City Union Bank SBI PRIME Credit Card
SBI Bank (in partnership with City Union Bank)
Last updated: Feb 03, 2026
₹2,999
₹2,999
1.99%
2 visits/yr
Contents
City Union Bank SBI Card PRIME is a premium lifestyle credit card offering attractive welcome gifts, accelerated reward points, lounge access and milestone benefits. It suits consumers who spend on utilities, dining and retail and want a feature-rich card with travel and lifestyle perks. The card includes partner vouchers and milestone rewards that offset the annual fee for active users.
Features of City Union Bank SBI PRIME Credit Card which makes it unique
PRIME Rewards
Accelerated rewards and milestone e-vouchers
Higher points on utilities and select categories
Better utility rewards vs standard cards
Rewards Structure of City Union Bank SBI PRIME Credit Card
Utilities
acceleratedUtility bill payments and standing instructions
High earn rate on utility payments and recurring bills.
Dining
acceleratedDining, movies, groceries and departmental stores
Bonus points on lifestyle categories such as dining and entertainment.
Base
baseAll other retail spends (non-fuel)
Standard earn rate on general retail transactions.
Milestones of City Union Bank SBI PRIME Credit Card
Quarterly Milestone
₹50,000 : Pizza Hut e-voucher (or equivalent) as per bank communication
Annual Milestone
₹5,00,000 : Choose e-gift vouchers (Yatra / Shoppers Stop / Pantaloons) as per terms
Fees & Charges of City Union Bank SBI PRIME Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | 3% |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Standard renewal; fee may be offset by welcome voucher or milestone benefits as per bank terms.
Fee Explanation Fees and charges follow City Union Bank / SBI Card published schedule; GST and taxes extra where applicable.
Detailed Explanation of City Union Bank SBI PRIME Credit Card Fees
Annual Fee: 2999 (yearly)
Standard annual fee; may be offset by welcome voucher or milestone offers.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹500 for cash withdrawals at ATMs.
Lounge Access Benefits with City Union Bank SBI PRIME Credit Card
domestic Lounges
silverVisits per year: 2
Guest access: No
Lounge access subject to bank terms and partner network availability.
Insurance Coverage with City Union Bank SBI PRIME Credit Card
Card-related insurance
VariesInsurance benefits (if any) depend on the variant and bank announcements.
Additional Features of City Union Bank SBI PRIME Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Add-on cards available as per bank policy
Welcome Bonus with City Union Bank SBI PRIME Credit Card
Welcome Bonus: ₹3,000 gift voucher
Bonus Conditions: Welcome e-gift voucher (worth ₹3,000) issued on successful joining; redemption terms depend on partner brand.
Application Process for City Union Bank SBI PRIME Credit Card
Processing Time
7-14 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via bank / SBI Card portal
Upload KYC documents
Receive verification call
Card dispatched within 7-14 days
Required Documents for City Union Bank SBI PRIME Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
City Union Bank SBI PRIME Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for City Union Bank 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
- Indian resident with valid KYC documents; specific eligibility subject to bank verification.
How Approval Is Decided
- Minimum income as per bank norms
- Indian resident
- Credit score generally above 700
Pros of City Union Bank SBI PRIME Credit Card
- Attractive welcome voucher and milestone rewards
- High earn rate on utilities
- Complimentary lounge access on select plans
Cons of City Union Bank SBI PRIME Credit Card
- High annual fee (₹2,999)
- Reward redemptions follow partner T&C and may require minimum points
Frequently Asked Questions about City Union Bank SBI PRIME Credit Card
What is the welcome benefit?
A one-time ₹3,000 e-gift voucher redeemable at select partner brands on successful joining.
What is the annual fee and is it waivable?
The annual fee is ₹2,999; certain offers, vouchers or milestone benefits may effectively offset the fee.
How many reward points do I earn on utilities?
You earn accelerated reward points on utility bill payments; refer to bank T&C for exact eligibility and rates.
Is there a fuel surcharge waiver?
Yes, 1% fuel surcharge waiver on transactions between ₹500–₹4,000 subject to a monthly cap as per bank terms.
How do I redeem reward points?
Reward points can be redeemed for e-gift vouchers, statement credit or partner redemptions via the SBI Card portal following redemption rules.
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