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Features of SBI Prime Credit Card

  • Welcome Gift: Receive an e-gift voucher worth ₹3,000 from top brands such as Bata, Hush Puppies, Marks & Spencer, Pantaloons, Shoppers Stop, or Yatra.com upon joining.
  • Reward Points System: Standard Reward Points: Earn 2 Reward Points for every ₹100 spent on all retail transactions (excluding fuel).
    Accelerated Reward Points: 10 Reward Points per ₹100 spent on dining, groceries, departmental stores, and movies.
    20 Reward Points per ₹100 spent on standing instructions for utility bill payments (capped at 3,000 reward points per month).
    20 Reward Points per ₹100 spent on your birthday (capped at 2,000 reward points per calendar year, covering one day before, on, and one day after the birthday).
    Redemption: 4 Reward Points = ₹1. Points can be redeemed for flight/hotel bookings, shopping, gift cards, gadgets, or to pay the card’s outstanding balance (1 Reward Point = ₹0.25). A reward redemption fee may apply.
    Club Vistara Points: Earn 9 Club Vistara Points per ₹100 spent on Vistara flights, along with 1 upgrade voucher as part of the complimentary Club Vistara Silver membership.
Credit Card Promotion
    • Milestone Benefits: Quarterly Milestone: Get a Pizza Hut e-Voucher worth ₹1,000 on spending ₹50,000 in a calendar quarter. The voucher is sent to the registered mobile number within 30 days (or 21 days for some variants).
      Annual Milestone: Receive an e-Gift Voucher worth ₹7,000 from Yatra.com or Pantaloons on achieving annual spends of ₹5 Lakhs. An SMS to choose the voucher option is sent within 10 days (or 21 days for some variants).
      These milestone rewards can add up to ₹11,000 in vouchers annually for high spenders.
    • Travel Benefits: International Lounge Access: 4 complimentary visits per calendar year to International Priority Pass Lounges outside India (maximum 2 visits per quarter).
      Domestic Lounge Access: 8 complimentary visits per calendar year to Domestic VISA/Mastercard lounges in India (maximum 2 visits per quarter).
      Club Vistara Silver Membership: Complimentary membership offering priority check-in, additional baggage allowance, and earning Vistara points.
      Tablet Plus Membership: Access to VIP upgrades and privileges at hotels in India and worldwide.
      Golf Benefits: 4 complimentary rounds of green fees and up to 50% off on golf games, plus 1 complimentary golf lesson per month at select golf courses across India.
      Discounts on Luxury Hotels: Up to 15% discount on best available room rates and food & beverage at Lalit Hotels.
    • Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at any petrol pump in India. Maximum waiver of ₹250 per month per statement cycle (government service tax extra, as applicable).
    • Fee Waivers: Annual Fee Waiver: The renewal fee of ₹2,999 + taxes is waived if annual spends exceed ₹3 Lakhs.
      Joining Fee: One-time fee of ₹2,999 + taxes. The welcome e-gift voucher offsets this cost.
    • Contactless Transactions: Fast and Convenient: Use the card for contactless payments at secure readers for small-ticket purchases without handing over the card or entering a PIN.
      Enhanced Security: The card stays in your hand during transactions, reducing the risk of loss or skimming. A unique security key ensures only one transaction is processed even if waved multiple times.
    • Add-On Cards: Empower up to 2 family members (parents, spouse, children, or siblings above 18 years) with add-on cards. No additional fee is charged, and all transactions are consolidated into a single statement.
    • Flexipay and Balance Transfer: Flexipay: Convert transactions of ₹2,500 or more into easy monthly installments.
      Balance Transfer on EMI: Transfer outstanding balances from other banks’ credit cards to SBI Card PRIME at a lower interest rate, repayable in EMIs.
    • Security and Liability Covers: Fraud Liability Cover: Complimentary cover of ₹1 Lakh for fraudulent transactions, valid 48 hours before and 7 days after reporting the loss.
      Air Accident Liability Cover: Complimentary cover of ₹50 Lakhs for tickets booked with the card.
      Chip and PIN Security: Enhanced protection against counterfeiting and skimming.
      Card Replacement: Global card replacement for VISA cardholders, available 24/7 via the emergency helpline.
    • Cash Withdrawal: Withdraw cash from over 1 million VISA/Mastercard/American Express ATMs worldwide. Note: Cash withdrawals do not qualify for the interest-free period and incur interest from the transaction date.
    • International Usage: Use the card for contactless, online, and Point of Sale (POS) international transactions. Flexibility to activate/deactivate international usage and set transaction limits via sbicard.com.
    • Utility Bill Payments: Pay electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility. Earn 20 Reward Points per ₹100 on standing instructions for utility bills (capped at 3,000 points per month).
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Benefits of SBI Prime Credit Card

  • Welcome Benefit: ₹3,000 e-gift voucher from brands like Bata, Hush Puppies, Marks & Spencer, Pantaloons, Shoppers Stop, or Yatra.com upon card activation.
  • Accelerated Reward Points: 10 Reward Points per ₹100 spent on dining, groceries, departmental stores, and movies. 20 Reward Points per ₹100 on standing instructions for utility bill payments (capped at 3,000 points/month). 20 Reward Points per ₹100 on your birthday (capped at 2,000 points/year).
  • Travel Perks: 4 complimentary international lounge visits per year. 8 complimentary domestic lounge visits per year. Complimentary Club Vistara Silver membership.
    • Milestone Rewards: ₹1,000 Pizza Hut e-voucher on ₹50,000 quarterly spends. ₹7,000 e-gift voucher from Yatra.com or Pantaloons on ₹5 lakh annual spends.
    • Annual Fee Waiver: ₹2,999 + GST annual fee reversed if annual spends reach ₹3 lakh.
    • Fuel Surcharge Waiver: 1% waiver on fuel transactions (₹500–₹4,000), up to ₹250 per billing cycle.
    • Security Features: ₹1 Lakh fraud liability cover. ₹50 Lakhs air accident liability cover.
    • Global Usability: Accepted worldwide with contactless, online, and POS transaction capabilities.
    • Add-On Cards: Issue up to 2 add-on cards for family members at no extra cost.
    • Flexible Payment Options: Convert purchases of ₹2,500+ into EMIs. Balance transfer facility from other credit cards.
    • Utility Bill Payments: Pay bills via Easy Bill Pay and earn 20 Reward Points per ₹100 on standing instructions.
    • Golf Privileges: 4 complimentary green fee rounds and up to 50% off on golf games.
    • Hotel Discounts: Up to 15% discount on best available room rates at Lalit Hotels.
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How to Apply for SBI Prime Credit Card

  • Step 1: Check Eligibility
    Ensure you meet basic criteria:
    Age: 21-70 years for primary cardholders.
    Stable income source (₹7.5 lakh-₹12 lakh annually).
    Good credit score (preferably 750+).
    Indian resident with verifiable address.
  • Step 2: Gather Required Documents
    Identity Proof: PAN Card, Aadhaar, Passport.
    Address Proof: Utility bill, bank statement.
    Income Proof: Salary slips, ITR, Form 16.
    Photograph: Recent passport-sized photo.
  • Step 3: Choose Application Mode
    Online:
    Visit SBI Card website (https://www.sbicard.com).
    Fill online form and upload documents.

    Offline:
    Visit nearest SBI branch with all documents.
    Meet with credit card counselor for guidance.

  • Step 4: Submit Application
    Submit completed application form with all documents.
    Pay processing fee if applicable.
    Receive acknowledgment receipt for tracking application status.
  • Step 5: Document Verification
    Bank verifies personal and financial documents.
    May contact employer for income confirmation.
    Credit assessment conducted.
  • Step 6: Card Approval
    Receive approval notification if successful.
    Review terms including credit limit and fees.
    Accept terms to proceed with card issuance.
  • Step 7: Card Delivery
    Card dispatched to registered address.
    Activate card via SBI Card Net Banking or mobile app.
    Set PIN for secure transactions.

Eligibility Criteria for SBI Prime Credit Card

  • Age:
    • Primary cardholder: 21–70 years.
    • Add-on cardholder: Above 18 years.
  • Income:
    • Salaried: Minimum ₹50,000–₹1,00,000 monthly income.
    • Self-employed: Minimum ₹7.5–12 lakh annual income.
  • Employment Status:
    • Salaried: Minimum 6 months with current employer.
    • Self-employed: 1–2 years business continuity.
  • Credit Score:
    • Preferably 750+ (CIBIL or equivalent)
    • No recent defaults, write-offs, or settlements.
  • Residential Status: Must be an Indian resident with verifiable address.
  • Existing Bank Relationship:
    • Existing SBI savings/current account holders may receive pre-approved offers.
    • Long-standing customers often enjoy faster processing.
  • Debt Obligations:
    • Low debt-to-income ratio preferred (total EMIs + rent < 50% of income).
    • No more than 2–3 active credit cards recommended.
  • Documentation:
    • PAN Card (mandatory for all applications)
    • Address Proof (Aadhaar, utility bill not older than 3 months, etc.).
    • Income Proof (latest salary slips + Form 16 for salaried; last 2 years' ITR + bank statements for self-employed).
  • Application Channel:
    • Online: Via SBI Card website or mobile app with e-KYC..
    • Offline: Submit form at nearest SBI branch.
  • Verification & Approval:
    • Tele-verification and/or video KYC may be conducted.
    • Physical address verification in select cases.
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Documents Required for SBI Prime Credit Card

  • Identity Proof (Any one):
    • PAN Card (mandatory)
    • Aadhaar Card
    • Passport
    • Voter's ID
    • Driving License
  • Address Proof (Any one):
    • Aadhaar Card
    • Utility Bill (not older than 3 months)
    • Passport
    • Bank Statement
  • Income Proof:
    • Salaried: Latest 1-2 salary slips, Form 16, or 3 months bank statement
    • Self-employed: 1-2 years ITR, 3-6 months bank statement
  • Photograph: Recent passport-sized color photograph

Factors Affecting SBI Prime Credit Card Approval

  • Credit Score: Preferably 750+ (CIBIL or equivalent); lower scores may face rejection.
  • Income Level: Stable income meeting minimum thresholds (₹50K-₹1L monthly for salaried).
  • Employment Status: Salaried (6+ months with employer) or self-employed (1-2 years continuity).
  • Existing Debt: High debt-to-income ratio may reduce approval chances.
  • Documentation: Complete and accurate documents speed up processing.
  • Credit History: No defaults, settlements, or frequent late payments.
  • Residential Status: Must be Indian resident with verifiable address.
  • Existing SBI Relationship: Account holders may have advantage.
  • Verification Process: Accurate contact details crucial for tele-verification.
  • Age Considerations: Applicants must be between 21 to 70 years old for eligibility.
  • Application Timing: Applying during promotional offers may increase approval chances or provide added benefits, such as lower fees or waived joining charges.

Frequently Asked Questions (FAQs)

What is the SBI Card PRIME?
The SBI Card PRIME is a premium credit card designed for individuals with a strong financial profile, offering rewards on dining, groceries, movies, and travel. Key features include 10X reward points, complimentary lounge access, milestone benefits, and fuel surcharge waivers.
Who is eligible to apply for the SBI Card PRIME?
Age: 21–70 years for primary cardholders; 18+ for add-on cardholders. Income: Stable income (salaried or self-employed), typically ₹7.5 lakh–₹12 lakh annually or higher. Credit Score: Preferably 750 or above (CIBIL or equivalent). Residency: Residents and non-residents of India (NRIs) are eligible. Employment: Salaried individuals (6+ months with employer) or self-employed (1–2 years of business stability).
What documents are required to apply?
Identity Proof: PAN Card (mandatory), Aadhaar, Passport, Voter's ID, or Driving License. Address Proof: Aadhaar, Utility Bill (not older than 3 months), Passport, or Bank Statement. Income Proof: Salaried: 1–2 months' salary slips, Form 16, or 3 months' bank statement. Self-employed: 1–2 years' ITR, 3–6 months' bank statement, or audited financials. Photograph: Recent passport-sized color photograph.
How can I apply for the SBI Card PRIME?
Online: Via www.sbicard.com, select the SBI Card PRIME, and click "Apply Now." Offline: Visit an SBI branch, fill out the credit card application form, and submit documents. Track application status on the SBI Card website or app using the application/reference number.
What is the joining and annual fee for the card?
Joining Fee: ₹2,999 + GST (one-time, on card issuance). Annual Fee: ₹2,999 + GST (from the second year). Waiver: Annual fee is waived for the next year if annual spends reach ₹3 lakh.
What is the welcome benefit of the SBI Card PRIME?
You receive a ₹3,000 e-gift voucher from brands like Yatra.com, Pantaloons, or Shoppers Stop upon payment of the joining fee, credited after card activation.
How does the reward points system work?
10 Reward Points per ₹100 spent on dining, groceries, departmental stores, and movies. 2 Reward Points per ₹100 on other retail spends (except fuel). 20 Reward Points per ₹100 on standing instructions for utility bill payments (capped at 3,000 points/month). 20 Reward Points per ₹100 on your birthday (capped at 2,000 points/year). Redemption: 4 Reward Points = ₹1 for flights, hotels, shopping, gift cards, or statement credit.
What are the milestone benefits?
₹1,000 Pizza Hut e-voucher on ₹50,000 quarterly spends. ₹7,000 e-gift voucher from Yatra.com or Pantaloons on ₹5 lakh annual spends.
Does the card offer a fuel surcharge waiver?
Yes, a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per billing cycle, at any petrol pump in India.
Can I use the card for international transactions?
Yes, the card is accepted worldwide for contactless, online, and POS transactions.

List of SBI Prime Credit Card AP Branches

  • Ramachandrapuram (Ramachandrapuram Branch)
  • Tuni (Tuni Branch)
  • Addanki (Addanki Branch)
  • Chirala (Chirala Branch)
  • Markapur (Markapur Branch)
  • Sattenapalle (Sattenapalle Branch)
  • Mangalagiri (Mangalagiri Branch)
  • Repalle (Repalle Branch)
  • Bapatla (Bapatla Branch)
  • Vinukonda (Vinukonda Branch)
  • Yemmiganur (Yemmiganur Branch)
  • Atmakur (Atmakur, Kurnool Dist Branch)
  • Banaganapalle (Banaganapalle Branch)
  • Dhone (Dhone Branch)
  • Nandikotkur (Nandikotkur Branch)
  • Wyra (Wyra Branch)
  • Sattupalli (Sattupalli Branch)
  • Jaggayyapet (Jaggayyapet Branch)
  • Peddapuram (Peddapuram Branch)
  • Samalkot (Samalkot Branch)