Is there a joining or welcome bonus?

Yes — an e-gift voucher worth ₹3,000 is provided on payment of the annual fee.

What is the annual fee and can it be waived?

Annual fee is ₹2,999; it can be waived on annual spends of ₹3,00,000.

How many lounge visits are included?

8 domestic lounge visits and 4 international Priority Pass visits per year (subject to max 2 per quarter).

What are the reward point earn rates?

Utility autopay: 20 RP/₹100 (capped); Dining/Grocery/Movies: 10 RP/₹100; Others: 2 RP/₹100.

Can I convert large purchases to EMI?

Yes — Flexipay lets you convert eligible transactions to monthly instalments.

What documents are required to apply?

PAN (or Form 60), Aadhaar, income proof (if applicable), address proof and ID proof as per bank requirements.

Credit Cards/SBI Bank/ SBI PRIME Credit Card

SBI PRIME Credit Card

SBI Bank

Last updated: Feb 03, 2026

fuelgroceryrestaurantse-commerce

Annual Fee

₹2,999

Joining Fee

₹2,999

Forex Fee

3.5%

Lounge Access

12 visits/yr

SBI Card PRIME is a premium lifestyle and rewards card that combines high earn rates on lifestyle spends with airport lounge access and milestone benefits. It suits frequent shoppers and travellers seeking a blend of rewards and travel perks. The card includes Flexipay/EMI conversion and priority travel memberships.

Features of SBI PRIME Credit Card which makes it unique

Priority Pass Membership

Complimentary Priority Pass for international lounges

International lounge access

Competitive in segment

Milestone Vouchers

Quarterly and annual milestone gift vouchers

Extra value for high spenders

Good upsides for big spenders

Rewards Structure of SBI PRIME Credit Card

Utility Bills (Standing Instruction)

accelerated

Autopay for utility bills

Reward Rate:20 RP/₹100

Monthly Cap:3,000 RP/month

Highest earn for utility autopay

Dining

accelerated

Restaurants and dining

Reward Rate:10 RP/₹100

Monthly Cap:no

Accelerated earn on dining

Grocery & Departmental Stores

accelerated

Supermarkets, departmental stores

Reward Rate:10 RP/₹100

Monthly Cap:no

Earn 10 RP/₹100

Movies

accelerated

Cinema purchases

Reward Rate:10 RP/₹100

Monthly Cap:no

Earn 10 RP/₹100 on movies

Others

base

All other merchants (excl. fuel)

Reward Rate:2 RP/₹100

Monthly Cap:no

Base earn rate

Milestones of SBI PRIME Credit Card

Quarterly Spend Reward

₹50,000 : E-gift voucher (brands vary)

Annual Spend Reward

₹5,00,000 : Premium gift vouchers or credits

Fees & Charges of SBI 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	₹500
Cash Withdrawal Fee	3%

Renewal Conditions:Renewal fee waived on annual spends of ₹3,00,000 or more.

Fee Explanation Standard fees and charges apply as per SBI Card terms; foreign currency transactions attract forex markup and applicable taxes.

Detailed Explanation of SBI PRIME Credit Card Fees

Annual Fee: 2999 (yearly)

Waived on ₹3L annual spend

Cash Advance Fee: 2.5% (transaction)

min ₹500 or as per bank policy

Foreign Currency Markup: 3.50% (transaction)

Plus applicable taxes

Lounge Access Benefits with SBI PRIME Credit Card

domestic Lounges

silver

Visits per year: 8

Guest access: No

Max 2 visits per quarter

international Lounges

silver

Visits per year: 4

Guest access: Yes

Max 2 visits per quarter via Priority Pass

Insurance Coverage with SBI PRIME Credit Card

purchase protection

Varies

Subject to specific merchant and product T&Cs

travel insurance

Varies

As per card terms (check bank policy)

Additional Features of SBI PRIME Credit Card

Flexipay

Convert large purchases into EMIs

Transactions above set minimum

Add-on Cards

Up to 2 add-on cards

Welcome Bonus with SBI PRIME Credit Card

Welcome Bonus: Gift voucher worth ₹3,000
Bonus Conditions: Given on payment of the annual fee. Redeemable at partner brands (Bata, Pantaloons, Hush Puppies, Shoppers Stop, Yatra) after selection via SMS; voucher delivery within a few days of selection.

Application Process for SBI PRIME Credit Card

Processing Time

5-21 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via the bank portal or partner site

Upload KYC and income documents

Receive verification call and document pick-up (if needed)

Card dispatched within stated processing time after approval

Required Documents for SBI PRIME Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

if applicable

Accepted documents:

Payslip Form 16 ITR