SBI PRIME Credit Card Review

SBI prime credit card is one of those kinds of credit cards which provide lots of facilities to its user. Its offers so many extraordinary premium services like prime rewards, milestone benefits, trident privilege membership, club Vistara membership, lounge access, birthday benefit, MasterCard & visa card privileges, and more. It is one of the most complete credit cards available in the India Market. 

Eligibility Criteria:

  • Resident Type: Indian.  
  • For salaried person:
    • Age: 21 to 70 yrs. 
    • Income: ₹30,000 monthly. 
  • For self-employed person:
    • Age: 21 to 70 yrs. 
    • Income: ₹30,000 monthly. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest Salary Slip (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹2999 + GST
  • Annual Fee: ₹2999 + GST


  • Welcome benefit:

After 15 days of paying the annual fee, you will get an SMS to choose an e-voucher of ₹3,000 as a welcome gift. There are so many brands for your choice like Bata / Hush Puppies, Pantaloons, Shopper Stop, Yatra, and so on.

  • Reward benefit:

For each ₹100 spends on Utilities, you will get 20 reward points. You will get 10 reward points for the same on Groceries, Dining, Movies, and Departmental stores. 

On every ₹100 spends on other categories, you will get 2 reward points. You will not get any reward points for fuel purchases. 

  • Lounge Access:

Enjoy 4 complimentary (maximum 2 visits/quarter) visits in a year to international lounges and 8 complimentary visits (maximum 2 visits/ quarter) in a year to domestic lounges. This offer is only for primary cardholders.

  • Hotel booking:

With this card, you will get a Red Tier Membership from Trident Privilege. 

With your first stay, you will get 1500 bonus points, and on an extended night stay, you will get ₹100 hotel credit. 

If you book a hotel through the hotel’s website, you will get a 10% savings.  And 10 points for every ₹100 spend at hotels. 

  • Travel benefit:

You will get complimentary membership of Club Vistara (Silver) and an upgrade voucher. 

On every ₹100 spent on Vistara flights, you will get 9 points from Club Vistara. 

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharges at fuel stations in India. The transaction amount should be between ₹500 to ₹4000. You can earn a maximum of ₹250 waivers per month. 

  • Insurance coverage:

This card comes with coverage against air accidental death of ₹50 lakh, and ₹1 lakh of fraud liability coverage (Applicable on 48 hours pre-reporting to 7 days post reporting)  

  • Network privilege:

You can enjoy 4 golf rounds per year and monthly 1 golf lesson, at some selected golf courses in India.  

  • Milestone benefit:

If you can spend ₹50,000 with your card within a year, you will get a ₹1,000 gift voucher from Pizza hut. 

If you can spend ₹3 lakh within a year then the annual fee for the next year will be waived off. 

If you can spend ₹5 lakh within a year, you will get a gift voucher of ₹7,000 from Pantaloons/Yatra.  

  • Add on Facility:

You can add any 2 of your family members like parents, spouse, and siblings with the SBI Prime Credit Card as an add-on member. The member’s age should be minimum of 18 years

  • Flexipay:

By using flexipay you can convert your transaction into easy monthly installment. This feature is very helpful for frequent shoppers. 

  • Balance Transfer:

You can Transfer your other bank credit card’s outstanding to your SBI card ELITE and pay back it in EMIs with a lower interest rate.

  • Global Acceptance:

SBI card ELITE is accepted throughout the world. You can use it at almost any outlet or e-commerce site to make payments.


  • Cash Withdrawal Charge: 2.5% against the amount, min ₹500. 
  • Finance Charge: 3.50% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 

Contact Details:

Call: 1800 180 1290 (toll free) 

         3902-0202 (add the STD code of your locality)

Mail: [email protected]

100xGain Ratings:


Final Opinion:

After analyzing the benefits of this card it can be said that is one of the best credit cards you can get at this price. You will get premium benefits like Prime rewards, Lounge access, Club Vistara and Membership of Trident Privilege, Insurance coverage, and lots more. So if you can afford it then I would recommend you to go for this card. But if you are ready to spend more then you can check SBI Card Elite or HDFC Diners Club Black Credit Card

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