Core Rewards :
  • 2% 2 Reward Points per Rs. 100 on online and offline transactions
  • 10% Earn 5X reward points on groceries, dining, movies, and departmental stores.
Milestone Rewards :
  • Monthly : N/A
  • Quaterly : Pizza Hut e-voucher worth Rs. 1,000 on a quarterly spend of Rs. 50,000.
  • Annual : E-voucher worth Rs. 7,000 from Yatra or Pantaloons on an annual spend of Rs. 5,00,000
No rewards on spends : Fuel, Wallet, EMI and cash withdrawals
Rewards Redemption
How to Redeem :
  • Redeemn your points on Statement Cash, Merchandise and Gift Vouchers
Redemption options : Statement Cash, Merchandise and Gift Vouchers
Redemption fee : Rs. 99+GST
Transfer partners : N/A
Complementary Benefits
Lounge access :
  • Domestic Lounge : 2 per quarter
  • International Lounge : 4 per year (2 per quarter)
  • Railway Lounge : N/A
Insurance Benefits :
  • Lost card liability : Rs. 1,00,000
  • Personal accidental insurance : N/A
  • Air accidental insurance : Rs. 50L
Other Benefits :
  • Lounge Membership : PriorityPass - International Lounge Access
  • Memberships Available With Cards :
    • Club Vistara Silver Tier Membership
    • Trident Red Tier
  • Spa Benefits : N/A
Golf Benefits :
  • Lessons : 1 complimentary golf lesson every month (With MasterCard Variant only)
  • Games : Complimentary 4 rounds of green fee and and also up to 50% off on golf games (With MasterCard Variant only)
Joining fees : 2999
Annual fees : 2999
Welcome Benefits : N/A
Quaterly Benefits : N/A
Annual Benefits : N/A
Forex markup charges : 3.5%
Fee reversal criteria : Spend Rs. 3,00,000 in a year
Minimum age : 18
Minimum ITR : 4.5 lakhs
Minimum Salary : 30,000

SBI Prime Credit Card Welcome Benefits:

  • Receive a gift voucher worth Rs. 3,000.
  • Choose from brands like Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, or Pantaloons.

SBI Prime Credit Card Reward Points/Cashback:

  • Travel: Enjoy complimentary Trident Privilege Red Tier Membership, Club Vistara Silver Membership, and airport lounge access.
  • Golf: Get free golf rounds, lessons, and discounts (MasterCard Variant).
  • Insurance:
    • Get complimentary Air Accident Liability Cover of Rs. 50 lakhs.
  • Zero Liability Protection: Extra fraud liability cover.
    • Complimentary credit card Fraud Liability Cover of ₹ 1 lakh. This cover is applicable from 48 hours prior to reporting of loss till 7 days post reporting of loss. To report card loss, please
  • Reward Points: Earn up to 10 Reward Points per Rs. 100 in various spending categories.
  • Milestone Rewards: Get vouchers for spending milestones.
  • Birthday benefit : Enjoy 20 Reward Points per Rs. 100  spent on your birthday (Reward points on Birthday spends (one day before, on birthday and one day after) is capped at 2000 Reward points per calendar year)
  • Note: No rewards for fuel, wallet, EMI, and cash withdrawals.

SBI Prime Credit Card Reward Point Redemption:

  • Redeem points for Statement Cash, Merchandise, and Gift Vouchers.
  • Redemption fee: Rs. 99 + GST.
  • 1 Reward Point = Rs. 0.25.
  • Easily redeem through the SBI mobile app or
  • Offset card's outstanding balance with reward points.
  • No transfer partners available.
  • This flexibility allows you to maximize the value of your earned reward points according to your preferences.

Pros of SBI Prime Credit Card

  • Complimentary lounge access for travelers.
  • Fee waiver on meeting the minimum spend.
  • Versatile privileges in dining, entertainment, and golf.
  • Milestone rewards for quarterly and yearly spending.
  • Option to redeem points for statement credit.
  • Access to domestic and international airport lounges.

Cons of SBI Prime Credit Card

  • High annual fee of Rs. 2,999.
  • Basic reward rate of 2 Reward Points for Rs. 100 spend.
  • Moderate return for a premium card.
  • Devaluations affecting accelerated rewards.
  • Challenging renewal fee waiver at Rs. 3 lakhs.
  • Relatively high renewal fee given the benefits offered.

SBI Prime Credit Card Benefits

  • Generous welcome gift voucher worth Rs. 3,000 from select brands.
  • Earn 10 Reward Points for every Rs. 100 spent on dining, movies, groceries, and department stores.
  • Renewal fee waiver upon annual spending of Rs. 3 lakhs.
  • Complimentary domestic and international airport lounge access.
  • Additional perks like golf benefits, insurance coverage, and zero liability protection.
  • Milestone rewards for quarterly and annual spends.
  • Dining discounts and exclusive hotel privileges available with different card variants.

SBI Prime Credit Card Charges and Fee

  • Annual fee of Rs. 2,999.
  • Renewal fee of Rs. 2,999.
  • Finance charges at an annual rate of 42%.
  • Late payment charges ranging from Rs. 400 to Rs. 1,300 based on the outstanding amount.
  • Foreign currency markup fee of 3.5%.
  • 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 4,000, with a maximum waiver of Rs. 250 per month.
  • Cash advance charges of 2.5% of the amount withdrawn or Rs. 500 (whichever is higher).
  • Rewards redemption fee of Rs. 99 (plus applicable taxes) per request.
  • Spend-based renewal fee waiver if a minimum of Rs. 3 lakhs was spent in the previous year.

Frequently Asked Questions:

Q.1 What is the value of the CV points in the SBI club Vistara card?


Q.2 Which SBI Card is eligible for airport lounge access?


Q.3 How can I redeem the welcome gift voucher on the SBI Prime Credit Card?


Q.4 Is there a cap on the Reward Points earned on birthday spends with the SBI Prime Credit Card?


Q.5 What is the redemption fee for SBI Prime Credit Card Reward Points?


Q.6 Can I offset my SBI Prime Credit Card's outstanding balance with reward points?


Q.7 Is there a foreign currency markup fee for international transactions?


Q.8 How can I get a fee waiver on the SBI Prime Credit Card's annual fee?