Central Bank of India SBI PRIME Credit Card
SBI Bank (in partnership with Central Bank of India)
Last updated: Feb 03, 2026
₹2,999
₹2,999
1.99%
12 visits/yr
Contents
The Central Bank of India SBI PRIME Card is a lifestyle and rewards card aimed at frequent travellers and shoppers. It offers generous e-gift welcome benefits, accelerated reward points on utilities, dining and groceries, and airport lounge access. The card also includes milestone e-vouchers and fraud/accident covers for added protection.
Features of Central Bank of India SBI PRIME Credit Card which makes it unique
High Utility Rewards
Significantly higher points on standing instruction utility payments
Better returns on regular household bills
Higher than many standard reward cards
Rewards Structure of Central Bank of India SBI PRIME Credit Card
Base
baseMilestones of Central Bank of India SBI PRIME Credit Card
Quarterly Milestone
₹50,000 : Pizza Hut e-voucher worth ₹1,000
Annual Spend Milestone
₹5,00,000 : E-gift voucher worth ₹7,000 (Yatra/Pantaloons)
Fees & Charges of Central Bank of India SBI PRIME Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Renewal fee waived on annual spends of ₹3,00,000.
Fee Explanation All fees and charges are subject to applicable taxes. See card T&C for complete fee schedule.
Detailed Explanation of Central Bank of India SBI PRIME Credit Card Fees
Annual Fee: 2,999 (yearly)
Waived on ₹3,00,000 annual spend.
Renewal Fee: 2,999 (yearly)
Waived on ₹3,00,000 annual spend.
Fuel Surcharge: 1% (transaction)
Applicable on transactions ₹500–₹4,000; max waiver ₹250 per statement month.
Lounge Access Benefits with Central Bank of India SBI PRIME Credit Card
international Lounges
silverVisits per year: 4
Guest access: No
Maximum 2 visits per quarter. Primary cardholder only.
domestic Lounges
silverVisits per year: 8
Guest access: No
Maximum 2 visits per quarter. Primary cardholder only.
Insurance Coverage with Central Bank of India SBI PRIME Credit Card
Air Accident Cover
₹50,00,000Subject to T&Cs; insurance offering may change per issuer notice.
Fraud Liability Cover
₹1,00,000Valid as per card terms for reported loss window.
Additional Features of Central Bank of India SBI PRIME Credit Card
Contactless Payments
Tap and pay enabled via Visa/RuPay contactless protocols
Add-on Cards
Up to 3 add-on cards permitted
Add-on cardholder must be above 18 years.
Welcome Bonus with Central Bank of India SBI PRIME Credit Card
Welcome Bonus: Welcome gift voucher worth ₹3,000
Bonus Conditions: E-voucher selection SMS sent within 21 working days of annual fee payment. Voucher delivered within 5 days of request; T&Cs apply.
Application Process for Central Bank of India SBI PRIME Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Upload KYC documents
Receive verification call
Card dispatched as per processing timelines
Apply online via SBI Card portal or partner bank channel
Required Documents for Central Bank of India SBI PRIME Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Central Bank of India SBI PRIME Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally at Visa/RuPay outlets
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Central Bank of India SBI PRIME Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be an Indian resident with valid PAN and Aadhaar details.
How Approval Is Decided
- Minimum age 21 years
- Indian resident
- Satisfactory credit profile (typically 700+)
Pros of Central Bank of India SBI PRIME Credit Card
- Strong accelerated rewards for utilities, dining and groceries
- Attractive milestone vouchers
- Complimentary lounge access
Cons of Central Bank of India SBI PRIME Credit Card
- Relatively high annual fee
- Some benefits require high annual spends to unlock waivers
Frequently Asked Questions about Central Bank of India SBI PRIME Credit Card
What is the welcome bonus?
Welcome e-gift voucher worth ₹3,000 available upon payment of the annual fee; selection via SMS within 21 working days.
How do I earn PRIME reward points?
20 pts/₹100 on standing instruction utility payments; 10 pts/₹100 on dining, groceries, movies and department stores; 2 pts/₹100 on other retail spends.
Is there lounge access with this card?
Yes — 4 international Priority Pass visits and 8 domestic lounge visits per year (subject to T&Cs and maximum per quarter).
When is the annual fee waived?
Renewal fee is waived on annual spends of ₹3,00,000 as specified in the card T&Cs.
What insurance covers are provided?
Complimentary air accident cover (subject to change) and credit card fraud liability cover as per card terms.
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