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

Introduction

The Central Bank of India SBI Card Prime is a premium credit card offering a wide array of privileges designed to enhance your lifestyle and provide significant value on various spending categories. It comes with valuable welcome benefits, accelerated reward points on popular categories like dining, groceries, and utility bill payments, as well as exclusive milestone benefits and comprehensive lounge access. The card also features robust security measures, global acceptance, and convenience services like Easy Bill Pay and Flexipay.

Welcome Benefits

• Welcome e-Gift Voucher worth Rs. 3,000 from a choice of brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, and Yatra.com.
• An SMS will be sent within 21 working days of annual fees payment to choose from e-Voucher options.
• The chosen e-Voucher will be delivered to your registered mobile number/e-mail ID within 5 days of the request.

Fees

• Joining Fee: Rs. 2,999 + Taxes (one-time).
• Renewal Fee (per annum): Rs. 2,999 + Taxes (from the second year onwards).
• Spend-Based Waiver: Renewal Fee is waived on achieving annual spends of Rs. 3 Lakhs.
• Add-on Fee: NIL.
• Fuel Surcharge: 1% fuel surcharge waiver on transactions ranging from Rs. 500 to Rs. 4,000 across all petrol pumps.
  • Maximum surcharge waiver is capped at Rs. 250 per month, per credit card account (Government Service Tax extra, as applicable).
• All taxes would be charged as applicable on all fees, interest, and charges.

Rewards

• PRIME Rewards
  • Get 20 Reward Points for every Rs. 100 spent on standing instructions for Utility Bill payments.
  • Get 10 Reward Points for every Rs. 100 spent on Dining, Groceries, Departmental stores, and Movies.
  • Earn 2 Reward Points for every Rs. 100 on all other retail spends.
• Milestone Benefits
  • Get a Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter.
    • Pizza Hut e-Voucher will be sent to your registered mobile number within 21 working days of achieving the spend target.
  • Receive an e-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs.
    • An SMS will be sent within 21 working days of achieving Rs. 5 Lakhs spends to choose the e-Gift Voucher option.
• Lounge Access
  • International Priority Pass Lounges: 4 complimentary visits per year (maximum 2 visits per quarter), outside India.
  • Domestic Airport Lounges: 8 complimentary visits per year in India (maximum 2 visits per quarter).
  • Lounge access is valid for Primary Cardholders only.
  • To receive your Priority Pass, call customer helpline: 1860 180 1290 or 39020202 (prefix local STD code).
  • Domestic lounge access is subject to change as per Network partner offers.
• Birthday Benefit
  • Enjoy 20 Reward Points for every Rs. 100 spent on your birthday (one day before, on birthday, and one day after).
  • Reward points on birthday spends are capped at 2,000 Reward Points per calendar year.
• Network Privileges

  • VISA Offers

    • Exclusive benefits across 900 luxury hotels worldwide.
    • Savings of up to 10% on Hertz Car Rental.
    • Savings of up to 35% on Avis Car Rental.
    • Up to 15% off on stays at IHG Hotels and Resorts.

  • RuPay Offers

    • Up to 15% Cashback on Hotels and Flight bookings at MakeMyTrip.
    • Up to 20% off on ZoomCar.
    • Up to 15% off on Shopping at Lifestyle Stores.

Rewards Redemption Guide

• Reward Points: You can pay your card outstanding with Reward Points. 4 Reward Points are equivalent to Rs. 1.
• e-Gift Vouchers (Welcome Benefit):
  • Redeem your e-Gift Voucher by showing the code at physical brand stores such as Bata/Hush Puppies, Pantaloons, and Shoppers Stop.
  • Redeem the code online at the time of purchase for Yatra and Shoppers Stop.
  • Aditya Birla Fashion e-gift vouchers are accepted at Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, and Simon Carter brand stores.

Important Product Details

• Welcome e-Gift Voucher worth Rs. 3,000.
• Accelerated rewards on Utility Bills (20 RP/Rs. 100) and Dining, Groceries, Departmental stores, Movies (10 RP/Rs. 100).
• Milestone e-Vouchers: Pizza Hut worth Rs. 1,000 on quarterly spends of Rs. 50,000 and Yatra.com/Pantaloons worth Rs. 7,000 on annual spends of Rs. 5 Lakhs.
• Renewal Fee waiver on annual spends of Rs. 3 Lakhs.
• Complimentary International (4 visits/year) and Domestic (8 visits/year) lounge access.
• Birthday benefits with 20 Reward Points per Rs. 100 spent (capped at 2,000 RP/year).
• Complimentary Air Accident Liability Cover of Rs. 50 Lakhs (will be discontinued W.e.f 11 Aug’25).
• Complimentary Credit Card Fraud Liability Cover of Rs. 1 Lakh.
• Add-on cards available for family members (parents, spouse, children or siblings - above 18 years of age).
• Card is chip and PIN enabled for enhanced security.
• Offers contactless transaction capability for fast and convenient daily purchases.
• Global acceptance at over 24 million outlets globally, including 3.25 Lakh outlets in India.

Other Details

• Contactless Advantage:
  • Make daily purchases easily by waving your card at a secure reader.
  • Offers fast and convenient transactions, removing the need for cash/coins for small purchases.
  • Enhanced security as the card remains in your hand, reducing risk of loss and skimming.
  • Unique security key feature ensures only one transaction goes through even if waved multiple times.
• Insurance & Cover:
  • Complimentary Air Accident Liability Cover of Rs. 50 Lakhs. Note: This coverage will be discontinued with effect from August 11, 2025.
  • Complimentary Credit Card Fraud Liability Cover of Rs. 1 Lakh. This cover is valid for 48 hours prior to reporting of loss and up to 7 days post reporting of loss.
  • Report loss and initiate claim by calling SBI Card helpline: 1860 180 1290 or 39 02 02 02 (prefix local STD code).
• Global Acceptance:
  • Accepted at over 24 million outlets worldwide, including 3,25,000 outlets in India.
  • Supports payments at any outlet accepting VISA/RuPay Cards.
• Emergency Card Replacement:
  • Facility to get your Central Bank of India SBI Card PRIME replaced anywhere in the world (available for VISA cardholders only).
  • 24x7 helpline for emergency card replacement while travelling abroad.
  • For card loss in India, call 1860 180 1290 or 39 02 02 02 (prefix local STD code).
• Cash on the Go:
  • Withdraw cash from over 1 million VISA/RuPay ATMs globally.
• Safe and Secure:
  • The card is chip and PIN enabled, providing enhanced security against counterfeiting and skimming.
• Easy Bill Pay Facility:
  • Pay electricity, telephone, mobile, and other utility bills using this facility.
• Flexipay:
  • Convert transactions of Rs. 2,500 or more into easy monthly installments.
  • Log onto sbicard.com within 30 days of purchase to convert transactions into Flexipay.
• Balance Transfer on EMI:
  • Transfer outstanding balances from other banks' credit cards to your Central Bank of India SBI Card PRIME at a lower interest rate, payable in EMIs.
  • Access this service via sbicard.com with your user ID and password.
• Co-brand Product: This is a co-brand product, and there may be fee and revenue sharing between SBI Card and the co-brand partner.
• Customer Helpline: For assistance, call SBI Card helpline at: 1860 180 1290 or 39 02 02 02 (prefix local STD code).