Central Bank of India SBI Card Prime – Benefits, Fees & Eligibility

Introduction

The Central Bank of India SBI Card Prime is a mid-to-premium lifestyle credit card issued by Central Bank of India in partnership with SBI Card. It is designed to offer a rewarding experience with a focus on prime rewards, lounge access, and exclusive privileges. Key differentiating benefits include a welcome e-Gift Voucher worth Rs. 3,000, complimentary international and domestic airport lounge visits, and accelerated reward points on various spending categories.

Welcome Benefits

• Welcome e-Gift voucher worth Rs. 3,000.
• Choose the welcome e-Gift voucher from an array of travel and lifestyle brands: Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop.
• Complimentary membership to the Priority Pass Program, valued at $99.
• Complimentary 1-year Club ITC Silver Tier Membership.

Fees

• Joining Fee (one-time): Rs. 2,999 + taxes.
• Renewal Fee (per annum): Rs. 2,999 + taxes, applicable from the second year onwards.
• Add-on Card Fee (per annum): Nil.
• Spend-Based Waiver: The renewal fee is waived on annual spends of Rs. 3 lakhs.
• Fuel Surcharge: Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 4,000 at all petrol pumps across India.
  • Maximum surcharge waiver is capped at Rs. 250 per month, per statement cycle.
  • Extra service tax is applicable on the fuel surcharge.

Rewards

• Prime Rewards

  • Earn 20 Reward Points on utility bill payment standing instructions. After accumulating 3000 points, earn 2 Reward Points for every Rs. 100 spent on utility bills.
  • Get 10 Reward Points on dining, departmental stores, and grocery spends.
  • Earn 2 Reward Points per Rs. 100 on all other retail spends, except fuel.
  • Birthday Benefit: Earn 20 Reward Points per Rs. 100 on birthday spends. This is valid one day before, on, and one day after your birthday.
    • Reward Points for birthday spends are capped at 2,000 per calendar year.

• Milestone Benefits

  • Earn a Pizza Hut e-Voucher worth Rs. 1,000 on quarterly spends of Rs. 50,000 (Prime Pro cardholders receive a voucher worth Rs. 500 on the same spends).
  • Receive an E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on annual spends of Rs. 5 lakhs.

• Lounge Benefits

  • Complimentary membership to the Priority Pass Program worth $99.
  • Receive 4 complimentary International Priority Pass Lounge visits per calendar year, valid outside India (maximum 2 visits per quarter).
  • Enjoy 8 complimentary domestic airport lounge visits per calendar year (maximum 2 visits per quarter).
  • Only Primary Cardholders are eligible for Priority Pass, and the complimentary membership is valid for 2 years.

• ITC Silver Tier Membership

  • Complimentary 1-year Club ITC Silver Tier Membership.

• Network Privileges

  • Visa Privileges:
    • Savings of up to 10% on Hertz car rental and up to 35% on Avis Car Rentals.
    • Exclusive benefits across 900 luxury hotels worldwide.
  • RuPay Privileges:
    • Up to 15% Cashback on Hotels and Flight bookings via MakeMyTrip.
    • Up to 20% off on ZoomCar.
    • Up to 15% off on Shopping at Lifestyle Stores.

Rewards Redemption Guide

• You can pay your outstanding card bill using reward points.
• The redemption value is 4 Reward Points = Re. 1.

Card Eligibility Criteria

• To apply for the Central Bank of India SBI Card Prime, visit the nearest Central Bank of India Branch.

Important Product Details

• Contactless Advantage: Tap & Pay feature allows for effortless, fast, convenient, and secure everyday payments. Your card remains in your hand, reducing fraud risk, and Visa payWave's unique security key ensures only one transaction is processed even if tapped multiple times.
• Global Acceptance: The card is accepted in over 24 million outlets globally, including 3,25,000 outlets in India.
• Fraud Liability Cover: Enjoy a complimentary credit card fraud liability cover of Rs. 1 lakh. This coverage applies from 48 hours before reporting the loss up to 7 days after reporting.
• Cash Access Across the World: Withdraw cash from over 1 million Visa, Mastercard, and American Express ATMs across the globe.
• Flexipay: Convert eligible purchases of Rs. 2,500 or more into easy monthly EMIs.
• Add-on Cards: Empower your family members (parents, spouse, children, or siblings above 18 years of age) with add-on cards.
• Balance Transfer on EMI: Save money on credit card repayments by transferring outstanding balances from other banks’ credit cards to your SBI Card Prime at a lower interest rate, repayable in easy EMIs.
• Utility Bill Payment Facility: Pay your electricity, telephone, mobile, and other utility bills conveniently using the Easy Bill Pay facility.
• Safe and Secure: The card is chip and PIN enabled, providing enhanced security against counterfeiting and skimming.
• Emergency Card Replacement: Get your SBI Card Prime replaced anywhere in the world (available for Visa and MasterCard). A 24x7 helpline is available for emergency card replacement, even while traveling abroad.

Other Details

• For detailed Terms & Conditions regarding the ITC Silver Tier Membership, refer to the provided link on the bank's website.
• For comprehensive information regarding fees and other applicable charges, please refer to the Most Important Terms & Conditions document.
• For a list of eligible lounges for domestic airport access, visit the provided link.
• For more information about Priority Pass member lounges, visit the Priority Pass website.
• Network offers provided by Visa and RuPay are governed by their respective Terms & Conditions.
• Customer helpline numbers for Priority Pass are 1860 180 1290 or 39020202 (prefix Local STD code).
• In case your card is lost in India, call 39 02 02 02 (prefix local STD code) or 1860 180 1290.
• Visa helpline numbers for emergency card replacement abroad are available via a provided link.
• Additional documents such as the Digital Membership Kit, Order of Payment Settlement, Most Important Terms & Conditions, and general Terms & Conditions are available for reference.