SBI Prime Advantage Credit Card

The SBI Prime Advantage Credit Card has been especially geared towards entertainment spheres like shopping, travelling and watching movies at theaters and facilitates all of these. Apart from this, there are additional benefits like lounge access, reward points, welcome bonus, birthday awards etc.

  • Sure Card
  • SBI Prime Advantage Credit Card
Features Sure CardSBI Prime Advantage Credit Card
Features
EligibilityEveryone 18+Salaried employees between 21 to 70 years. Self-employed people between 25 to 70 years. Required monthly income over Rs. 75,000.
Approval100%Not guaranteed, not transparent
Joining FeesNILRs. 3538.82 (Rs. 2999 + 18% GST)
Annual FeesNILRs. 3538.82 (Rs. 2999 + 18% GST)
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Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500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.Welcome e-gift voucher from: Bata/Hush Puppies, Pantaloons, Shoppers Stop and Yatra.com. 20 Reward Points per Rs.100 spent on standing instructions of Utility Bills payments, with a capping of 3,000 Reward Points per month. 10 Reward Points per Rs.100 spent on Dining, Departmental stores, Grocery & Movie spends. Pizza Hut e-Voucher worth Rs. 1,000 on spending of Rs. 50,000 in a calendar quarter. Annual Fee waiver on annual spending of Rs. 3 lakh. E gift voucher worth Rs, 7000 from Pantaloons or Yatra.com on achieving annual spending of Rs. 5 lakh. Trident Privilege Membership. Club Vistara Membership. Lounge Access.
Referral RewardYesYes, but subject to approval
Anniversary RewardYesNo
Birthday RewardYesYes 20 Reward Points per Rs.100 spent on Birthday, Reward points on Birthday spends (one day before, on birthday and one day after) is capped at 2000 Reward points per calendar year
ChargebackSimple online formMail printed and signed form
Privacy and SecurityYour data is not used and not soldContactless Card. Complimentary Air Accident Liability Cover of Rs. 50 lakh. Complimentary Credit Card Fraud Liability Cover of Rs. 1 lakh.
CommunityYesNo
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SBI Prime Advantage Credit Card vs. SURE Card

The SBI Prime Advantage Credit Card can be used for major forms of entertainment accessibility and gives great returns too. However, the SBI Prime Advantage Credit Card must only be used if you find the annual fee payment to be suitable and are a heavy spender on these purchases. If not, the card is not the most suitable one for you.

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