SBI Prime Credit Card, Rewards and Benefits, Joining Fees & amp; Charges, Apply Online

SBI Prime Credit Card: HDFC Bank and Paytm have collaborated to introduce a co-branded credit card, aiming to offer customers a seamless digital experience coupled with rewarding benefits. This partnership leverages HDFC Bank’s banking expertise and Paytm’s digital payment platform to provide users with exclusive offers, cashback deals, and reward points on various transactions, including shopping, dining, travel, and utility payments. The card is expected to integrate with Paytm’s ecosystem, allowing for easy redemption of rewards and access to additional services through the Paytm app. With contactless payment support and robust customer support infrastructure, the HDFC Bank-Paytm co-branded credit card promises enhanced convenience, security, and value for modern consumers.

Fees	Joining Fee- Rs. 2,999 + GST Renewal Fee-Rs. 2,999 + GST
Best Suited For	Travel | Shopping
Reward Type	Reward Points
Welcome Benefits	Gift voucher (worth Rs. 3,000) from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons

Rewards and Benefits

Experience the Ultimate Fusion of Entertainment and Fine Dining with the New Card Offering

Embark on a journey where every swipe brings you closer to an unparalleled realm of rewards and privileges. Introducing our latest card, meticulously designed to elevate your lifestyle to new heights. Get ready to indulge in a world where dining and movie experiences are not just leisure activities but avenues for maximizing your rewards.

• Movie & Dining:- Dive into a culinary adventure with our exclusive dining privileges. Enjoy a sumptuous meal at our partner restaurants and relish up to 25% discount on your dining bills, available exclusively with the AmEx variant of our card. With every dining and movie spend, earn a remarkable 5X Reward Points, equivalent to 10 Reward Points, ensuring that every bite and flick contributes significantly to your rewards.
• Rewards Rate & Redemption:- But that’s not all; our rewards program extends beyond dining and entertainment. Earn 10 Reward Points for every spend of Rs. 100 on groceries, dining, movies, and departmental stores, and 2 Reward Points for every Rs. 100 spent on all other retail transactions. Your points are your ticket to a world of possibilities, redeemable for gift vouchers or as a statement balance settlement on Sbicard.com, where 1 Reward Point equals Rs. 0.25.
• Travel:- Travel in style with our array of complimentary memberships and privileges. Enjoy the benefits of Trident Privilege Red Tier Membership, Club Vistara Silver Membership, and indulge in the luxury of international and domestic airport lounge visits. Whether you’re jet-setting across the globe or exploring domestic destinations, our card ensures that your travel experiences are nothing short of extraordinary.
• Golf:- For the golf enthusiasts, our MasterCard variant opens the doors to a world of golfing privileges. Enjoy complimentary rounds of green fees, monthly golf lessons, and up to 50% off on golf games, making every swing a celebration of your passion for the sport.
• Domestic Lounge Access & International Lounge Access:- Unwind and relax at airport lounges with our domestic and international lounge access benefits. With 8 complimentary domestic airport lounge visits per annum and 4 complimentary international airport lounge access every year through Priority Pass Membership, travel becomes a seamless and luxurious affair.
• Insurance Benefits:- Your peace of mind is our priority. Our card comes with comprehensive insurance benefits, including air accident cover worth Rs. 50 lakhs and fraud liability cover worth Rs. 1 lakh, ensuring that you’re protected wherever you go. With our zero liability protection, you can rest assured that your finances are safeguarded against fraudulent activities.
• Zero Liability Protection:- Embrace a lifestyle of luxury, convenience, and exclusivity with our new card offering. Elevate your entertainment experiences, indulge in gourmet delights, and unlock a world of rewards and privileges that redefine the way you live, dine, and entertain. Apply for your card today and embark on a journey where every moment is a celebration of your discerning taste and refined lifestyle.

Fees & Charges

Discover the Freedom of Effortless Rewards and Unmatched Benefits with Our Exclusive Card

Step into a world where your spending habits are not just recognized but celebrated. Introducing our premium card that redefines the concept of rewards and privileges, making every transaction an opportunity to elevate your lifestyle.

• Spend Based Waiver:- Experience the ultimate in convenience with our spend-based renewal fee waiver. Simply spend a minimum of Rs. 3 lakhs in the previous year, and watch as your renewal fee is effortlessly waived off, ensuring that your membership remains as rewarding as ever.
• Rewards Redemption Fee:- Unlock a world of possibilities with our seamless rewards redemption process. For a nominal fee of just Rs. 99 (plus applicable taxes) per redemption request, you can access your rewards whenever you desire, allowing you to indulge in the experiences that matter most to you.
• Foreign Currency Markup & Interest Rates:- Travel with confidence knowing that you’re getting the best value on every transaction. With a foreign currency markup of just 3.5% of the transaction amount, you can explore the world without worrying about hidden fees eating into your budget.
• Fuel Surcharge:- Experience the thrill of the open road with our fuel surcharge waiver. Enjoy a 1% fuel surcharge waiver on every fuel transaction between Rs. 500 to Rs. 4,000, with a maximum waiver of Rs. 250 in a month, ensuring that you’re always saving while you fill up.
• Cash Advance Charges:- Need cash in a pinch? Our cash advance charges are designed to be fair and transparent, with just 2.5% of the amount withdrawn or Rs. 500 (whichever is higher), ensuring that you have access to funds whenever you need them.
• Add-on Card Fee:- And with no add-on card fee, you can share the benefits of your card with your loved ones, allowing them to experience the same level of luxury and convenience that you enjoy.

Discover a world of unparalleled rewards and benefits with our exclusive card. Apply today and experience the freedom of effortless rewards and unmatched benefits that only our card can offer.

Product Details

• Upon issuance of your card, receive a generous welcome gift voucher worth Rs. 3,000, setting the stage for a journey filled with excitement and luxury. Dive into a world of rewards with every transaction, earning 10 Reward Points for every spend of Rs. 100 on dining, movies, groceries, and departmental store purchases. For all other retail spends, enjoy 2 Reward Points on every transaction of Rs. 100, ensuring that every rupee you spend brings you closer to extraordinary rewards.
• As you embark on your journey with us, unlock even more exclusive rewards. Reach new heights of luxury with an e-Gift Voucher worth Rs. 7,000 from Yatra or Pantaloons upon spending Rs. 5 lakhs in a year. Indulge your cravings with a Pizza Hut e-voucher worth Rs. 1,000 when you spend Rs. 50,000 in a calendar quarter, adding a delicious touch to your experiences.
• Experience the freedom of renewal fee waiver by simply spending Rs. 3 lakhs or more in the last year, ensuring that your membership remains as rewarding as ever. Travel in style with complimentary international and domestic airport lounge access, providing you with the perfect sanctuary to relax and rejuvenate before your journey.
• Enjoy exclusive discounts and privileges at some of the finest hotels and car rental services around the world. Benefit from up to 15% off on the finest available room rates at Lalit and F&B hotels with the MasterCard variant, or take advantage of up to 10% off on Hertz car rentals and up to 35% off on Avis Car Rentals with the Visa card variant. Explore a world of luxury with complimentary Club Vistara Silver Membership and Trident Privilege Red Tier Membership, enhancing every aspect of your travel experiences.
• Celebrate your special day in style with 20 Reward Points for every spend of Rs. 100 on your birthday, with a maximum cap of 2,000 Reward Points on birthday spends. It’s our way of adding an extra touch of joy to your celebrations.
• Unlock a world of unparalleled rewards, benefits, and privileges with our prestigious card. Apply now and elevate your lifestyle to new heights with the ultimate in luxury and indulgence.

Pros/Cons

Pros:

• Unlock the gateway to luxury travel with eight complimentary visits to domestic airport lounges and four visits to international terminals, ensuring that your journeys are filled with comfort and relaxation.
• Enjoy a warm welcome into the world of rewards and privileges with enticing gift vouchers worth Rs. 3,000 to renowned brands like Hush Puppies and Bata, setting the stage for a rewarding experience from the very beginning.

Cons:

• While the card offers access to exclusive benefits, its Reward Rate may leave something to be desired, as 4 Reward Points are equivalent to only 1 Re, potentially diminishing the value of your spending.
• The requirement to spend Rs. 3 lakhs for the annual renewal fee waiver might pose a challenge for some, as it sets a relatively high threshold for achieving this benefit, limiting its accessibility to a certain segment of cardholders.

SBI Prime Card Benefits and Features

Introducing the SBI Card Prime: Elevate Your Lifestyle with Unmatched Benefits. Delve into a realm of unparalleled luxury and rewards with the SBI Card Prime, meticulously crafted to cater to your every need and desire. Let’s explore the myriad of benefits and features this premier card has to offer:

Welcome Benefits:

Embark on your journey with a delightful surprise – a shopping or travel gift voucher worth Rs. 3,000 from a selection of esteemed brands including Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Yatra, and Shoppers Stop.

Milestone Benefits:

Celebrate your spending milestones with exclusive rewards:

• Indulge in a delectable treat with a Pizza Hut e-voucher worth Rs. 1,000 upon quarterly expenditure of Rs. 50,000.
• Reach new heights of luxury with an e-voucher worth Rs. 7,000 from Yatra or Pantaloons upon annual expenditure of Rs. 5 lakh.
• Enjoy the privilege of a waived membership renewal fee upon reaching an annual expenditure of Rs. 3 lakhs.

Travel Benefits:

Experience the world in style with an array of travel privileges:

• Enjoy the perks of complimentary Club Vistara Silver Membership and Trident Privilege Red Tier membership.
• Relax in comfort with complimentary domestic and international airport lounge visits.
• Unlock exclusive discounts of up to 15% on the finest available room rates at Lalit and F&B hotels (MasterCard variant only).
• Take advantage of up to 10% off on Hertz car rental and up to 35% off on Avis Car Rentals (Visa card variant only).
• Immerse yourself in luxury with exclusive benefits across 900 luxurious hotels (Visa variant only).
• Elevate your stay with a complimentary Tablet Plus membership, offering VIP upgrades and benefits at hotels in India and abroad (American Express variant only).

Airport Lounge Access:

Enjoy the convenience and luxury of airport lounge access:

• Benefit from 2 complimentary access to domestic airport lounges per quarter by MasterCard/Visa/American Express.
• Relax and unwind with 4 complimentary international airport lounge access annually (max 2 per quarter) through Priority Pass membership.

Dining and Movie Benefits:

Savor every moment with exclusive dining and movie privileges:

• Earn 5X Reward Points (10 Reward Points per Rs. 100) on movie spends.
• Indulge your palate with up to 25% discount at partner restaurants as a dining benefit (American Express variant only).

Golf Benefits:

For the golf enthusiasts, enjoy a suite of exclusive benefits with the MasterCard variant:

• Revel in 4 rounds of complimentary green fees.
• Receive up to 50% discount on golf games.
• Enhance your skills with 1 complimentary golf lesson per month.

Insurance Benefits:

Stay protected with comprehensive insurance coverage:

• Enjoy complimentary air accident liability cover worth Rs. 50 lakh.
• Benefit from fraud liability cover worth Rs. 1 lakh applicable from 48 hours prior to 7 days after reporting the loss of card to the bank.

Zero Liability Protection:

Rest easy knowing that you’re protected with zero liability protection, ensuring that you’re not responsible for any unauthorized/fraudulent purchases made on your misplaced/stolen card if reported to the bank in a timely manner.

Experience the epitome of luxury and rewards with the SBI Card Prime. Apply now and elevate every aspect of your lifestyle with exclusive benefits and privileges tailored to exceed your expectations.

SBI Prime Card Rewards Benefits

Unveiling the Ultimate Rewards Experience with Your Card. Prepare to embark on a journey where every swipe transforms into a gateway to rewards and privileges beyond compare. Introducing your card, a testament to luxury and indulgence, where every expenditure is an opportunity to earn and redeem exclusive rewards.

Reward Points Galore:

Elevate your dining, entertainment, and everyday shopping experiences with an unparalleled rewards program:

• Earn a lavish 10 Reward Points for every Rs. 100 spent on dining, movies, groceries, and departmental store purchases, ensuring that every meal and outing adds to your treasure trove of rewards.
• For all other retail expenditures, enjoy a generous 2 Reward Points for every Rs. 100 spent, making each purchase a step closer to unlocking extraordinary benefits.
• Celebrate your special day in style with a lavish offering of 20 Reward Points for every Rs. 100 spent on your birthday, capped at an impressive 2,000 Reward Points per calendar year, ensuring that your celebrations are as rewarding as they are memorable.

Reward Points Redemption:

Experience the flexibility of redemption with a range of options tailored to suit your preferences:

• Choose from a plethora of gift vouchers available on sbicard.com or through the SBI mobile app, allowing you to indulge in your favorite brands and experiences.
• Settle your card’s outstanding balance with ease, using your accumulated Reward Points to offset expenses and manage your finances effortlessly.
• With a redemption rate of 1 Reward Point = Rs. 0.25, every point becomes a valuable asset, empowering you to make the most of your rewards.

Unleash the power of your card and unlock a world of possibilities with each transaction. Apply now and experience the ultimate rewards experience that only your card can offer.

SBI Card Prime Fees & Charges

Navigating through the myriad of fees and charges associated with credit cards is an essential step in selecting the perfect one to suit your needs. With each card boasting its unique fee structure, including annual fees, interest rates, forex markup fees, and cash advance charges, it’s crucial to delve into the specifics. Let’s explore the fees and charges of the SBI Card Prime and its eligibility criteria, ensuring you make an informed decision.

Fees and Charges:

Joining & Renewal Fee: The SBI Card Prime entails a joining fee of Rs. 2,999 (plus applicable taxes), which cannot be waived. However, the renewal fee of Rs. 2,999 can be waived upon spending Rs. 3 lakhs or more in the previous year, offering a pathway to offsetting the renewal cost.

Interest Charges: In the event of outstanding dues remaining unsettled beyond the due date, the cardholder incurs interest charges at a rate of 3.5% per month (equivalent to 42% annually) on the due amount, emphasizing the importance of timely bill settlement.

Cash Advance Fee: Availing cash through the SBI Card Prime attracts a cash advance fee amounting to 2.5% of the withdrawn cash amount, with a minimum charge of Rs. 500, underscoring the cost associated with cash withdrawals.

Foreign Currency Markup: Transactions conducted in a foreign currency incur a markup fee of 3.5% of the transaction amount, highlighting the additional cost associated with international purchases.

Eligibility Criteria:

Every credit card is tailored with specific eligibility criteria, encompassing factors such as age, income, and credit history. Similarly, the SBI Card Prime has its own set of eligibility criteria, ensuring alignment with potential cardholders’ financial profiles. These criteria include:

• Minimum Age: Applicants must meet the minimum age requirement set by the issuer.
• Income Criteria: A certain minimum income threshold is stipulated, ensuring applicants possess the financial capacity to manage credit responsibly.
• Credit History: A favorable credit history, devoid of defaults or delinquencies, is typically required to qualify for the SBI Card Prime, reflecting the applicant’s creditworthiness.

Navigating through the fees and eligibility criteria of the SBI Card Prime empowers individuals to make informed decisions, aligning their financial needs with the card’s offerings. By understanding these intricacies, cardholders can maximize benefits while minimizing costs, ensuring a seamless and rewarding credit card experience.

Criteria	Age	Income
Salaried	18 years – 65 years	Rs. 32,000 per month
Self-employed	21 years – 65 years	Rs. 32,000 per month (as per ITR)

How to Apply For SBI Card Prime?

Unlocking the Path to Your SBI Card Prime: Application, Features, and More

Choosing the right credit card entails understanding its application process, features, and essential functionalities. With the SBI Card Prime, access to exclusive benefits and seamless transactions awaits. Here’s a comprehensive guide on how to apply for the SBI Card Prime and maximize its offerings:

Applying for SBI Card Prime:

1. Online Application:
   • Click on the “Apply Now” button on your screen to initiate the application process.
   • Fill out the online application form, providing necessary details and uploading required documents.
   • Review your application before submission, ensuring accuracy and completeness.
2. Offline Application:
   • Visit the nearest SBI branch and request an application form for the SBI Card Prime.
   • Complete the form with accurate information and submit it along with the requisite documents, including identity proof, address proof, and income proof.

Checking Application Status:

1. Through Customer Care:
   • Contact SBI Card customer care and inquire about the status of your application.
2. Online Tracking:
   • Visit the SBI Card’s official website and navigate to the “Credit Cards” section.
   • Select the “Track Application” option, enter the required details, and proceed to view your application status instantly.
3. Branch Visit:
   • Visit your nearest SBI branch and consult with branch executives to inquire about your credit card application status.

Credit Limit:

• The credit limit for the SBI Card Prime varies based on individual credit profiles and payment behaviors.
• Initially, you may receive a lower credit limit, but responsible usage and timely payments can lead to credit limit enhancements.
• Contact SBI Card customer care or visit the nearest branch to request a credit limit increase if necessary.

Bill Payment:

• Ensure timely bill payments to maintain a good credit score and avoid debt accumulation.
• Utilize convenient methods such as:
  • YONO app: Register and link your credit card to make payments seamlessly.
  • SBI Card Billdesk: Enter details and make payments online.
  • SBI ATM: Use the ATM to pay your credit card bill.
  • Cheque Drop or Manual Payment: Leave a cheque at an ATM Dropbox or visit the nearest SBI branch for manual payment.

Customer Care:

• Contact SBI Card customer care for assistance regarding queries or concerns related to your SBI Card Prime.
• Reach out through toll-free numbers, email, or social media platforms like Twitter for prompt support and resolution.

Blocking the Card:

• In case of emergencies such as card loss or theft, block your SBI Card Prime immediately using one of the following methods:
  • Send an SMS with “BLOCK XXXX” to 5676791, where XXXX represents the last 4 digits of your card number.
  • Contact SBI credit card customer care.
  • Block the card through net banking by accessing the “Request” tab and selecting the option to block the card.

Empower yourself with the SBI Card Prime and embark on a journey of convenience, rewards, and financial well-being. Apply now and unlock a world of possibilities tailored to meet your lifestyle needs.

Compare Other Cards To SBI Prime Credit Card

Category	SBI Prime Credit Card	SBI Card Elite	HDFC Regalia Credit Card
Annual Fee	Rs. 2,999	Rs. 4,999	Rs. 2,500
Rewards Rate	2 Reward Points on every spend of Rs. 100. 5x Reward Points on dining, movies, groceries, and departmental stores.	2 Reward Points on every Rs. 100 spent. 5x Reward Points on dining, groceries, and departmental stores.	4 Reward Points on every spend of Rs. 150
Reward Redemption	1 Reward Point = Re. 0.25 for redemption against gift vouchers, products, and cashback.	1 Reward Point = Re. 0.25 for redemption against the product catalog and statement balance.	1 RP = Re. 0.20 for redemption against cashback 1 RP = Re. 0.35 for redemption against products and gift vouchers 1 RP = Re. 0.50 for redemption against flight/hotel bookings
Additional Benefits	Complimentary Club Vistara and Trident Privilege memberships. Gift vouchers worth up to Rs. 8,000 every year on achieving the spend milestone. Complimentary domestic and international lounge access	Complimentary Club Vistara and Trident Privilege memberships. Up to 50,000 bonus Reward Points every year. Complimentary domestic and international lounge access every year. Up to 2 complimentary movie tickets every month.	Complimentary domestic (12 per year) and international lounge (6 per year) access every year. Up to 15,000 bonus Reward Points every year on achieving the spend milestone.

Pros and Cons of SBI Prime Credit Card

Exploring the SBI Prime Credit Card: Pros, Cons, and Review

Delve into the world of credit card options, and the SBI Prime Credit Card emerges as a contender worth considering. With its array of advantages and a few drawbacks, let’s delve into a unique perspective on this credit card, highlighting its features, benefits, and potential areas for improvement.

Pros:

1. Frequent Traveler’s Delight:
   • Enjoy complimentary access to both domestic and international airport lounges, enhancing your travel experience with comfort and convenience.
2. Fee Waiver Benefit:
   • The annual fee of Rs. 2,999 is waived upon achieving the required minimum spend, offering a pathway to offsetting the membership cost and maximizing savings.
3. Diverse Lifestyle Privileges:
   • From dining to entertainment and golf, the SBI Prime Credit Card presents a plethora of privileges across various lifestyle categories, catering to diverse spending preferences and interests.

Cons:

1. Annual Fee Consideration:
   • The card may not be suitable for individuals hesitant to pay the annual fee of Rs. 2,999, particularly those seeking a no-fee or low-fee credit card option.
2. Reward Rate Optimization:
   • While offering benefits, the basic reward rate of 2 Reward Points on every spend of Rs. 100 could be improved to enhance the overall value proposition for cardholders.

Is This The Right Card For You?

The suitability of the SBI Prime Credit Card hinges on individual spending behavior and desired benefits. As a premium-level offering, this card caters to those seeking extensive benefits across various categories such as travel, dining, entertainment, and more. To determine its alignment with your needs, consider your spending habits and preferences, evaluating whether the card’s features complement your lifestyle and financial goals. If the benefits offered resonate with your requirements and usage patterns, the SBI Prime Credit Card emerges as a fitting choice for you.

SBI Prime Credit Card Review:

Considered a refined version of the SBI ELITE Card, the SBI Prime Credit Card targets individuals prioritizing shopping and travel expenses while seeking to avoid exorbitant annual membership fees. With its reasonable annual fee of Rs. 2,999, the card offers a balance of benefits and reward rates, making it a viable option for those seeking value without compromising on privileges. Share your experiences and insights on the SBI Prime Card to enrich the collective understanding and empower others in their credit card decisions.

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