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If you’re looking for a credit card packed with lifestyle benefits, travel perks, and high rewards, the SBI Prime Credit Card stands out as one of the most value-packed cards in India. Designed for individuals who love shopping, travel, and convenience, this card offers impressive milestone benefits and reward points on daily spends.
In this comprehensive guide, we explore everything you need to know about the SBI Prime Credit Card, including its features, charges, eligibility criteria, and how to apply.
✨ SBI Prime Credit Card Benefits
The SBI Prime Credit Card offers a premium suite of privileges that elevate your lifestyle and reward you generously for spending. Here’s what makes this card a preferred choice among SBI users:
🎁 Welcome Gift Worth ₹3,000
As a token of welcome, cardholders receive an e-gift voucher worth ₹3,000 from popular brands like:
- Pantaloons
- Shoppers Stop
- Aditya Birla Fashion
- Bata/Hush Puppies
- Yatra.com
🎂 Birthday Benefits
Celebrate your birthday with 20 reward points per ₹100 spent (valid for a day before, on your birthday, and the day after). Capped at 2000 points annually.
🏆 Milestone Rewards
- ₹50,000 quarterly spends = Pizza Hut Voucher of ₹1,000
- ₹3 Lakhs annual spend = Waiver of Renewal Fee
- ₹5 Lakhs annual spend = E-Gift Voucher worth ₹7,000
These milestone perks ensure you get maximum returns on your yearly usage of the SBI Prime Credit Card.
🛒 Prime Rewards Program
Earn 10 reward points per ₹100 spent on:
- Dining
- Groceries
- Departmental Stores
- Movies
Everyday spending turns into value-packed rewards with this powerful cashback mechanism.
💼 SBI Prime Credit Card Charges
Being informed of card fees is essential. Here’s a breakdown of the charges for the SBI Prime Credit Card:
| Charge Type | Details |
|---|---|
| One-time Joining Fee | ₹2,999 + Taxes |
| Annual Renewal Fee | ₹2,999 + Taxes (waived on ₹3L spend) |
| Finance Charges | 3.5% per month (42% annually) |
| Late Payment Fee | ₹400–₹1,300 (based on bill amount) |
Pay your bills on time to avoid charges and maintain a healthy credit score.
💳 SBI Prime Credit Card Limit
What is the credit limit of SBI Prime card?
The SBI Prime Credit Card limit is not fixed and varies based on the applicant’s:
- Monthly income
- Credit score (CIBIL)
- Past repayment history
Typical credit limits range between ₹1.5 Lakhs to ₹5 Lakhs. Regular usage and timely repayments can help increase the credit limit.
✈️ SBI Prime Credit Card Lounge Access
Love to travel? The SBI Prime Credit Card offers exclusive lounge access benefits for both domestic and international travelers:
- Domestic Lounges: 8 Complimentary visits per year (2/quarter)
- International Lounges: 4 Complimentary visits per year (via Priority Pass) – 2 visits per quarter
This feature adds a luxurious touch to your travel experience and is one of the top-selling points of the SBI Prime Credit Card.
📜 SBI Prime Credit Card Eligibility
To apply for the SBI Prime Credit Card, you must meet the following eligibility criteria:
| Criteria | Requirement |
|---|---|
| Age | Between 21 and 60 years |
| Employment | Salaried or self-employed |
| Income Requirement | Minimum monthly income of ₹30,000+ |
| Credit Score | 700+ (Good repayment history) |
Meeting these criteria ensures a higher chance of approval. Keep documents like Aadhar, PAN, and income proof ready.
📝 How to Apply for SBI Prime Credit Card?
Applying for the SBI Prime Credit Card is simple and can be done online:
✅ Steps to Apply:
- Visit the official SBI Prime Credit Card page
- Click on “Apply Now”
- Fill in personal, financial, and employment details
- Upload documents for KYC
- Submit and await confirmation from SBI Card team
Your card is typically delivered within 7–10 working days post-approval.
❓ FAQs – People Also Ask
🔹 What are the benefits of SBI Prime Card?
It includes reward points, lounge access, birthday rewards, milestone gifts, and welcome vouchers.
🔹 What is the credit limit of SBI Prime card?
The credit limit ranges from ₹1.5 Lakhs to ₹5 Lakhs depending on eligibility.
🔹 What is the annual fee for a Prime card?
The annual fee is ₹2,999 + GST, which is waived off on spending ₹3 Lakhs annually.
🔹 एसबीआय प्राइम कार्डची क्रेडिट मर्यादा किती आहे?
मर्यादा अर्जदाराच्या उत्पन्नावर आणि CIBIL स्कोअरवर अवलंबून असते.
🔹 एसबीआय प्राइम क्रेडिट कार्डचे वार्षिक शुल्क मी कसे टाळू शकतो?
जर तुम्ही दरवर्षी ₹3 लाख खर्च केले, तर शुल्क माफ होतो.
🔹 Which credit card is best in SBI?
The SBI Prime Credit Card is among the best for lifestyle users, travelers, and reward seekers.
🔹 How much is prime annual fee?
It’s ₹2,999 + 18% GST, with a waiver on high yearly spend.
✅ Why SBI Prime Credit Card Is Worth It
The SBI Prime Credit Card is ideal for people who:
- Travel frequently
- Dine and shop often
- Want premium privileges
- Seek value through milestone gifts
- Need lounge access across India and abroad
When used wisely, the SBI Prime Credit Card pays for itself through rewards and fee waivers.
📌 Related Reads:
- Axis Bank Credit Card Tracking
- Pay Rent with Credit Card
- Tata Neu Credit Card Benefits
- DBS Credit Card Apply
- What is Credit Card?
🔚 Conclusion
The SBI Prime Credit Card brings together exclusive travel privileges, unmatched reward points, milestone vouchers, and fee waivers—making it a must-have for financially savvy individuals. Whether you’re spending on groceries or globetrotting, this card rewards you every step of the way.
Apply now and transform your lifestyle spending into rewarding experiences with the SBI Prime Credit Card.
🎁 Welcome Gift Worth ₹3,000
- Gift vouchers from Pantaloons, Yatra, Bata, and more
- Get it instantly after your first card usage
🏆 Reward Points System
- 10X Reward Points on Dining, Grocery, Movies
- 20X Points on your Birthday – Capped at 2000
🎯 Milestone Benefits
- ₹1,000 Pizza Hut voucher on ₹50,000/quarter spend
- Renewal Fee Waiver on ₹3L/year spend
- ₹7,000 E-Gift on ₹5L/year spend
✈️ Lounge Access Privileges
- 8 Domestic Lounge visits/year (2 per quarter)
- 4 International Lounge visits/year via Priority Pass
💳 SBI Prime Credit Card Charges
- Joining Fee: ₹2,999 + Taxes
- Annual Fee: ₹2,999 + Taxes
- Late Fee: ₹400 – ₹1,300
- Finance Charges: 3.5%/month
📈 Credit Limit & Eligibility
- Credit Limit: ₹1.5L – ₹5L based on profile
- Age: 21 to 60 years
- Monthly Income: ₹30,000+ required
- Good CIBIL Score preferred (700+)
📝 How to Apply Online?
- Visit: Official SBI Prime Card Page
- Click Apply Now and fill the application form
- Upload documents and submit
❓ Frequently Asked Questions
- What are the benefits of SBI Prime Card?
- What is the annual fee for SBI Prime Card?
- How to waive the annual fee?
- एसबीआय प्राइम कार्डची क्रेडिट मर्यादा किती आहे?
- Which is the best SBI credit card?