The SBI Prime Credit Card is one of the most popular premium lifestyle credit cards offered by SBI Card. Designed for frequent shoppers, travelers, and entertainment lovers, this card provides generous reward points, complimentary airport lounge access, milestone benefits, and premium memberships.
If you’re looking for a credit card that offers excellent value on dining, groceries, movies, and travel, the SBI Prime Credit Card deserves your attention.
SBI Prime Credit Card Highlights
| Feature | Details |
|---|---|
| Reward Rate | 10 Reward Points per ₹100 on dining, groceries, departmental stores & movies |
| Value Back | Around 2.5% Reward Value |
| Lounge Access | 8 Domestic + 4 International Lounge Visits annually |
| Welcome Benefit | ₹3,000 Welcome Voucher |
| Joining Fee | ₹2,999 + GST |
| Annual Fee | ₹2,999 + GST |
| Fee Waiver | On annual spends of ₹3 lakh |
Table of Contents
SBI Prime Credit Card Rewards & Benefits
1. Reward Points on Everyday Spending
The SBI Prime Credit Card offers attractive rewards on daily expenses.
- 10 Reward Points per ₹100 spent on:
- Dining
- Grocery Shopping
- Departmental Stores
- Movie Tickets
This provides an approximate 2.5% value back, making it one of the best lifestyle credit cards in its category.
For all other retail purchases (excluding fuel), you earn:
- 2 Reward Points per ₹100 spent
2. Birthday Reward Bonus
Celebrate your birthday with extra rewards.
Earn:
- 20 Reward Points per ₹100
Applicable on transactions made:
- One day before your birthday
- On your birthday
- One day after your birthday
Maximum reward points allowed:
- 2,000 Reward Points per year
3. Complimentary Airport Lounge Access
Travel comfortably with free airport lounge access.
You’ll receive every year:
- 8 Complimentary Domestic Lounge Visits
- 4 Complimentary International Lounge Visits
Maximum usage:
- 2 lounge visits per quarter
4. Welcome Gift Worth ₹3,000
After paying the joining fee, cardholders receive a ₹3,000 welcome voucher from premium brands such as:
- Bata
- Hush Puppies
- Pantaloons
- Aditya Birla Fashion
- Shoppers Stop
- Yatra
This effectively offsets the joining fee.
5. Quarterly Milestone Benefit
Spend:
₹50,000 in a calendar quarter
Get:
- ₹1,000 Pizza Hut Voucher
Perfect for users who spend consistently throughout the year.
6. Annual Milestone Reward
Spend:
₹5 lakh in a year
Receive:
- ₹7,000 e-Gift Voucher
Redeemable across selected partner brands like:
- Yatra
- Pantaloons
- And other premium partners
7. Complimentary Premium Memberships
Cardholders also enjoy free memberships including:
- Club Vistara Silver Membership
- Trident Red Tier Membership
These memberships provide additional travel and hotel privileges.
8. Fuel Surcharge Waiver
Save on fuel expenses with:
- 1% Fuel Surcharge Waiver
Applicable on fuel transactions between:
- ₹500 to ₹4,000
Maximum waiver:
- ₹250 per month
SBI Prime Credit Card Fees & Charges
| Charges | Amount |
|---|---|
| Joining Fee | ₹2,999 + GST |
| Annual Fee | ₹2,999 + GST |
| Welcome Benefit | ₹3,000 Voucher |
| Annual Fee Waiver | Spend ₹3 lakh in previous year |
If your annual spending crosses ₹3,00,000, the renewal fee is waived.
SBI Prime Credit Card Eligibility
To apply, applicants must meet the following criteria:
- Age: 21–65 years
- Employment:
- Salaried
- Self-employed
- Minimum Monthly Income:
- ₹30,000
- Credit Score:
- 650+
- No delayed payments during the previous 12 months
- New-to-credit applicants are eligible only if salaried.
Documents Required
Applicants need the following documents:
Identity Proof
- PAN Card
- Form 60
Address Proof
- Aadhaar Card
- Passport
- Utility Bills
Income Proof
- Salary Slips
- Bank Statements
Photograph
- Recent Passport-size Photograph
Pros of SBI Prime Credit Card
- Excellent rewards on dining, groceries, movies, and shopping.
- Complimentary domestic and international lounge access.
- ₹3,000 welcome voucher offsets the joining fee.
- Annual fee waiver on ₹3 lakh spending.
- Attractive milestone rewards.
- Complimentary travel and hotel memberships.
- Fuel surcharge waiver.
Cons of SBI Prime Credit Card
- Annual fee may be high for low spenders.
- Higher reward rate is limited to selected spending categories.
- International lounge visits are capped at four per year.
Is SBI Prime Credit Card Worth It?
If you regularly spend on dining, grocery shopping, movies, travel, and lifestyle purchases, the SBI Prime Credit Card offers excellent value. The combination of high reward points, airport lounge access, welcome vouchers, milestone rewards, and premium memberships makes it a strong choice for professionals and frequent travelers.
However, if your annual spending is below ₹3 lakh, you should consider whether the annual fee justifies the benefits.
Final Verdict
The SBI Prime Credit Card is an excellent premium lifestyle credit card for users seeking rewarding everyday spending, travel privileges, and exclusive lifestyle benefits. With up to 2.5% reward value, complimentary lounge access, milestone rewards, and a welcome voucher equal to the joining fee, it delivers substantial value for cardholders who actively use their credit card throughout the year. If you can meet the spending milestones and annual fee waiver requirement, this card is one of the best premium SBI credit cards available in India.