SBI PRIME Credit Card Review

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

Sbi prime credit card eligibility criteria:

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

Visit our FAQ page to know how to apply credit card in sbi bank online ?

Required Documents for sbi card prime application:

  • 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 (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report.

Visit our FAQ page to know how to track sbi credit card application status online?

Sbi prime card fees :

  • Joining Fee: Rs. 2999 + GST
  • sbi prime credit card annual fee : Rs. 2999 + GST

Sbi prime credit card benefits :

  • Welcome benefit:

After 15 days of paying the sbi card prime annual fee , you will get an SMS to choose an e-voucher of Rs. 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. You can make your state bank of india credit card payment through your online banking account

  • Reward benefit:

For each Rs. 100 spends on Utilities with your sbi prime card, you will get 20 reward points. You will get 10 reward points for the same on Groceries, Dining, Movies, and Departmental stores. 

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

  • Lounge access:

This is one of the best credit card for lounge access . You will 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 sbi credit card prime 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 Rs. 100 hotel credit. 

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

  • Sbi credit card flight offers :

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

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

  • Fuel surcharge waiver:

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

  • Sbi credit card insurance coverage:

This card comes with coverage against air accidental death of Rs. 50 lakh, and Rs. 1 lakh of fraud liability coverage (Applicable on 48 hours pre-reporting to 7 days post reporting)  You can call the credit card sbi customer care to claim the benefits of the coverage.  

  • Network privilege:

With this premium sbi credit card you can enjoy 4 golf rounds per year and a monthly 1 golf lesson, at some selected golf courses in India.  

  • Milestone benefit:

Total Amount Spent.

Time.

Total Benefit.

Rs. 50,000

A year. 

Rs. 1,000 gift vouchers from Pizza hut.

Rs. 3 lakh

A year. 

The sbi prime card annual fee for the next year will be waived off.

Rs. 5 lakh

A year. 

Gift voucher of Rs. 7,000 from Pantaloons/Yatra.

    Click here to know how to get sbi credit card statement online? 

  • Add on facility:

You can add any 2 of your family members like parents, spouse, and siblings with the prime card sbi as an add-on member. The member’s age should be minimum of 18 years. You can check your sbi prime credit card limit from your online banking account. 

  • Flexipay:

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

  • Sbi credit card balance transfer facility:

You can Transfer your other bank credit card’s outstanding to your SBI Prime Card and pay back it in EMIs with a lower interest rate. Check your sbi prime card credit limit before performing a balance transfer. Visit our FAQ page to know how to foreclose sbi credit card emi?

  • Global acceptance:

SBI Prime Card is accepted throughout the world. You can use it at almost any outlet or e-commerce site to make sbi bank credit card online payment.

Sbi prime credit card charges :

Particulars 

Payable Charge

Cash Withdrawal Charge.

2.5% against the amount, min Rs. 500.

Finance Charge.

3.50% monthly. Applicable if sbi credit card outstanding is not paid within due date.

Foreign currency transaction.

3.5% against the transacted amount.

Add-on card fee.

None, free for a lifetime.

Sbi credit card helpline contact details:

Sbi credit card helpline number toll free : 1860-180-1290 / 022-3902-0202 or 1860-180-7777

Sbi credit card mail id: [email protected]card.com

If you want to close your credit card account, then click here to know the sbi credit card closing process?

100xGain Ratings:

8/10

Final Opinion:

Hopefully, this sbi prime credit card review has helped you to understand this card better. After analyzing the benefits of sbi prime credit card it can be said that is one of the best sbi credit card in india . You will get premium benefits like Prime rewards, Lounge access, Club Vistara and Membership of Trident Privilege, Insurance coverage, sbi credit card prime annual fee waiver, and lots more. So if you can afford it then I would recommend you to go for this card.

But if you want some extra benefits like golf privilege or some extra lounge access benefits then take a look at the alternative cards given below. Hopefully, you will find your choice. 

Alternative Cards: 

  1. HDFC Bank Diners ClubMiles Credit Card. (Best for reward point and lounge access) 
  2. Kotak Mahindra Essentia Platinum Credit Card. (Best for earning reward points) 
  3. RBL Platinum Maxima Card. (Best for reward point and lounge access) 
  4. IRCTC SBI Premier Card. (Best for value back points and railway lounge access) 

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