PSB SBI PRIME Credit Card
SBI Bank (PSB Partnership)
Last updated: Feb 03, 2026
₹2,999
₹2,999
2%
10 visits/yr
Contents
PSB SBI PRIME is a premium rewards card aimed at frequent spenders who want high reward rates on dining, groceries and entertainment. It includes lounge access and attractive welcome and milestone benefits. Best for users who value reward points and periodic gift vouchers.
Features of PSB SBI PRIME Credit Card which makes it unique
Milestone Rewards
Spend-based gift vouchers and benefits
Extra value for higher spenders
Competitive for mid-to-high spend segments
Birthday Boost
Higher rewards on birthday spends
More reward points for birthday transactions
Better than many base-only cards
Rewards Structure of PSB SBI PRIME Credit Card
Dining, Groceries, Departmental Stores & Movies
acceleratedDining, groceries, departmental stores and movies
Premium categories earn 10 pts per ₹100 spent
Base
baseStandard earn rate on non-accelerated categories.
Birthday Spend
acceleratedSpends one day before, on, and one day after birthday.
Special boost for birthday spends.
Utility Bills
acceleratedStanding instructions of utility bill payments
Earn high points on utility payment standing instructions.
Milestones of PSB SBI PRIME Credit Card
Spend-linked Gift Vouchers
₹50,000+ (check issuer slab) : E-gift vouchers worth up to ₹11,000 annually (spend-linked)
Fees & Charges of PSB SBI PRIME Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee applies; check issuer's milestone/waiver criteria for possible waivers.
Fee Explanation Standard issuer fees and taxes apply on charges and late payments; refer to bank T&C for details.
Detailed Explanation of PSB SBI PRIME Credit Card Fees
Annual Fee: 2999 (yearly)
Standard joining/renewal fee; subject to waiver on specified annual spends per issuer.
Cash Advance Fee: 2.5% (transaction)
Minimum charge as per issuer T&C.
Lounge Access Benefits with PSB SBI PRIME Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: Yes
Typically 2 complimentary domestic visits every quarter; unutilised visits may lapse each quarter.
international Lounges
silverVisits per year: 2
Guest access: Yes
International lounge access subject to Priority Pass issuance and issuer terms.
Insurance Coverage with PSB SBI PRIME Credit Card
Travel insurance
VariesSubject to issuer T&C; check card-specific policy documents.
Purchase protection
VariesTypically valid for a fixed period after purchase; refer to issuer for limits.
Additional Features of PSB SBI PRIME Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 add-on cards available (subject to issuer)
Welcome Bonus with PSB SBI PRIME Credit Card
Welcome Bonus: Rs.3,000 Gift voucher & 2,000 activation bonus
Bonus Conditions: Welcome voucher and activation points subject to joining fee payment and activation conditions as per issuer.
Application Process for PSB SBI PRIME Credit Card
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via issuer portal or partner bank page
Upload KYC and income documents
Receive verification call or email
Card dispatched within the standard processing time
Required Documents for PSB SBI PRIME Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
PSB SBI PRIME Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where network is supported
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for PSB SBI PRIME Credit Card
Quick Eligibility Check
Minimum Age
18+
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
- Customer must complete KYC; PAN/Aadhaar may be required as per bank policy.
How Approval Is Decided
- Minimum income as per issuer slabs
- Indian resident
- Satisfactory credit score and KYC
Pros of PSB SBI PRIME Credit Card
- Strong reward rates on key categories
- Meaningful welcome and milestone benefits
- Airport lounge access for frequent travellers
Cons of PSB SBI PRIME Credit Card
- Relatively high annual fee
- Reward redemption value may be modest depending on redemption route
Frequently Asked Questions about PSB SBI PRIME Credit Card
Can I add family members?
Yes — add-on cards are usually available (up to 3), subject to issuer approval and terms.
Is there a joining fee?
Yes. The joining/annual fee is ₹2,999 plus applicable taxes; welcome voucher and activation bonus apply on joining.
What are the welcome benefits?
New cardholders typically receive an e-gift voucher worth around ₹3,000 and activation bonus points; exact offers vary by co-brand and campaign.
How many lounge visits are included?
Typically 2 complimentary domestic lounge visits per quarter (8 visits/year). International lounge access may be via Priority Pass where applicable.
What is the rewards earning structure?
Earn accelerated points (eg. 10 pts/₹100) on dining, groceries and movies; 2 pts/₹100 on other retail spends (check issuer T&C for exclusions).
How can I waive the annual fee?
Some issuers offer fee waivers or partial benefits based on annual spends or milestone targets; check the issuing bank’s detailed T&C for exact waiver slabs.
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