South Indian Bank SBI Card PRIME credit card
South Indian Bank (in association with SBI Card)
Last updated: Feb 03, 2026
₹2,999
₹2,999
3.5%
12 visits/yr
Contents
The South Indian Bank SBI Card PRIME is a premium lifestyle credit card designed to deliver top-tier rewards, travel benefits, and savings on everyday spending. Enjoy accelerated rewards for dining, groceries, movies, and department stores. Avail exclusive privileges like complimentary airport lounge access, milestone rewards, and a generous welcome bonus for new cardholders. Plus, access insurance cover, surcharge waivers, and easy EMI options for seamless financial management.
Features of South Indian Bank SBI Card PRIME credit card which makes it unique
Spend Analyzer
Track your monthly expenses by category
Budget effectively using AI insights
Superior to manual tracking
Smart EMI
Convert transactions to EMI at checkout
Flexible repayment and budgeting
Instant online conversion
Rewards Structure of South Indian Bank SBI Card PRIME credit card
Dining
acceleratedRestaurants, department stores, groceries, movies
Birthday
baseBirthday month spends
Base
baseAll other retail purchases
Milestones of South Indian Bank SBI Card PRIME credit card
Quarterly Pizza Hut Voucher
₹50,000 : ₹1,000 Pizza Hut voucher
Annual Milestone
₹3,00,000 : Annual fee waiver + Bonus voucher
Fees & Charges of South Indian Bank SBI Card PRIME credit card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived on ₹3,00,000 spends in a card year.
Fee Explanation Standard SBI Card rates for overdue amounts and transactions apply.
Detailed Explanation of South Indian Bank SBI Card PRIME credit card Fees
Annual Fee: 2999 (yearly)
Waived on ₹3L annual spend
Cash Advance Fee: 2.5% (transaction)
min ₹500
Lounge Access Benefits with South Indian Bank SBI Card PRIME credit card
domestic Lounges
silverVisits per year: 8
Guest access: No
Valid at select lounges
international Lounges
silverVisits per year: 4
Guest access: No
Valid at select international lounges
Insurance Coverage with South Indian Bank SBI Card PRIME credit card
Air Accident Insurance
₹50,00,000Domestic and international flights
Lost Card Liability
₹1,00,000Fraud and loss protection
Additional Features of South Indian Bank SBI Card PRIME credit card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 free add-on cards
Welcome Bonus with South Indian Bank SBI Card PRIME credit card
Welcome Bonus: voucher worth ₹3,000
Bonus Conditions: Voucher issued after card activation and joining fee payment. Valid for new cardholders only.
Application Process for South Indian Bank SBI Card PRIME credit card
Processing Time
7-10 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via Finanjo or SBI Card portal
Upload KYC and income documents
Receive verification call or video KYC
Card dispatched within 7-10 days after approval
Required Documents for South Indian Bank SBI Card PRIME credit card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
South Indian Bank SBI Card PRIME credit card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India at all POS and online merchants
International Acceptance
Accepted globally with Visa network
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for South Indian Bank SBI Card PRIME credit card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹32,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Must have valid PAN and Aadhaar card.
How Approval Is Decided
- Minimum income ₹32,000/month (salaried); ₹40,000/month (self-employed)
- Indian citizenship with valid KYC
- Credit score of 700+
Pros of South Indian Bank SBI Card PRIME credit card
- Outstanding reward structure and milestone bonuses
- Free airport lounge visits
- Valuable welcome vouchers from top brands
- Easy eligibility and quick online approval
Cons of South Indian Bank SBI Card PRIME credit card
- High annual and joining fee
- Fuel rewards capped at ₹250 monthly
Frequently Asked Questions about South Indian Bank SBI Card PRIME credit card
Is there a joining fee?
Yes, ₹2,999, payable after card issuance. Welcome voucher provided post fee payment.
What are the annual fee waiver conditions?
Spend ₹3,00,000 in a card year to get the renewal fee waived.
What is the reward rate on popular categories?
Get 10 points per ₹100 spent on dining, groceries, department stores, and movies.
What are the lounge access privileges?
Enjoy 8 domestic and 4 international airport lounge visits every year for free.
How do I convert purchases to EMI?
Use the card’s Smart EMI feature at checkout or via the SBI Card app. Approval is instant.
Can I add family members to my card?
Yes, up to three free add-on cards are available for family.
Which mobile wallets are supported?
Compatible with Google Pay, PhonePe, Paytm and Amazon Pay.
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