SBI Card PRIME

by SBI • Visa / Mastercard / American Express

Complete Benefits & FAQs

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“Mid-premium SBI card that sits between Landmark SELECT and ELITE. Fee of ₹2,999 effectively free with ₹3K welcome/renewal voucher. Reward rates identical to ELITE — 10 RP/₹100 on dining/grocery/dept/movies = 2.5%. Key differences from ELITE: lower fee (₹2,999 vs ₹4,999), fewer international lounge visits (4 vs 6), lower welcome voucher (₹3K vs ₹5K), no movie tickets benefit, standard forex (3.5% vs ELITE's 1.99%), lower air accident cover (₹50L vs ₹1Cr, both discontinuing). Unique to PRIME: birthday benefit (20X, capped ₹500/year), Pizza Hut ₹1K quarterly milestones, ₹7K Yatra/Pantaloons voucher at ₹5L spend. Fee waiver at ₹3L (vs ELITE's ₹10L) is much more achievable. PRIME Pro variant has worse Priority Pass (chargeable visits) and lower Pizza Hut voucher (₹500). Same ITC Silver membership as ELITE. Good value for users who don't need ELITE's forex rate or movie tickets.”

Fee Waiver: Renewal fee waived on annual spends of ₹3,00,000 (₹3 Lakh)

Best suited for

🎯 Budget-premium seekers — ₹2,999 vs ELITE's ₹4,999 with similar core benefits🎯 Dining/grocery/movie spenders — 10 RP/₹100 (2.5% effective)🎯 Priority Pass users wanting 4 intl visits/year at lower fee than ELITE🎯 Pizza Hut lovers — ₹1K voucher every quarter on ₹50K spend🎯 ITC Hotel loyalists — same Silver membership + 25% off as ELITE🎯 Birthday spenders — 20X RP on birthday window (capped ₹500/year)

Welcome & Onboarding Perks

•Welcome e-Gift Voucher worth ₹3,000

Spend Milestone Rewards

🎯 Spend: ₹50,000 per calendar quarterPizza Hut e-Voucher worth ₹1,000
🎯 Spend: ₹5,00,000 annual spendse-Gift Voucher worth ₹7,000 from Yatra.com or Pantaloons
🎯 Spend: ₹3,00,000 annual spendsRenewal fee waiver

Airport Lounge Privileges

Domestic8 complimentary visits per calendar year (max 2 per quarter)

International4 complimentary visits per calendar year (max 2 per quarter)

Reward Rates

Dining/Grocery/Dept/Movies (10X)

up to 2.5%

Base Spends

up to 0.5%

Surcharges & Waivers

Forex Markup3.50% (standard SBI rate — only ELITE gets 1.99%)

Interest Rate3.75% per month (45% per annum) — refer to MITC

Fuel Surcharge Waiver

Waiver %1%

Cap / cycle₹250 per statement cycle per credit card account

Transaction range₹₹500 – ₹₹4,000

Eligibility Requirements

Salaried

Age21 to 70 years

Note: Criteria are indicative; bank reserves right to approve/decline.

Documents Required

•PAN card photocopy or Form 60
•Proof of income — Latest payslip / Form 16 / IT return
•Residence proof — Passport / Ration Card / Electricity bill / Landline telephone bill

Key Highlights

✓Contactless payments (Visa PayWave)

✓Worldwide acceptance at 24M+ outlets, 3.25L+ in India

✓Up to 2 add-on cards for family (18+)

✓Cash withdrawal from 1M+ ATMs globally

✓Chip & PIN enabled security

✓Easy Bill Pay for utility bills

✓Flexipay — convert ₹2,500+ purchases into EMI within 30 days

✓Balance Transfer on EMI

✓Emergency card replacement worldwide (Visa/MC)

Frequently Asked Questions

Ready to apply for SBI Card PRIME?

Annual fee: ₹2,999 + GST

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