.com Customers can also redeem reward points against their SBI credit card outstanding balance.

You can avail the following reward points on your SBI Prime Credit Card:

  • 20 reward points per Rs 100 spent on standing instructions of Utility Bills Payment.
  • 15 reward points per Rs 100 spent on Big Basket.
  • 10 reward points per Rs 100 spent on dining, groceries, movies and departmental store shopping.
  • 2 reward points per Rs 100 on all other retail spends.
  • 4 reward points = Re 1.
  • Redeem reward points against your SBI credit card outstanding balance or to redeem gifts from SBI Credit Card Rewards Catalogue.

You can only redeem reward points in multiples of 2000 points per request. The gift from the reward points will be delivered to the customer’s given address, i.e., only to the primary card holder’s address. Gifts (i.e., merchandise) will be delivered within 15 working days and gift vouchers will be sent in 10 working days. Once the request to redeem the reward points has been made, it cannot be cancelled or changed.

Gift vouchers will be valid for a period of three months. SBI charges a fee of Rs 99 along with service tax to the SBI card account after a request to redeem the reward points has been made by the customer

SBI Credit Card Rewards Store/Catalogue

Category Brands
Accessories Samsung/ Michael Kors/ Fossil/ Bvlgari/ Rayban/ Lavie/ Bata/ Tommy Hilfiger/ Parker/ Hidesign/ Nike/ Park Avenue/ Swiss Military/ Esprit/ Ferragamo/ Fastrack/ Voylla etc.
Apparel & Superstore Shoppers Stop/ Celio/ Hush Puppies/ Pantaloons/ More/ Aurelia/ Myntra/ Central/ Raymond/ Levis/ Louis Philippe/ Allen Solly/ Inglot/ Van heusen/ Vero Moda/ Arrow/ United Colors of Benetton/ Woodland etc.
Books & Periodicals Annual subscriptions of India Today/ Vogue/ GQ/ Good Homes/ Femina/ Filmfare/ Hello/ Grazia/ Business Today/ Harper’s Bazaar/ Cosmopolitan India/ Architectural Digest/ Reader’s Digest etc.
Electronics Apple/ Samsung/ Sennheiser/ Skullcandy/ Philips/ HP/ Amazon/ Google/ Bose/ JBL/ Fitbit/ BoAt/ Fossil/ MI/ Fastrack/ Motorola/ AT&T etc.
Elite Book of Rewards Shoppers Stop/ US Polo Assn./ Arrow/ Pantaloons/ Amazon/ Google/ PC Jeweller/ Kalyan Jewellers/ Tanishq/ Joyalukkas
End of Season Sale Victorinox/ HP/ MI/ Havells/ Swiss/ Motorola/ Wenger/ Fossil/ Skullcandy/ Google/ Bajaj/ Vaya/ Morphy Richards/ Park Avenue/JBL/ Nike/ Tupperware etc.
Entertainment & Dining BookMyShow/ SMAAASH/ Oh Calcutta/ Sweet Bengal/ The Beer Café/ Sigree/ TGIF/ Mainland China/ PVR/ KFC/ Chaayos/ Costa Coffee/ Pizza Hut/ Baskin Robins
E-voucher MakeMyTrip/ Flipkart/ Croma/ Yatra/ Urban Ladder/ Amazon/ Apollo Pharmacy/ The Body Shop/ Archies/ Shoppers Stop/ Allen Solly/ Cult.fit/ Pantaloons/ Fab Hotels etc.
Festive Catalogue Diesel
Health & Fitness Apple/ Fitbit/ MI/ Philips/ Goomo/ Cult.fit/ Fastrack/Nivia/ Dr. Morepan/ Victorinox/ Portronics/ Omron/ FitPass/ Nike/ Apollo Pharmacy/ Swiss Military etc.
Homeware Kent/ Morphy Richards/ Havells/ Hindware/ Urban Ladder/ Victorinox/ Bajaj/ DKNY/ Orient/ Vaya/ Wonderchef/ Prestige/ Borosil/ Milton/ Black + Decker/ Tupperware etc.
Kids Zone Vaya/ Wildcraft/ Lego/ Disney/ Zephyr/ American Tourister/ Gini & Jony/ Borosil etc.
Lifestyle Sennheiser/ Bose/ Diesel/ Hermes/ Fossil/ Citizen/ Skagen/ DKNY/ Bvlgari/ Guess/ Esprit/ Lavie/ Bata/ Timex/ Park Avenue/ VLCC etc.
Luxury PC Jeweller/ Kalyan Jewellers/ Helios/ Tanishq/ Joyalukkas
Memberships Accor Plus/ Cult.fit/ FITPASS
Preferred partner Card Protection Plan/ FBB/ Central
Travel & Holiday MakeMyTrip/ Swiss Gear/ Wildcraft/ Yatra/ Accor Plus/ Victorinox/ American Tourister/ Adidas/ Swiss Military/ Fab Hotels/ Cabeau etc.

How to check your SBI Prime Credit Card reward points?

To check your reward points gained from your SBI Prime Credit Card:

  • Choose SBI Prime Credit Card on the official SBI website.
  • Click on “Terms and Conditions”.
  • Click on the “Shop and Smile” reward program.
  • The points that you have earned will be mentioned under the “Points Earned Accumulated/Redeemed” section in your account.

How to redeem SBI Prime Credit Card reward points?

Redeem reward points through Website

  • Login to www.sbicard.com.
  • Click on “Rewards” and then click on “Redeem Rewards”.
  • Browse through the various SBI credit card rewards available and choose a suitable reward of your choice.
  • Click on “Redeem now” and confirm.
  • You can use the “Points+Pay” feature which gives you the freedom to redeem your reward points through the usual redemption of Reward Points and partly through the balance on your SBI Prime Credit Card.

Redeem reward points through Mobile App

  • Login to SBI Card Mobile App.
  • Click on “Rewards” at the left-hand side and click on “Redeem Rewards”.
  • Browse through the various SBI credit card rewards available and choose a suitable reward of your choice.
  • Click on “Redeem” and confirm.
  • You can use the “Points+Pay” feature which gives you the freedom to redeem your reward points through the usual redemption of Reward Points and partly through the balance on your SBI Prime Credit Card.

Customer care for SBI Credit Card

You can clear all your doubts and queries through SBI customer service. You can get access to the SBI customer service executives through the SBI helpline number, SMS service, address or email id. Resolve all your credit card queries and complaints regarding gift vouchers, reward points, credit score, annual spends, add on cards, required documents, annual fee, credit card application and many more in the best possible way through the SBI credit card helplines.

SBI Credit Card Toll Free Number:

  • 1860 180 1290
  • 1800 180 1290
  • 39020202 (STD code)
  • For Balance Enquiry – 8422845512
  • For Reward Points Summary – 8422845514
  • For Available Credit Limit and Cash Limit – 8422845513
  • For Last Payment Status – 8422845515

SBI Credit Card “Simply SMS” Service

Send different messages to get answers for your queries using SBI’s Simply SMS Service at the number 5676791

  • To block your lost or stolen SBI credit card, message BLOCK XXXX to the given number
  • To know about available credit and card limit, message AVAIL XXXX
  • To know the last payment status for your SBI credit card, message PAYMENT XXXX
  • To know reward points summary for your SBI credit card, message REWARD XXXX
  • To know about your SBI credit card balance, message BAL XXXX
  • To request a duplicate statement for your SBI credit card, message DSTMT XXXX MM (statement month)
  • To subscribe for SBI credit card e-statement, message ESTMT XXXX

SBI Credit Card Postal Address

Correspondence: SBI Card, P.O. Bag 28, GPO, New Delhi – 110001

Head office: SBI Card, Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002, Haryana, India

SBI Credit Card Email

Click on https://www.sbicard.com/en/contact-us/personal.page#title to email to SBI.

SBI Prime Credit Card Online Application Status

Get the real-time status of your SBI credit card by simply visiting the official SBI website. You just need to put your credit card application number and follow a few simple steps and you are done with the credit card application status. Now, the credit card application status can be anything from approval, pending for approval or even rejected. Do ask the reasons for your credit card application rejection if it has happened.

You can either call the branch officials or the customer care executives to know the reasons or you can write an e-mail to the customer care executives. If you can remove the discrepancy in your credit card application, do so and apply again to get an approval.

SBI Prime Credit Card Credit Limit

The credit limit depends on the income, credit score, job or business stability along with other factors. So, to get a higher credit score limit, it’s important to have a decent income and have a good credit score well past 750. It is also important to have a stability in either your job or business.

Existing cardholders can get good credit limit by asking SBI to raise the credit limit. After receiving the request of limit enhancement, SBI will check the repayment pattern, employment and business details before coming to a decision of whether it will raise the credit limit or not.

A good credit limit or a higher credit limit does not mean that you should spend an excessive amount which will be more than your ability to pay back on time. Over-spending and failure to make a payment by the due date can create a default-like situation in which the creditors might raise interest rates to the default (or penalty rate) or decrease the line of credit. In case of serious defaulting on a credit card, the bank can even take legal action to enforce payment.

This is not a situation anybody would want to be in as default is a serious credit card issue that affects not only your standing with the credit card issuer but also your credit standing in general and your ability to get approved for other credit-based services. The reasons are obvious, the credit score would come down, which could make it tricky to gain an easy approval to the credits you may apply in the future.

In addition, you would struggle to meet other financial liabilities that you may have to carry out on a monthly basis.

At the same time, don’t be too less on the utilization as that would make it hard to build a credit history for you and would interfere with your good credit score. So, you need to strike a balance between the annual spends to ensure a proper credit utilization ratio, translating into a good credit history and a non-default situation.

SBI Prime Credit Card Online Bill Payment

Do away with the bill payment delays by adding your SBI Prime Credit Card to the list of billers via net banking and pay your bills on time and avoid default.If you are using the Internet Banking of SBI or some other bank, mention your credit card number correctly. You will receive an SMS indicating the total due and due date. You can login and pay from the comfort of your home or office either on or before the due date.

Frequently Asked Questions (FAQs)

  • What is SBI Prime Credit Card?

    SBI Prime Credit Card is a credit card from the State Bank of India with excellent reward benefits. This card gives you joining benefits along with reward points for transactions done for various categories like travel, dining, fuel and lifestyle.

  • How to get SBI Prime Credit Card welcome gift voucher?

    You need to pay the annual fee of SBI Prime Credit Card to avail the welcome gift voucher. You will receive an SMS to choose from welcome gift voucher options within 15 days of annual fees payment. The welcome gift voucher you choose will be sent to your registered mobile number/e-mail ID, within 5 days of the request.

  • Is SBI Prime Credit Card accepted globally?

    Yes, SBI Prime Credit Card is accepted globally at over 24 million Visa outlets.

  • What is the credit limit of SBI Prime Credit Card?

    SBI Prime Credit Card has a minimum credit limit of Rs 40,000 and a maximum credit limit of Rs 10 lakhs.

  • What are the benefits of SBI Prime Credit Card?

    SBI Prime Credit Card provides a plethora of benefits for its customers like Welcome Gift, Excellent Reward Benefits, Birthday Benefits, Milestone Benefits, Mastercard and Visa Benefits, Exclusive Concierge Service, International and Domestic Lounge Access Program, Club Vistara Membership, Trident Privilege Membership and Fuel Surcharge Waiver and more.

  • How to cancel SBI Prime Credit Card?

    To cancel you SBI Prime Credit Card, you need to first pay off all the outstanding as SBI will not cancel a card that has not been paid in full. Then, you can either call SBI or write to them to cancel your card. You can call SBI at 1860-180-1290 or write to them by sending a letter to SBI Card, PO – Bag 28, GPO, New Delhi – 110001.You are also required to cancel your card after placing your card cancellation request.

  • How to activate SBI Prime Credit Card?

    To activate your SBI Prime Credit Card, you can login to your SBI credit card account at sbicard.com or write at sbicard.com/Email. You can also call on the SBI helpline numbers 1860 180 1290, 180 180 1290 or 39020202 (STD code) to activate your SBI Prime Credit Card. Also, you can Click here to watch the demo. Alternatively, you can also login to Chatbot ILA using your online account user ID and password and get your SBI Prime Credit Card activated.

  • Can I take loan on SBI Prime Credit Card?

    Yes, you can take loan on SBI Prime Credit Card through Easy Money facility provided by SBI. You can apply for Easy Money for a minimum amount of Rs.5,000 or a maximum of up to 75% of your available cash limit. The rate of interest is 2.45% p.m. for 45 days. The Easy Money facility can be availed through the SBI website, mobile app or SBI helpline number 1860 180 1290.

  • What is Club Vistara membership on SBI Prime?

    Club Vistara Membership is a value-based frequent flyer program on SBI Prime Credit Card wherein your points are calculated on the value of your base fare. The reward points you get are stored as CV (Club Vistara) points. CV Points are valid for 36 months from the date of flight and can be redeemed towards flights and upgrades on the Vistara network and flights with Partner Airlines.

  • Is SBI Prime Credit Card good?

    Yes. SBI Prime Credit Card is one of the best premium credit cards in the market for numerous reasons like excellent reward points, Club Vistara membership, e-gift voucher worth Rs 3000, milestone benefits, lounge access, golf benefits and fee waiver to name a few.

  • How safe is it to use SBI Prime Credit Card?

    It is very safe to use SBI Prime Credit Card as all SBI cards promise a very easy and safe transaction.

  • Which is the best SBI credit card for reward points?

    SBI Prime Credit Card is one of the best credit cards which provides an excellent reward system. Customers get 20 points per Rs 100 spent on utility bills, 15 points per Rs 100 spent on Big Basket, 10 points per Rs 100 on departmental stores, movies and dining and 20 reward points per Rs 100 spent on their birthday.

  • How much is the interest rate on outstanding balance for SBI Prime Credit Card?

    The interest rate on outstanding balance for SBI Prime Credit Card is 3.35% per month or 40.2% per annum.

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