SBI Prime Credit Card

8.8
Expert ScoreRead review
  • Gift voucher (worth Rs. 3,000) as a welcome offer upon card issuance.
  • 10 Reward Points for every spend of Rs. 100 on dining, movies, groceries, and departmental store spends.
  • For other retail spends, get 2 RPs on every transaction of Rs. 100.
  • E-Gift Voucher worth Rs. 7,000 from Yatra or Pantaloons on spending Rs. 5 lakh in a year.
  • A Pizza Hut e-voucher worth Rs. 1,000 on spending Rs. 50,000 in a calendar quarter.
  • Renewal fee waived off on an expenditure of Rs. 3 lakhs or more in the last year.
  • 4 complimentary international airport lounge access every year (max 2 per quarter).
  • 8 complimentary domestic airport lounge access every year (max 2 in a quarter).
  • Up to 15% discount on finest available room rates at Lalit and F&B hotels (only available for MasterCard variant).
  • Up to 10% off on Hertz car rental and get up to 35% off on Avis Car Rentals (for Visa card variant only).
  • Enjoy exclusive benefits across 900 extravagance hotels. (only for Visa variant).
  • Complimentary Club Vistara Silver Membership.
  • Complimentary Trident Privilege Red Tier Membership.
  • 20 Reward points for every spend of Rs. 100 on birthday (max cap of 2,000 Reward Points on birthday spends).

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SBI Prime Credit Card

8.8
Expert ScoreRead review
  • Gift voucher (worth Rs. 3,000) as a welcome offer upon card issuance.
  • 10 Reward Points for every spend of Rs. 100 on dining, movies, groceries, and departmental store spends.
  • For other retail spends, get 2 RPs on every transaction of Rs. 100.
  • E-Gift Voucher worth Rs. 7,000 from Yatra or Pantaloons on spending Rs. 5 lakh in a year.
  • A Pizza Hut e-voucher worth Rs. 1,000 on spending Rs. 50,000 in a calendar quarter.
  • Renewal fee waived off on an expenditure of Rs. 3 lakhs or more in the last year.
  • 4 complimentary international airport lounge access every year (max 2 per quarter).
  • 8 complimentary domestic airport lounge access every year (max 2 in a quarter).
  • Up to 15% discount on finest available room rates at Lalit and F&B hotels (only available for MasterCard variant).
  • Up to 10% off on Hertz car rental and get up to 35% off on Avis Car Rentals (for Visa card variant only).
  • Enjoy exclusive benefits across 900 extravagance hotels. (only for Visa variant).
  • Complimentary Club Vistara Silver Membership.
  • Complimentary Trident Privilege Red Tier Membership.
  • 20 Reward points for every spend of Rs. 100 on birthday (max cap of 2,000 Reward Points on birthday spends).
Category: Tag:
Reward Type
Reward Points
Renewal Fee
Rs. 2,999 + GST
Joining Fee
Rs. 2,999 + GST
Type of Card
Shopping
Welcome Benefits
Gift voucher (worth Rs. 3,000) from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons.

USP of Card

  • Gift voucher (worth Rs. 3,000) as a welcome offer upon card issuance.
  • 10 Reward Points for every spend of Rs. 100 on dining, movies, groceries, and departmental store spends.
  • For other retail spends, get 2 RPs on every transaction of Rs. 100.
  • E-Gift Voucher worth Rs. 7,000 from Yatra or Pantaloons on spending Rs. 5 lakh in a year.
  • A Pizza Hut e-voucher worth Rs. 1,000 on spending Rs. 50,000 in a calendar quarter.
  • Renewal fee waived off on an expenditure of Rs. 3 lakhs or more in the last year.
  • 4 complimentary international airport lounge access every year (max 2 per quarter).
  • 8 complimentary domestic airport lounge access every year (max 2 in a quarter).
  • Up to 15% discount on finest available room rates at Lalit and F&B hotels (only available for MasterCard variant).
  • Up to 10% off on Hertz car rental and get up to 35% off on Avis Car Rentals (for Visa card variant only).
  • Enjoy exclusive benefits across 900 extravagance hotels. (only for Visa variant).
  • Complimentary Club Vistara Silver Membership.
  • Complimentary Trident Privilege Red Tier Membership.
  • 20 Reward points for every spend of Rs. 100 on birthday (max cap of 2,000 Reward Points on birthday spends).

Fees & Charges

Spend Based Waiver
Renewal fee is waived off if a minimum of Rs. 3 lakhs were spent in the previous year
Interest Rates
3.50% per month (42% per annum)
Cash Advance Charges
3.50% of the transaction amount
Rewards Redemption Fee
Rs. 99 (plus applicable taxes) per redemption request
Fuel Surcharge
1% fuel surcharge waiver applicable on every fuel transaction between Rs. 500 to Rs. 4,000 (maximum waiver of Rs. 250 in a month).
Foreign Currency Markup
2.5% of the amount withdrawn or Rs. 500 (whichever is higher)
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
5X Reward Points (10 Reward Points) on dining and movie spends Get up to 25% discount on dining bills at partner restaurants (only with AmEx variant)
Reward Redemption
Redeem reward points on Sbicard.com for gift vouchers or for settling the card’s statement balance. 1 RP = Rs. 0.25
Zero Liability Protection
Fraud liability cover (worth Rs. 1 lakh) applicable from 48 hours prior to 7 days post reporting the loss of card to the bank
Rewards Rate
10 Reward Points for every spend of Rs. 100 on groceries, dining, movie and departmental store, 2 RPs for every Rs. 100 spent on all other retail.
Travel
Complimentary Trident Privilege Red Tier Membership, Complimentary Club Vistara Silver membership, & complimentary international and domestic airport lounge visits.
Online Shopping offers
Up to 10% off on Hertz car rental and get up to 35% off on Avis Car Rentals (for Visa card variant only).
Insurance Benefits
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
Domestic Lounge Access
8 complimentary domestic airport lounge visits per annum (max visits 2 per quarter)
International Lounge Access
4 complimentary international airport lounge access every year with Priority Pass Membership (2 per quarter)
8.8Expert Score
  • Gift voucher (worth Rs. 3,000) as a welcome offer upon card issuance.
  • 10 Reward Points for every spend of Rs. 100 on dining, movies, groceries, and departmental store spends.
  • For other retail spends, get 2 RPs on every transaction of Rs. 100.
  • E-Gift Voucher worth Rs. 7,000 from Yatra or Pantaloons on spending Rs. 5 lakh in a year.
  • A Pizza Hut e-voucher worth Rs. 1,000 on spending Rs. 50,000 in a calendar quarter.
  • Renewal fee waived off on an expenditure of Rs. 3 lakhs or more in the last year.
  • 4 complimentary international airport lounge access every year (max 2 per quarter).
  • 8 complimentary domestic airport lounge access every year (max 2 in a quarter).
  • Up to 15% discount on finest available room rates at Lalit and F&B hotels (only available for MasterCard variant).
  • Up to 10% off on Hertz car rental and get up to 35% off on Avis Car Rentals (for Visa card variant only).
  • Enjoy exclusive benefits across 900 extravagance hotels. (only for Visa variant).
  • Complimentary Club Vistara Silver Membership.
  • Complimentary Trident Privilege Red Tier Membership.
  • 20 Reward points for every spend of Rs. 100 on birthday (max cap of 2,000 Reward Points on birthday spends).
Best values score
8.8
PROS
  • This card provides eight complimentary visits to domestic lounges and 4 to international terminals.
  • With the card, you get an attractive welcome benefit of gift vouchers worth Rs. 3,000 to numerous popular brands like Hush Puppies and Bata.
CONS
  • The card’s Reward Rate is poor, with 4 Reward Points equal to 1 Re.
  • For the waiver of the annual renewal fee, you would have to spend Rs. 3 lakhs which is quite high.
8.8Expert Score
  • Gift voucher (worth Rs. 3,000) as a welcome offer upon card issuance.
  • 10 Reward Points for every spend of Rs. 100 on dining, movies, groceries, and departmental store spends.
  • For other retail spends, get 2 RPs on every transaction of Rs. 100.
  • E-Gift Voucher worth Rs. 7,000 from Yatra or Pantaloons on spending Rs. 5 lakh in a year.
  • A Pizza Hut e-voucher worth Rs. 1,000 on spending Rs. 50,000 in a calendar quarter.
  • Renewal fee waived off on an expenditure of Rs. 3 lakhs or more in the last year.
  • 4 complimentary international airport lounge access every year (max 2 per quarter).
  • 8 complimentary domestic airport lounge access every year (max 2 in a quarter).
  • Up to 15% discount on finest available room rates at Lalit and F&B hotels (only available for MasterCard variant).
  • Up to 10% off on Hertz car rental and get up to 35% off on Avis Car Rentals (for Visa card variant only).
  • Enjoy exclusive benefits across 900 extravagance hotels. (only for Visa variant).
  • Complimentary Club Vistara Silver Membership.
  • Complimentary Trident Privilege Red Tier Membership.
  • 20 Reward points for every spend of Rs. 100 on birthday (max cap of 2,000 Reward Points on birthday spends).
Best values score
8.8
PROS
  • This card provides eight complimentary visits to domestic lounges and 4 to international terminals.
  • With the card, you get an attractive welcome benefit of gift vouchers worth Rs. 3,000 to numerous popular brands like Hush Puppies and Bata.
CONS
  • The card’s Reward Rate is poor, with 4 Reward Points equal to 1 Re.
  • For the waiver of the annual renewal fee, you would have to spend Rs. 3 lakhs which is quite high.

Specification: SBI Prime Credit Card

Bank Name

SBI

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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