How can I activate my SBI Card PRIME?

To activate your SBI Card PRIME, you can use any of the following options — Option 1: Login to your SBI Card account at www.sbicard.com and activate your card. Option 2: Write to the bank at www.sbicard.com/email. Option 3: Call the bank’s helpline number to activate your card.

What are the options for redeeming the reward points on my SBI PRIME Card?

You can redeem the reward points accumulated on your credit card account in the following ways: Redemption against gift vouchers through sbicard.com or on the SBI card mobile app Redemption against cash by writing to sbicard.com, sending an email to the bank, or by calling the SBI Card helpline number at 1860 180 1290 or 39 02 02 02 (prefix STD code)

SBI Card PRIME

Welcome Voucher Worth ₹3,000 | Fraud Liability Cover | Airport Lounge Access

✓ Fast Processing ✓ Great Discounts & Offers ✓ Easy EMI Facility | Apply for Credit Card from SBI Bank now! Apply Now

The SBI Card PRIME is one of the most premium credit cards available in India. This card is ideal for anyone who’s looking to get more out of their lifestyle expenses. The card is also great for frequent travellers as it offers lounge access at airports, Club Vistara membership and Trident Privilege Membership.

Features and Benefits of the SBI Card PRIME

As one of the credit cards offered by SBI, the SBI Card PRIME extends numerous benefits across various categories. Let’s take a look at some of the SBI Prime Credit Card benefits:

Welcome e-Gift Vouchers

You can avail of e-gift vouchers worth ₹3,000 from travel and lifestyle brands like Bata/Hush Puppies, Yatra.com, Shoppers Stop, and Pantaloons.

PRIME Rewards

You can earn 2 Reward Points on spending ₹100 on all other retail purchases except fuel. You can pay your outstanding credit card bills using these Reward Points.

Milestone Benefits

The SBI Card PRIME benefits include milestone benefits. Upon spending ₹50,000 in a calendar quarter, you will receive a Pizza Hut e-Voucher on your registered phone number within 30 days. With annual spends of ₹5 Lakhs, you will receive an SMS that allows you to choose the e-Gift Voucher option from Yatra/Pantaloons within 10 days. Additionally, your renewal fee will be waived if you spend ₹3 Lakhs or more in the previous year.

Trident Privilege Membership

You can enjoy complimentary Trident Privilege Red Tier Membership with this SBI credit card and get exclusive 1,000 Welcome Points on registration. Additionally, you will receive 1,500 Bonus Points after completing your first stay and an extra ₹1,000 hotel credit on an extended night stay. You can also enjoy 10% instant savings by booking your stay through the hotel website and get 10 points for every ₹100 spent (excluding taxes) at participating hotels.

Airport Lounge Access

With this credit card, you can enjoy 4 complimentary visits to International Priority Pass Lounges annually, with a maximum of 2 visits per quarter. You also get 8 complimentary visits to Domestic Lounges within the country, with a maximum of 2 visits per quarter.

Birthday Benefit

Every ₹100 spent on your birthday will fetch you 20 Reward Points. The Reward Points earned the day before, on your birthday, and the day after are capped at 2,000 per calendar year.

Club Vistara Membership

This SBI credit card offers complimentary Club Vistara Silver membership, and you get 1 Upgrade Voucher. You can also earn 9 Club Vistara Points for every ₹100 you spend on Vistara flights.

Fraud Liability Cover

The SBI Card PRIME extends a complimentary Air Accident Liability Cover of ₹50 Lakhs and a complimentary credit card Fraud Liability Cover of ₹1 Lakh.

Fuel Benefit

You can enjoy a 1% fuel surcharge waiver (up to ₹250) on fuel purchases worth ₹500 - ₹4,000 across all petrol stations in the country.

Flexipay

The SBI Card PRIME allows you to convert transactions above ₹2,500 into easy EMIs within 30 days of making the purchase.

Eligibility Criteria and Documents Required

Before applying for this credit card, you must be aware of the basic eligibility criteria and the documents you must submit during the application process. You should also review the SBI Card PRIME’s features and benefits to make an informed decision.

You must meet the following eligibility criteria and submit the outlined documents to apply for the SBI Card PRIME.

1. Eligibility Criteria for the SBI Card PRIME

Age: You must be at least 21 years old and shouldn’t be older than 70
Employment Status: You must be a salaried employee or self-employed
Income: You must have a stable income source
Credit Score: You must have a healthy credit score (preferably above 750)
Residence: You must be an Indian resident

2. Documents Required for the SBI Card PRIME

If you are eligible to apply for this credit card, you must furnish the following documents while submitting your application.

Identity Proof: PAN, Aadhaar Card, Passport, Voter’s ID, Driving licence, or any other government-approved photo ID proof
Address Proof: Aadhaar Card, Passport, Driving licence, latest utility bill, Voter’s ID, or any other government-approved address proof
Income Proof: Salary slips of the previous 3 months, Form 16, bank statement showing transactions of the previous 3 months
Miscellaneous: A colour photograph of the applicant

How to Apply for the SBI Card PRIME

You can now apply for the SBI Card PRIME from the comfort of your home. By following these steps, you can submit your application and avail yourself of the perks extended by this credit card.

Step 1: Visit the Bajaj Markets website
Step 2: Navigate to the ‘Credit Cards’ page
Step 3: Click the ‘Apply Now’ button and provide your details, including your mobile number and date of birth
Step 4: Input the one-time password (OTP) sent to your mobile number
Step 5: From the list of options, select the SBI Card PRIME
Step 6: Fill out the credit card application form by providing accurate details and submit your application

Your application will be reviewed and verified. If approved, the bank will set the SBI Card PRIME maximum limit depending on factors such as your income and credit score. The card will then be dispatched to the registered address.

Customer Care Number

In case of any queries or complaints, you can always get in touch with the bank’s customer care team in any of the following ways.

Call the SBI credit card customer care representatives on 1860 180 1290 (toll-free) or 39 02 02 02 (prefix local STD code)
Reach out to them via email at customercare@sbicard.com
Send an SMS with your query to 5676791

Fees and Charges

You should review the fees and charges levied by the bank before opting for a credit card. This will help you understand the charges you will incur annually, along with the penalty burden for missing payments. The various fees and charges associated with the SBI Card PRIME are provided below.

Type of Fees	Amount
Joining Fee (one-time)	₹2,999 + Taxes
Renewal Fee (Yearly)	₹2,999 + Taxes (renewal fee is reversible if your annual spends exceed ₹3 Lakhs for the previous year)
Add-on Card Fee	Nil
Cash Advance Fee	2.5% of the withdrawn amount or ₹500, whichever is higher per month (30% p.a. on all transactions) at domestic and international ATMs
Cash Payment Fee	₹250 + Applicable Taxes
Interest-Free Grace Period	You can enjoy an interest-free credit period of 20-50 days. However, this only applies to retail purchases, and the previous month's outstanding amount must be cleared.
Finance/Service Charges	3.5% per month (42% per annum)
Late Payment	Up to ₹500: 0
	From ₹500 up to ₹1,000 - ₹400
	From ₹1,000 up to ₹10,000 - ₹750
	From ₹10,000 up to ₹25,000 - ₹950
	From ₹25,000 up to ₹50,000 - ₹1,100
	More than ₹50,000 - ₹1,300
Overlimit Fee	2.5% of the overlimit amount or ₹600, whichever is higher
Payment Dishonour Fee	2% of the amount or ₹500, whichever is higher
Card Replacement	₹100 - ₹250
Cheque Payment Fee	₹100
Statement Retrieval	₹100 per statement (statements more than 2 months’ old)
Foreign Currency Transaction Fee	3.5% of the total transaction value
Dynamic & Static Currency Conversion Markup Fee	3.50% (only for transactions above ₹1000)
Reward Redemption Fee	₹99
Overdue Finance Charges	3.65% per month (43.8% per annum) if the Minimum Amount Due isn’t paid by the due date twice in a 12-month period
Minimum Amount Due	5% of total outstanding balance (minimum of ₹200) + applicable taxes + EMI (if applicable) + OVL amount (if any)
Cash Advance Limit	Maximum of 80%, capped at ₹12,000
Free Credit Period	Nil
Emergency Card Replacement When Overseas	Actual cost (subject to a minimum of $175 for VISA and $148 for Mastercard)
Railway Ticket Surcharge	₹30 + 2.5% of the total transaction value at the counter 1% of total transaction value + applicable service charge while booking online (IRCTC website)

About SBI Credit Cards

SBI Credit Card Variants at Bajaj Markets

Other Credit Card Partners

To activate your SBI Card PRIME, you can use any of the following options —

Option 1: Login to your SBI Card account at www.sbicard.com and activate your card.
Option 2: Write to the bank at www.sbicard.com/email.
Option 3: Call the bank’s helpline number to activate your card.

The annual fee charged on the SBI PRIME card is ₹2,999 plus taxes.

The credit limit set on an SBI PRIME card is not fixed. It depends on the card holder’s credit history and credit score, among other factors. It is set by the bank based on the card holder’s credit profile.

You can redeem the reward points accumulated on your credit card account in the following ways:

Redemption against gift vouchers through sbicard.com or on the SBI card mobile app
Redemption against cash by writing to sbicard.com, sending an email to the bank, or by calling the SBI Card helpline number at 1860 180 1290 or 39 02 02 02 (prefix STD code)

There is no fixed credit limit. The credit limit is set by the card issuer, which is SBI in this case. And it depends on the cardholder’s credit profile and credit score.

Yes, applying for the SBI Card PRIME is a good option. Apart from the lucrative features and benefits, you also get welcome gift vouchers, milestone advantages, and a host of reward points.

The minimum balance required in an SBI savings account for an SBI PRIME card holder was originally ₹3,000 in metros, ₹2,000 in semi-urban areas and ₹1,000 in rural areas. However, in 2020, the bank waived off the requirement to maintain a minimum balance on all SBI savings accounts.