SBI Prime Credit Card

SBI Prime Credit Card is a premium credit card which provides lots of reward points and discounts that make it one. The SBI Prime Credit Card offers benefits which are exclusive to it, milestone benefits, a complimentary Trident Privilege Membership and premium security.

  • Sure Card
  • SBI Prime Credit Card
Features Sure CardSBI Prime Credit Card
Features
EligibilityEveryone 18+Salaried Applicant: Between 21-55 years. Self employed applicant: Between 21-70 years.
Approval100%Not guaranteed, not transparent
Joining FeesNILRs. 3538.82 (Rs.2,999 + Rs.539.82 GST)
Annual FeesNILRs. 3538.82 (Rs.2,999 + Rs.539.82 GST) Waiver of Renewal Fee 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Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn or Rs.500 (Both domestic and international)
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 transaction amount
Foreign Currency TransactionNIL 3.50%
Minimum Amount DuePay in Full5% of total outstanding amount
Rewards10 points for every Rs.100/- transaction for everyone, everywhere.10 points for every Rs. 100 spent on dining, groceries, movies and departmental stores. Welcome e-gift voucher of Rs. 3000 from brands like Bata, Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com.
Referral RewardYesYes, but subject to approval
Anniversary RewardYesNo
Birthday RewardYesEnjoy 20 Reward Points per Rs. 100 spent on your birthday
ChargebackSimple online formMail printed and signed form
Privacy and SecurityYour data is not used and not soldSecurity system enabled
CommunityYesNo
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SBI Prime Credit Card vs. SURE Card

The SBI Prime Credit Card offers milestone benefits i.e. a Pizza Hut voucher worth Rs. 1000 on achieving spends of Rs. 50,000 in a calendar quarter and an e-gift voucher of Rs. 7000 from Yatra.com or Pantaloons on achieving annual spends of Rs. 5 lakhs. The SBI Prime Credit Card also provides a complimentary Trident Privilege Red Tier Membership that provides 1000 points to the holders on registration and 1500 points on their first stay and an additional Rs. 1000 hotel credit on extended night stay.

Offering a wide range of rewards, the SBI Prime Credit Card does provide benefits relating to travel to the cardholders. The reward points are distributed across categories. But, the benefits and rewards provided are ideal for travel and stays which are not consistent and therefore, cannot be used on a regular basis in everyday life. On the other hand, SURE offers rewards that can come in great use in daily life without any preconditions.

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