SBI Card Prime Business

SBI Card Prime Business happens to be one of the best rewards credit cards that you can have. It offers privileges and benefits across multiple categories like utility bills, travel bookings, shopping etc. The SBI Card Prime Business offers extra rewards points for dining, grocery purchases, buys from departmental stores and more.

  • Sure Card
  • SBI Card Prime Business
Features Sure CardSBI Card Prime Business
Features
EligibilityEveryone 18+Generally for the self-employed or business owners.
Approval100%Not guaranteed, not transparent
Joining FeesNILRs. 3538.82 (Rs. 2999 + 18% GST)
Annual FeesNILRs. 3538.82 (Rs. 2999 + 18% GST) Waived off on annual spends of Rs. 3 lakhs
Interest Rate10-14%Upto 3.50% per month (42% per annum)
Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500
Over-limit ChargesNo over-limit transactions2.5% of the overlimit amount; minimum of Rs. 600
Late payment chargesNILFrom Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Card replacement feeNILRs. 100 to Rs. 250
Fuel SurchargeNIL1% of purchase amount. 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) for single transaction spends between Rs. 500 and Rs. 3000
Foreign Currency TransactionNIL 3.50%
Minimum Amount DuePay in Full5% of total outstanding amount Minimum of Rs.200 + applicable taxes
Rewards10 points for every Rs.100/- transaction for everyone, everywhere.10 Reward Points per Rs.100 spent on Dining, Utility Bills payments and Office supplies. 2 Reward Points per Rs. 100 on all other retail spends except fuel. Welcome e-gift Voucher worth Rs. 3,000 from Yatra for Business on payment of joining fees. Complimentary Club Vistara Silver membership. Complimentary access to International Priority Pass Lounges and Mastercard Lounges in India. 10 reward points (5X) per INR 100 on all spends at Metro Cash & Carry stores. 750 off on Flight bookings above INR 6000, once in a quarter and 20% off on Hotel bookings, once in a quarter.
Referral RewardYesYes, but subject to approval
Anniversary RewardYesNo
Birthday RewardYesNo
ChargebackSimple online formMail printed and signed form
Privacy and SecurityYour data is not used and not soldEnhanced security against counterfeiting and skimming with the chip and pin enabled card.
CommunityYesNo
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SBI Card Prime Business vs. SURE Card

The SBI Card Prime Business offers milestone benefits in the form of an E-Gift Voucher worth Rs. 7,000 from Yatra for Business on achieving annual spends of Rs. 5 Lakhs. Under the International Priority Pass Lounge Access, it offers 4 visits per year, 2 in a quarter. For Mastercard Lounge Access in India, it provides 8 complimentary visits per year, maximum 2 visits per quarter. The SBI Card Prime Business also gives a complimentary Club Vistara Silver membership under which, the member gets 1 complimentary lounge access voucher and an upgrade voucher. The member also earns 9 Club Vistara Points for every Rs. 100 spent on Vistara flights.

SBI Card Prime Business offers premium benefits to the cardholder and charges a relatively lower annual fee for the same. However, it still charges an annual fee along with the applicable GST charges, while SURE card provides reward points to the customers that can be used across multiple categories, without charging any annual or joining fee for the same.

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