SBI Prime Credit Card

  • Joining Fee: Rs. 2,999 + GST
  • Renewal Fee: Rs. 2,999 + GST
  • Best Suited For: Travel | Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: Gift voucher (worth Rs. 3,000) from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons.
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The SBI Prime Credit Card is a lifestyle credit card issued by SBI Card. The Prime card carries an annual membership fee of Rs. 2,999. In many aspects, the card is quite similar to the SBI ELITE Credit Card, which has a membership fee of Rs. 4,999 and can be regarded as a toned-down version of the same. However, the SBI Prime Card does offer plenty of value-added benefits, such as complimentary domestic and international airport lounge access, discounted hotel bookings, and movie tickets, among others. In terms of the reward rate, you earn 2 Reward Points for every Rs. 100 spent with this card and 10 Reward Points for every Rs. 100 spent on dining, groceries, and department store purchases. With 1 Reward Point valued at Rs. 0.25, the effective reward rate for the card becomes 2.5% on dining, groceries, and department store categories and 0.5% on all other categories of spending. The SBI Card Prime, just like the ELITE Card, is issued in three variants: MasterCard, American Express, and VISA variants. Although the reward rate and benefits offered by all three variants are more or less the same, the payment networks do provide some exclusive benefits on their respective variants (details will be covered later in this article). Continue reading to learn more about this lifestyle credit card from SBI Card.

New Features

Spend Based Waiver

Fraud liability cover (worth Rs. 1 lakh) applicable from 48 hours prior to 7 days post reporting the loss of card to the bank

Interest Rates

3.5% of the transaction amount

Add-on Card Fee

2.5% of the amount withdrawn or Rs. 500 (whichever is higher)

Rewards Redemption Fee

Renewal fee is waived off if a minimum of Rs. 3 lakhs were spent in the previous year

Fuel Surcharge

3.5% per month (42% per annum)

Foreign Currency Markup

Rs. 99 (plus applicable taxes) per redemption request

Cash Advance Charges

1% fuel surcharge waiver applicable on every fuel transaction between Rs. 500 to Rs. 4,000 (maximum waiver of Rs. 250 in a month).

Movie & Dining

5X Reward Points (10 Reward Points) on dining and movie spends


1 RP = Rs. 0.25

International Lounge Access

8 complimentary domestic airport lounge visits per annum (max visits 2 per quarter)

Rewards Rate


Complimentary Trident Privilege Red Tier Membership, Complimentary Club Vistara Silver membership, & complimentary international and domestic airport lounge visits.

Insurance Benefits

4 complimentary international airport lounge access every year with Priority Pass Membership (2 per quarter)

Reward Redemption

Domestic Lounge Access

Complimentary 4 rounds of green fee and 1 complimentary golf lesson every month and also up to 50% off on golf games (With MasterCard Variant only)

Zero Liability Protection

Air accident cover (worth Rs. 50 lakhs), fraud liability cover (worth Rs. 1 lakh) applicable from 48 hours prior to 7 days post reporting about the loss of the card to the bank




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