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SBI Card PRIME

SBI Card PRIME offers 10X reward points, international lounge access through Priority Pass, milestone benefits worth ₹1,000, and other useful features for everyday spending.

Joining Fee ₹2,999

Offers Welcome Gift Vouchers worth ₹3,000

Trusted by 7.9 Mn+ Customers

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4.4 (226K reviews)

Last updated on: Aug 12, 2026

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Overview

The SBI Card PRIME is a premium lifestyle credit card from SBI Cards, designed for frequent travellers, diners, and shoppers seeking enhanced rewards and exclusive perks. Understanding the key features, rewards, travel privileges, milestone benefits, and applicable charges, will help you know whether the card aligns with your spending habits.

Key Highlights of the SBI Card PRIME

Here is quick snapshot to help you decide if the card works for you:

Particular	Details
Joining Fee	₹2,999 + GST
Annual Fee	₹2,999 + GST
Suitable for	Rewards and milestone benefits
Key Feature	Earn 2,000 reward points as a birthday benefit each year
Joining Bonus	e-gift voucher worth ₹3,000

Disclaimer: The above-mentioned details are subject to change at the discretion of the issuer.

SBI Card PRIME: Benefits

The table below highlights the key SBI Card PRIME benefits across rewards, travel, lifestyle, dining, and spending categories.

Benefit Category	Key Benefits	Value / Offer
Welcome Gift	Welcome e-gift voucher from partner brands	E-gift voucher worth ₹3,000 from brands such as Shoppers Stop, Bata, Pantaloons, or Yatra
Birthday Bonus	Annual birthday rewards and accelerated earning	2,000 reward points annually along with 20 reward points per ₹100 spent on the day before, on, and after your birthday
Fuel Surcharge Waiver	Savings on fuel transactions	1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per month
Milestone Privileges	Quarterly and annual spend-based rewards	₹1,000 Pizza Hut e-voucher on quarterly spends of ₹50,000 and ₹7,000 Yatra/Pantaloons e-gift voucher on annual spends of ₹5 Lakhs
Complimentary Lounge Access	Domestic and international airport lounge access	8 complimentary domestic lounge visits annually and 4 complimentary international Priority Pass lounge visits annually
Travel Benefits	Airline, hotel, car rental, and travel privileges	Complimentary Club Vistara membership with travel benefits, savings of up to 10% on Hertz rentals, up to 35% on Avis rentals, hotel privileges, Tablet Plus Membership benefits, worldwide ATM access, and emergency assistance services
Dining Benefits	Restaurant offers and discounts	Up to 25% savings at select restaurants through participating dining programmes
Lifestyle Benefits	Entertainment, golf, and family card benefits	Golf privileges including up to 50% off on games, 4 complimentary green-fee rounds, 1 complimentary lesson per month, and add-on cards for up to two family members above 18 years of age
Global Acceptance	Worldwide merchant and ATM access	Accepted at over 24 million outlets globally and 3,25,000 outlets across India, with access to over 1 million ATMs worldwide
Insurance & Protection	Emergency support and card replacement services	Global card replacement support and 24x7 emergency assistance while travelling abroad
Shopping on EMIs	Flexible repayment options for purchases and balances	Convert transactions above ₹2,500 into EMIs with Flexipay and transfer outstanding balances from other credit cards into EMI plans
Reward Points & Redemption	Accelerated rewards across spending categories	Earn 10 reward points per ₹100 spent on groceries, dining, movies, and departmental stores, 2 reward points per ₹100 on other eligible retail spends, with redemption available against outstanding card bills

SBI Card PRIME - Fees and Charges

Here are all the fees and charges you can expect to pay while using the card:

Fee Type	Details
Joining Fee	₹2,999
Annual Fee	₹2,999
Reward Redemption Fee	₹99
Cash Advance Fee	2.50% of the withdrawn amount or ₹500, whichever is higher
Interest Charges	3.75% per month (45% per annum)
Minimum Amount Due	5% as per this calculation: Total GST + EMI amount + 100% of Fees/Charges + 5% of [Finance charge (if any) + Retail Spends and Cash Advance (if any)] + Overlimit Amount (if any)
Late Payment Fee	Can go up to ₹1,300 based on the overdue balance
Foreign Transaction Fee	3.50% of the transaction amount

Note: A GST of 18% is applicable on all the above charges.

Disclaimer: These fees and charges are also subject to change at the discretion of the issuer. Before applying, check the issuer’s Most Important Terms and Conditions (MITC) document to verify.

SBI Card PRIME - Eligibility Criteria

Check the SBI Card PRIME eligibility terms and confirm that you meet them before applying. To qualify, you need to be:

21 to 70 years
Salaried or self-employed with a regular income source

Creditworthy with a good credit score

Documents Required for SBI Card PRIME

Here is the general list of documents you may need to keep ready for verification.

Category	Documents
Identity Proof (Any of these)	PAN card Aadhaar card Passport Recent colour photographs
Address Proof (Any of these)	Ration card Utility bills such as electricity, water, or phone bills
Income Proof (Any of these)	Self‑employed: Income Tax Returns (ITR), bank statements showing income Salaried: Latest salary slips (2–3 months), Form 16

How to Apply for SBI Card PRIME Online

Follow these steps to begin your SBI Card PRIME application on Bajaj Markets:

Click on ‘Check Card Offer’ and fill in the required details, including your phone number, date of birth, and occupation
Enter the One-Time Password (OTP) sent to your mobile
Review pre-filled details like your PAN card number, email address, residential PIN code, and income data
Apply for the card that suits your needs from the available options
Click ‘Submit’ to complete your application

Documents Required for SBI Card PRIME

Here is the general list of documents you may need to keep ready for verification.

Category	Documents
Identity Proof (Any of these)	PAN card Aadhaar card Passport Recent colour photographs
Address Proof (Any of these)	Ration card Utility bills such as electricity, water, or phone bills
Income Proof (Any of these)	Self‑employed: Income Tax Returns (ITR), bank statements showing income Salaried: Latest salary slips (2–3 months), Form 16

How to Apply for SBI Card PRIME Online

Follow these steps to begin your SBI Card PRIME application on Bajaj Markets:

Click on ‘Check Card Offer’ and fill in the required details, including your phone number, date of birth, and occupation
Enter the One-Time Password (OTP) sent to your mobile
Review pre-filled details like your PAN card number, email address, residential PIN code, and income data
Apply for the card that suits your needs from the available options
Click ‘Submit’ to complete your application

How to Maximise Rewards on SBI Card Prime

From personal care and grooming to health and electronics, you can redeem points for various products. SBI Card’s rewards portal makes checking and redeeming points easy. To see your accumulated points, you can refer to your latest credit card statement or log in via internet banking.

You can also use the chatbot ILA, give a missed call at 8422845514, or SMS ‘REWARD’ with the last four digits of your card number to 5676791. Once you know how many points you have, you can pick a reward. Here is how the rewards program works for the SBI Card PRIME:

1. Reward Points

You earn 10 reward points per ₹100 spent on groceries, departmental stores, dining, and movies

Here is an example:

Purchase (Monthly)	Amount	Reward Points
Groceries	₹3,000	300
Movies	₹1,000	100
Dining Out	₹5,000	500

Disclaimer: The above example is for illustration purposes only.

On all other retail purchases, you get 2 reward points per ₹100, with the exception of fuel

Here is an example:

Purchase (Monthly)	Amount	Reward Points	Savings
Kids Clothing	₹1,200	24	-
Fuel Refills	₹10,000	-	₹100

Disclaimer: The above example is for illustration purposes only.

2. Redemption Process

Redeem your reward points by logging in to your credit card account online. This can be to shop for books, electronics, homeware, and much more. You can even book travel packages or choose from varied digital vouchers.

A rewards redemption fee of ₹99 is applicable only on:

Physical products
Statement credit
Vouchers sent physically

3. Expiration

All the reward points you earn will expire 24 months after accrual.

4: Example of Savings

Based on the examples listed, here is a look at what your annual savings will look like:

Category	Details	Conversion	Cash Value
Groceries	Accelerated Category Spends (10) Assuming spends ₹36,000 p.a./₹3,000 p.m.	Reward Points = 3,600 10X(36,000/100)	₹900
Movies	Accelerated Category Spends (10) Assuming spends ₹12,000 p.a./₹1,000 p.m.	Reward Points = 1,200 10X(12,000/100)	₹300
Dining Out	Accelerated Category Spends (10) Assuming spends ₹60,000 p.a./₹5,000 p.m.	Reward Points = 6,000 10X(60,000/100)	₹1,500
Clothes Shopping	Normal Category Spends (2) Assuming spends ₹14,400 p.a./₹1,200 p.m.	Reward Points = 288 2X(14,400/100)	₹72
Fuel Refills	1% Surcharge Waiver Assuming spends ₹120,000 p.a./₹10,000 p.m.	Up to ₹3,000 (capped at ₹250/month)	₹3,000

Total Annual Rewards Points: 11,088

Total Cash Value: ₹2,772 (4 points = ₹1)

Disclaimer: The above example is for illustration purposes only. The actual rewards and savings may vary based on the policies of the issuer and on the timely payment of credit card dues. Please check with the card issuer before applying.

Now, you have two options:

Redeem 11,088 points via the SBI Card rewards portal, where you can choose from various retailers such as Bosch, Fossil, Puma, Wildcraft, and much more.
Convert your reward points into cash by contacting SBI Card. Since 4 reward points = ₹1, the cash value of 11,088 reward points = ₹2,772.

SBI Prime Credit Card EMI Calculator

Your Credit Card EMI

₹ 454

Total Interest Amount

₹ 444

Transaction Amount

₹ 5,000

Total Payable Amount

₹ 5,444

Loan Amount

1000 1000000

Interest Rate

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Tenure

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Frequently Asked Questions

What is the validity of Club Vistara points accumulated on booking flights using my SBI Card PRIME?

Club Vistara points have a validity period of 36 months from the date you earn them.

Who can I contact about queries related to my complimentary Club Vistara membership?

You can reach out to Vistara’s Customer Relations at +91 928 922 8888 or +91 120 669 9901. Alternatively, you can email them at custrelations@airvistara.com.

Are there any processing charges for using the Flexipay facility on my SBI Card PRIME?

Yes, Flexipay carries a one‑time processing fee of 1% of the converted amount, capped at ₹2,000. This facility is available for purchases of ₹2,500 or more.

What are the different tenors available for booking Flexipay on my SBI Card PRIME?

You can book Flexipay for a period of 3, 6, 9, 12, 18 or 24 months. For amounts greater than or equal to ₹30,000, a tenor of 36 months is also available.

Can I withdraw cash using my SBI Card PRIME while travelling abroad?

Yes, you can easily withdraw cash from over 1 million VISA, MasterCard, and American Express ATMs worldwide.

How can I avoid paying the annual fee on my SBI Card PRIME?

Your annual fee is waived if your annual spends reach ₹3 Lakhs in the preceding membership year.

What are the main travel benefits offered by the SBI Card PRIME?

The SBI Card PRIME offers complimentary Club Vistara Silver membership, 4 international Priority Pass lounge visits per year, 8 domestic airport lounge visits per year (max. 2 per quarter), and partner‑based privileges. These include discounts on selected hotel stays and car rentals (for example, up to 10% off on Hertz and similar offers on other partners). These perks make it suitable for frequent domestic travellers who also fly overseas.

What is the fastest way to get the SBI Card PRIME?

To get the SBI Card PRIME, apply online on Bajaj Markets in 5 easy steps. This process is safe and quick.

What is the interest rate charged on the SBI Card PRIME?

The finance charge on the card is 3.75% per month, which is equivalent to 45% per annum.

How to increase my SBI Card PRIME credit card limit?

If you have not received a pre‑approved limit increase option, you can contact the SBI Card helpline at 39 02 02 02 (with STD code) or 1860 180 1290. You may be asked to share updated income documents.

What type of card is SBI Card PRIME?

SBI Card PRIME is a mid‑range lifestyle credit card that offers reward points, lounge access, milestone vouchers, and selected travel and dining privileges. It is designed for users who want structured benefits across regular spending categories.

Is SBI Card PRIME suitable for my needs?

SBI Card PRIME may suit you if you spend regularly on groceries, dining, departmental stores, and travel. It offers higher reward points in these categories and provides lounge access and milestone vouchers that can offset annual costs. Users with consistent monthly spends usually find better value from this card.

Who can apply for the SBI Card PRIME?

Indian residents who meet the bank’s eligibility norms can apply. Applicants typically need to be at least 18 years old with a stable income and valid identity, address, and income documents. Final approval depends on the applicant’s credit profile and the issuer’s internal policies.

How can I maximise reward points on the SBI Card PRIME?

You can earn more points by using the card for categories that offer accelerated rewards, such as groceries, dining, departmental stores, and movies. Making consistent use of the card for routine expenses, meeting quarterly and annual spend milestones, and redeeming points for statement credit can also help you extract more value.

What are the key charges applicable on the SBI Card PRIME?

The SBI Card PRIME carries a joining fee of ₹2,999 and an annual fee of ₹2,999. A reward redemption fee of ₹99 applies each time you redeem points. Cash withdrawals attract a cash advance fee of 2.50% of the withdrawn amount or ₹500, whichever is higher. Finance charges on unpaid balances are 3.75% per month, which is equivalent to 45% per annum.

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