SBI offers so many credit cards for their customers for their needs. The Club Vistara SBI Card PRIME is one of them. This card is specially designed for those peoples who like to travel. It has also some awesome features and benefits like welcome gift, reward benefits, milestone benefits, insurance coverage, airport lounge access priority pass membership, network benefits, contactless card features, global Acceptance, air accident cover, fraud liability cover, add-on card, easy bill pay, flexipay, easy money etc.
Eligibility criteria :
- Age : Age should be 21 years or more.
- Citizenship: The applicant must be an Indian.
- Occupation: The applicant should be salaried or self employed.
- Income : Applicant should have a good source of income.
Required Documents: .
- Identity proof: Aadhaar card, voter card, passport, driving license.
- Address proof: Ration card, aadhaar card, electricity bill, telephone bill.
- Income proofs:
For salaried applicants: Last 3 month’s bank statement, salary slip of last 3 months or any document of income.
For self employed applicants: Recent Income Tax Returns, Balance sheets.
- PAN card
Annual fee – Rs.2999 + Taxes
Renewal fee/ annum – Rs.2999.
No add-on card fee.
Privileges on Club Vistara SBI card PRIME
- Welcome gifts: There are some welcome reward for you if you choose this card. After paying the joining fees you will get a SMS of welcome gift vouchers on your mobile number which is registered in the Bank. You will be able to choose your welcome gift by replying the SMS or by calling the customer care number.
- You will get a premium economy ticket E-Gift voucher after paying the joining fees.
- Reward benefits: You will get rewards on your every purchase.
- If you spend Rs.100 you will get 2 CV points.
- Milestone benefits:
- If you spend Rs.75000 in between 3 months after receiving the card you will get bonus 3000 CV points.
- When you spend Rs.1.5 lakhs, Rs.3 lakhs, Rs.4 lakhs, Rs.8 lakhs per year you will get a premium economy tickets every time.
- If you spend Rs.8 lakhs you will get 1 hotel e-vouchers of Rs.10000.
- You will get the bonus rewards in your Club Vistara Membership account in between 15 days of spending.
- Insurance policy:
- You can cancel your transaction up to 6 times per year.
- There is a insurance policy of Rs.1 lakh for lost card .
- You will get Rs.1 crore for air accident.
- Rs.72000 for losing of baggage
- Rs.7500 for delaying of baggage.
- Rs.12500 for losing of travel documents.
- Rs.5000 for damaging of baggage.
- Domestic Airport Lounge Access:
- You will get 8 complimentary lounge access to domestic airport lounges in a year. You can avail maximum 2 lounge visit per quarter.
- Complimentary Priority Pass Membership: You will get complimentary priority pass membership of 99 USD.
- You can visit 4 lounge per year and 2 per qarter.
- Network Benefits:
- You wil get up to 10% and 5% off on rent at Hertz and RRentalcars.com respectively.
- You will get up to 33% discount in selected hotels and resorts.
Features of the Club Vistara SBI Card PRIME:
- Global Acceptance: You can use the card in more than 24 million outlets in the world and 3.25 lakhs outlets in India.
- Contactless Advantage: You can use the Card for your daily purchases. For transaction, go to any secure reader and wave your card smoothly.
It is fast and convenient that it is very unnecessary to give your card to anybody for everyday small purchases.
It is very secure. If you transact without contact , the card will always attached in your hand. The card has a skimming facility which helps you to prevent any fraud of the card and also save the card from losing.
- Add-on Cards : You can give your family ( parents, spouse, children, brothers and sisters whose age must be 18 years) the power to do something with your card.
- Reward points: You will get 4 CV points each time when you spend Rs.200 from your card. These reward points are redeemable and you can redeem these reward through air Vistara and gifts.
- Fraud liability Cover: If you lost your card you have to report to the customer care centre. SBI will provide you a lost card liability protection if any transaction occurred after the losing of the card.
You will get a coverage of Rs.1 lakh for fraud liability.
- Cash access across the world: You can use your card for cash withdrawals at more than 1 million MasterCard ATMs in which 18000 ATMs in India and 10000 SBI ATMs in more than 100 cities available.
- Utility Bill Payments: You can pay your electricity bill, mobile bill, water bills, telephone bills easily with the help of your card.
- Flexipay : If you purchase for Rs.2500 or extra with the help of your card, you can convert your transaction in easy monthly instalments. To use this facility ( convert into flexipay) you have to log in to sbicard.com with your username and password in between 30 days of your purchase.
- Balance Transfer on EMI: SBI will provide balance transfer facility. By this service you will be able to transfer your card’s outstanding balance of other banks to your Club Vistara SBI card PRIME. There is a very low interest rate for this transfer.
- Easy Money : By the easy money facility it is possible to get a draft or cheque against your card limit.
You will be able to get the Facility to your doorstep.
- For booking of easy money you have to log in to sbicard.com with your username and password.
- Interest free period 20days to 50 days.
- Finance charges 2.5% per month and 30% per year.
- Cash advance fees 2.5% of the amount at SBI and other ATMs (minimum Rs.500) and 3% for International ATMs.
- Cheque pick up fee Rs.100.
- Cheque payment fee Rs.100
- Payment dishonor fee 2% of transaction amount.
- Rs.100 for statement retrieval .
- Late payment:
- 0 for due of Rs.0 to Rs.500
- Rs.400 for due of Rs.500 or more and upto Rs.1000
- Rs.750 for due of Rs.1000 or more and upto Rs.10000
- Rs.950 for due of Rs.10000 or more.
- Rs.100 for card replacement.
- Overlimit charges 2.5% of the amount ( minimum Rs.500)
- $175 for emergency card replacement at abroad.
- Foreign currency mark-up 3.5%.
- Rs.99 for Reward redemption.
- Cash payment fees Rs.199.
Customer Care: If you want to know more about the card you can contact in this 24×7 helpline number 1800 180 1290.
100X Gain Rating: 4 stars.
Final Opinion: If you are searching for a credit card for your traveling at low fees and low charges you can use Club Vistara SBI Card PRIME. You can save through its CV points.