The Spar SBI Card PRIME has been launched by State Bank of India in collaboration with Spar hypermarket. Spar is a brand from the landmark group, basically a supermarket, wherein customers can purchase groceries, household items and other personal care products. All expenses that are incurred using the Spar SBI Card PRIME are rewarded along with extra rewards. 

Spar hypermarket offers its services in India and has been established as a partnership between Max hypermarkets under the Landmark Group and Spar International. It sells and delivers household groceries like fruits, vegetables, meat and poultry products etc. The hypermarket has started its operation in 9 Indian cities up until now. It has fixated on the need for delivery of ‘fresh’ products to all its customers.

  • Sure Card
  • Spar SBI Card PRIME
Features Sure CardSpar SBI Card PRIME
EligibilityEveryone 18+18-60 years age group. Both salaried and self-employed.
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Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500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) on transactions of Rs. 500 - Rs. 4000 Maximum waiver of Rs. 250 per statement cycle per card account
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.12,000 bonus reward points worth Rs. 3000 on payment of annual fees. 15 reward points per Rs. 100 spent at Landmark stores. 10 reward points per Rs. 100 on dining and movies.
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 soldContactless Card
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Spar SBI Card PRIME vs. SURE Card

The Spar SBI Card PRIME provides Cumulative milestone benefit upto 58,000 RP worth Rs. 14,500. The card offers 20,000 bonus points on overall annual retail spends of Rs. 500,000, 12,000 reward points worth Rs. 3000 on payment of renewal fees and Complimentary visits to airport domestic lounge and Priority Pass Membership.

The Spar SBI Card PRIME is preferable for people who are frequent shoppers, especially the ones who shop at Landmark retail and online stores, because this provides great returns in terms of rewards. However, SURE Card provides rewards points that can be earned at any expenditure across multiple stores and categories.

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