SBI PRIME Credit Card Review

The sbi prime credit card is the choice of many Indians when it comes to premium benefits at an affordable rate. Offering reward points on every transaction, free access to airport lounges, exclusive deals on hotel booking, and an exclusive waiver on fuel surcharges, this prime card brings so much value with it that it can easily justify the Rs. 2,999 annual fee. More about the sbi prime card is discussed below.

What are the sbi prime credit card eligibility criteria?

  • Resident Type: Indian.  
  • SBI Prime credit card eligibility criteria for salaried person:
    • Age: 21 to 70 yrs. 
    • Income: Rs. 30,000 monthly. 
  • SBI prime credit card eligibility criteria for self-employed person:
    • Age: 21 to 70 yrs. 
    • Income: Rs. 30,000 monthly. 
  • A good CIBIL Score (750 or more) is mandatory to apply for this SBI prime credit card.
  • A good relationship with the bank may help you to get this sbi credit card more easily.

As you submit your application, you will get a unique application id. You can use that to track your sbi prime card application status. Now if you want to know how to track sbi credit card application status online? then feel free to take a look at the SBI faq page

What documents are required to apply for the sbi card prime?

  • 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.

Due to new rbi guidelines for credit card companies, all new sbi credit cards are delivered in an inactive state. The users can activate them manually by generating a new PIN. You can find more about the sbi prime credit card pin generation process from our faq page.

What are the sbi prime card fees?

  • SBI prime credit card joining fee: Rs. 2999 + GST
  • SBI prime credit card annual fee: Rs. 2999 + GST

What are the sbi prime credit card benefits ?

  • Start a wonderful journey with an attractive welcome gift:

With the activation of your sbi prime card and the realization of the first-year joining fee, you will get a chance to win an e-voucher of Rs.3,000 as a welcome gift. You will get an SMS to choose the brand of your sbi prime card welcome voucher.

  • Get rewarded for every transaction you make:

The sbi card prime variant comes with a powerful reward scheme that can make your every transaction rewarding. The details of the sbi card reward scheme are given below. 

Category of transaction

Rate of earning sbi prime card reward points* 

Groceries, Dining, Movies, and Departmental stores.     

10 sbi rewards points for every Rs.100 transaction. 

All other categories. 

2 SBI credit card points for each Rs.100 transaction. 

*You will not get any sbi reward points for fuel expenses. 

  • Enjoy free access to airport lounges:

The SBI Prime credit card is not the best credit card for lounge access , but you will get up to 4 free accesses per year to international lounges (maximum 2 visits/quarter) and up to 8 free accesses per year to the domestic airport lounges (maximum 2 visits/quarter). This offer is only available for the primary cardholder. Click here to find the complete sbi prime card lounge access list (visa lounges).

  • Enjoy attractive deals on hotel booking:

With this sbi credit card prime variant you will get a complimentary Trident Privilege Red tier membership that offers you exclusive deals on hotel booking. The perks of the sbi trident privilege membership are given below.

Particulars

Total benefit 

On your first stay

1500 bonus sbi prime credit card reward points.    

An extended night stay

Rs.100 hotel credit.

Hotel booking through the hotel’s website

10% savings. 

Every Rs.100 spent on dining during your stay    

10 sbi reward points

  • Travel more comfortably with exclusive sbi credit card flight offers:

This sbi prime credit card features a complimentary club Vistara silver tier membership and a complimentary upgrade voucher. This club vistara membership also offers 9 club vistara points for every Rs.100 spent on Vistara airlines. 

  • Enjoy freedom from fuel surcharges:

Every time you use this sbi prime credit card to purchase fuel from any fuel station in India, you will get a 1% waiver on fuel surcharges. This sbi prime card fuel surcharge waiver offer is applicable on transactions between Rs. 500 to Rs. 4000 and you can earn a maximum of Rs. 250 waivers per sbi prime card statement cycle.

  • Complimentary insurance coverage to support you in unfortunate events:

This prime sbi credit card can stand for you in unfortunate events with its built-in insurance coverage scheme. The details of sbi credit card insurance coverage are given below.

Particulars

Total coverage amount

Air accidental death coverage     

Rs.50 lakh 

Fraud liability coverage 

Rs.1 lakh (Applicable on 48 hours pre-reporting to 7 days post reporting)           

You can call the sbi prime card customer care number to claim the benefits of the coverage.  

  • Make your weekends entertaining with complimentary golf rounds:

With this premium sbi credit card you can enjoy 4 golf rounds per month and one complimentary golf lesson per month at some selected golf courses in India. Also, this sbi prime credit card features a 50% discount on golf games.

  • Earn attractive benefits from milestone expenses:

This premium sbi credit card also offers some bonus rewards on achieving certain spending milestones.

Total Amount Spent       

Time      

Total Benefit                    

Rs. 50,000

A year 

Rs. 1,000 gift vouchers from Pizza hut

Rs. 3 lakh

A year 

You will get a complete sbi prime credit card annual fee waiver        

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? 

  • Split your high-value transactions using flexipay:

The prime sbi card offers you a very useful flexipay option that allows you to split any high-value transaction (over Rs.2,500) into small monthly installments. 

  • A very useful sbi credit card balance transfer facility to make repayment easier:

You can Transfer your other bank credit card outstanding to your sbi prime credit card and pay them back in small monthly installments. Make sure to check your sbi prime card credit limit before performing a balance transfer.

If you want to know how to foreclose sbi credit card emi? then feel free to take a look at our faq page to know the complete process. 

  • Use your card anywhere in the world without restrictions:

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

What are the sbi prime credit card charges?

Particulars 

Payable Charge

SBI prime card cash withdrawal charges

2.5% against the amount, min Rs. 500 (make sure to check your available sbi prime card limit before making a withdrawal)

SBI credit card finance charges

3.50% monthly (applicable if sbi credit card outstanding is not paid within the due date)

SBI prime card charges on currency conversion

3.5% against the transacted amount

SBI credit card add on card fee

None, free for a lifetime

How to contact the sbi credit card helpline department?

  • Call the sbi credit card helpline number toll free: 1860-180-1290 / 022-3902-0202 or 1860-180-7777
  • Write to the sbi credit card mail id: customercare@sbicard.com

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

100xGain Ratings:

8/10

Pros and cons of the sbi visa prime credit card:

Pros

Cons

  • There is a handsome monthly waiver on fuel surcharges on this sbi prime credit card.
  • You will get free access to the domestic and international airport lounges.
  • This sbi prime credit card offers some complimentary golf rounds.
  • This sbi credit card does not have anything in the movie and entertainment category.
  • The sbi prime card annual fee seems a bit high for a fuel credit card.

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 it 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 are ready to budget a higher annual fee to get some extra benefits then make sure to take a look at the top credit card pages. You can also compare the alternative card options given below. 

Alternative cards of the sbi prime card: 

  1. HDFC diners club miles credit card (Best for reward point and lounge access) 
  2. Kotak mahindra essentia platinum card (Best for earning reward points) 
  3. RBL platinum maxima credit card (Best for reward point and lounge access) 
  4. IRCTC sbi premier credit card (Best for value back points and railway lounge access) 

11 thoughts on “SBI PRIME Credit Card Review”

Leave a Reply

Share via
Copy link
Powered by Social Snap
%d bloggers like this: