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SBI Prime Credit Card
★★★★★(4.2)The SBI Prime Credit Card is a versatile credit card that offers a wide range of benefits. These include e-vouchers from Aditya Birla Fashion and Pantaloons, free Trident Privilege Red Tier Membership, free Club Vistara Silver membership, lounge access, a reward rate of 0.5% to 5%, and much more. The joining and annual fee for this card is ₹2,999. Keep reading to learn more about this card. 👇
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Features and Benefits
Aspects that make spending using this card lit as the sun!
Fee and Charges
Think of these as small investments to keep your credit card running smoothly.
Charges
Joining Fee
₹2,999Annual Fee
₹2,999Annual Percentage Rate
42%Add-on Card Fee
FreeMinimum Repayment Amount
5%Cash Withdrawal Fee
2.50%Cash Advance Limit
80%Card Replacement Fee
₹100Foreign Transaction Fee
3.50%Over Limit Penalty
2.50%Fuel Transaction Surcharge
1%Reward Point Value
₹0.25Balance from ₹0 to ₹500
₹0Balance from ₹500 to ₹1000
₹400Balance from ₹1000 to ₹10000
₹750Balance from ₹10000 to ₹25000
₹950Balance from ₹25000 to ₹50000
₹1100Balance more than ₹50000
₹1300Pros
Aspects that make this credit card amazing.
- ⮚The card offers Complimentary Memberships to flights and hotels.
- ⮚The card gives a 1% Fuel Surcharge Waiver on all petrol pumps.
- ⮚It comes with free access to International and Domestic airport lounges.
- ⮚It allows users to earn reward points on all purchases.
- ⮚Special benefits to users on birthday.
Cons
Aspects this credit card lacks.
- ⮚Reward points cannot be earned on fuel transactions.
- ⮚For the benefits the card offers, the renewal fee waiver is quite high at ₹ 3 lakh.
- ⮚Air accident insurance has been discontinued w.e.f. 15 July, 2025.
SBI Prime Credit Card Review
This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.
If you are seeking a credit card that provides premium benefits across several categories but doesn't want to pay a high annual fee, the SBI Prime Credit Card is an excellent choice. The benefits offered by this credit card are quite impressive, considering its fee of ₹2,999. This credit card allows you to access complimentary domestic and international lounges, exclusive memberships, e-gift vouchers, milestone bonuses, up to 10X reward points on selected categories, and much more.
This credit card has a joining fee of ₹2,999, which is reasonable given the welcome benefits worth ₹3,000. Overall, if you travel frequently and require airport lounge access or want to take advantage of premium amenities such as car rentals, hotel stays, airport transfer services, etc., this card is an excellent option for you. However, suppose you are looking for a credit card that offers benefits in a particular category. In that case, you can search for the top credit cards available in the market.
Overview
| Best for | Travel & Rewards |
|---|---|
| Joining Fee | ₹2,999 + Applicable Taxes |
| Annual Fee | ₹2,999 + Applicable Taxes |
| Welcome Benefits | 2000 Bonus Points on spends of ₹2000 |
| Card Network | Visa/Mastercard/American Express |
SBI Prime Credit Card Maximum Cashback
| Categories | Reward Points (per ₹100 spent) |
|---|---|
| Vistara Flights | 9 Club Vistara pts. |
| Dining, Movies, Groceries, Departmental Stores | 10 pts. |
| All retail purchases other than fuel | 2 pt. |
Who should get an SBI Prime Credit Card?
SBI Prime Credit Card is an ideal choice for people who frequently travel and want some exclusive travel benefits. The card offers a wide range of travel benefits, including premium membership with access to hotels and airline and airport lounge benefits. This card is best suited for people who spend in these categories.
In addition, this card comes with other lifestyle benefits, such as access to golf courses in India, savings on car rentals and VIP access to selected hotels. In a nutshell, if you want premium perks and are willing to pay a high annual fee, this card is perfect for you.
How to Apply for an SBI Prime Credit Card?
1. Apply for an SBI Prime Credit Card Online
- SBI Prime Credit Card can be applied online and offline as well. To apply offline, simply visit the nearest branch with all the required documents and fill in the physical application form. However, if an online method is preferred, then follow the below-mentioned steps:
- Step 1: Visit the SBI Card Website and click on “Credit Card”.
- Step 2: SBI Prime Credit Card will be listed under the “Reward” category.
- Step 3: Click on “Apply Now” and start the application process.
- Step 4: Fill in all the required details and upload all the necessary documents to complete the process.
SBI Prime Credit Card Eligibility
Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.
Documents Required
- Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
- Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
- Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.