SBI Prime Credit Card: Find out How It Worth

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SBI Prime Credit Card Review

The SBI Prime Credit Card stands out as a premier financial tool in the credit card industry, designed to enhance the shopping, travel, and lifestyle experiences of its users. It comes with features that provide value far beyond just a payment method, making it a significant player in its respective industry. 

This SBI Prime Credit Card review aims to provide its comprehensive overview, helping potential cardholders understand its value proposition and decide if it aligns with their financial needs and spending habits.

SBI Prime Credit Card: Overview 

credit card logo

Type: Premium credit card
Regular Apr: 42% p.a.
Annual Fee: ₹2,999

The SBI Prime Credit Card offers a premium suite of benefits right from the start, including a welcome e-gift voucher worth Rs. 3,000, usable at select brands. Cardholders enjoy earning 10 reward points for every Rs.100 spent on key categories such as dining and movies. With an annual fee of Rs. 2,999 plus taxes, this card bundles a wealth of advantages, making it an attractive option for those seeking value through their spending.


To be eligible for the SBI Prime Credit Card, applicants must meet certain criteria related to age and income, as follows:

1. Salaried Individuals

  • Age: 18 to 65 years
  • Income: Minimum of Rs. 32,000 per month

2. Self-Employed Individuals

  • Age: 21 to 65 years
  • Income: Rs. 32,000 per month (as per ITR)

Rewards and Benefits of SBI Prime Credit Card

The SBI Prime Card is designed to offer numerous rewards and benefits to its users, ranging from welcome bonuses to exclusive travel perks and lifestyle advantages. 

Welcome Bonus

Upon paying the annual fee for the SBI Prime Credit Card, cardholders are rewarded with an e-gift voucher worth Rs.3,000. This voucher can be redeemed for purchases at a variety of outlets and online platforms, including Bata, Marks and Spencer, Hush Puppies, Pantaloons,, and Shoppers Stop.

Reward Points and Milestone Benefits

  • Up to 20X Reward Points: Offers an opportunity to earn up to 20 reward points per Rs. 100 spent, making it one of the market’s most rewarding credit cards. 
  • Milestone Benefits: Includes a Pizza Hut voucher worth Rs. 1,000 for spending Rs. 50,000 quarterly, renewal fee waiver for Rs. 3 lakh annual spends, and a Yatra/Pantaloons voucher worth Rs. 7,000 for Rs. 5 lakh annual spends.

Travel Benefits

  • Trident Privilege Red Tier Membership: Offers 1,000 welcome points upon registration, additional bonus points for the first stay, hotel credits for extended stays, discounts on direct bookings, and points for spending at participating hotels.
  • Complimentary Club Vistara Membership: Includes Silver Membership, an upgrade voucher, and awards 9 CV Points for every Rs. 100 spent on Vistara flights.
  • Complimentary Lounge Access: Provides 4 international and 8 domestic lounge visits per year, significantly enhancing the travel experience.

Other Advantages

  • Dining and Movie Benefits: Earn 5X reward points on movie spends and up to 25% discount at partner restaurants.
  • Golf Benefits: Enjoy complimentary green fees, discounts on golf games, and a monthly golf lesson with the Mastercard variant.
  • Insurance Benefits: Includes a complimentary air accident cover of Rs. 50 lakh, fraud liability cover, and zero liability protection to safeguard against unauthorized transactions.

SBI Prime Credit Card Fees and Interest

Understanding these costs is vital for effective financial planning and managing your card usage efficiently. Discover the essential fees and charges of the SBI Prime Card below: 

Joining FeeRs.2,999
Renewal FeeRs.2,999
Annual Fee (p.a.)Rs.2,999
Late Payment Fee– Rs.0 to Rs.500: No charge
– Above Rs.500 up to Rs.1,000: Rs.400
– Above Rs.1,000 up to Rs.10,000: Rs.750
– Above Rs.10,000 up to Rs.25,000: Rs.950
– Above Rs.25,000 up to Rs.50,000: Rs.1,100
– Above Rs.50,000: Rs.1,300
Foreign Transaction Fee3.50%

Pros & Cons

  • Welcome e-gift voucher worth Rs. 3,000
  • Reward points for dining, movies, and travel expenses
  • Complimentary lounge access and travel memberships
  • Annual fee of Rs. 2,999 plus taxes
  • High eligibility criteria for income

Pros Explained

  • The welcome e-gift voucher immediately offers value, making it appealing for new users looking for upfront benefits.
  • Reward points cater to individuals who spend frequently on dining, movies, and travel, maximizing their returns on these expenses.
  • Complimentary lounge access and travel memberships enhance travel experiences through luxury perks and hotel benefits.
  • Insurance benefits and milestone benefits offer security and reward high spenders with vouchers and fee waivers.

Cons Explained

  • The annual fee may be a significant consideration for those cautious about recurring costs.
  • The high income requirement limits the card’s accessibility, making it suitable primarily for higher-income earners.

Is the SBI Prime Credit Card Worth Considering?

SBI Prime Credit Card review

The SBI Prime Credit Card stands out for individuals who prioritize rewards on their spending and cherish travel and lifestyle benefits. Its broad array of perks, including reward points, insurance coverage, and complimentary travel memberships, make it an attractive proposition for those who can leverage these features. 

Despite the annual fee and income requirements, frequent card usage can outweigh these costs. The SBI Prime Credit Card offers compelling value for eligible high spenders, maximizing returns on everyday spending.


1. What is an SBI Prime Credit Card?

The SBI Prime Credit Card is a premium credit card offering a range of benefits including welcome e-gift vouchers, reward points on various spending categories, complimentary lounge access, and more.

2. How can I apply for an SBI Prime Credit Card?

You can apply for an SBI Prime Credit Card online through the official SBI Card website or by visiting an SBI branch. Ensure you meet the eligibility criteria before applying.

3. How can I activate my SBI Prime Credit Card?

Activate your card by logging into the SBI Card online portal or mobile app, and by calling the SBI Card customer service hotline. Follow the instructions for activation, which may include verifying your card details and setting a PIN.

4. Can I apply for add-on cards on my SBI Prime Credit Card?

Yes, you can apply for add-on cards for your family members (spouse, children, parents, siblings) on your SBI Prime Credit Card. There’s no additional cost for obtaining these cards.

5. How can I pay my SBI Prime Credit Card bill?

Pay your bill online through the SBI Card website, mobile app, net banking, or UPI. You can also make payments at SBI branches or through NEFT/RTGS from other bank accounts.

Related Articles:

Read more: Credit Card Reviews

By FinxpdX Team
By FinxpdX Team
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