City Union Bank SBI Card PRIME – Benefits, Fees & Eligibility

Introduction

The City Union Bank SBI Card PRIME is a mid-range to premium co-branded credit card offered by SBI Card in partnership with City Union Bank. It is designed to provide a rewarding experience for users with a focus on lifestyle and travel benefits. Key differentiating features include a generous welcome e-Gift Voucher worth Rs. 3,000, comprehensive complimentary lounge access both domestically and internationally, and significant milestone benefits that reward high annual spends.

Welcome Benefits

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

Fees

• Joining Fee: Rs. 2,999 + taxes.
• Renewal Fee (per annum): Rs. 2,999 + taxes, applicable from the second year onwards.
• Spend-Based Waiver: The renewal fee is waived on annual spends of Rs. 3 lakhs.
• Add-on Card Fee (per annum): Nil.
• 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 Fuel Surcharge Waiver: Capped at Rs. 250 per month, per statement cycle (extra service tax as applicable).

Rewards

• Prime Rewards:
  • Get 20 Reward Points on utility bill payment standing instructions.
  • After accumulating 3000 points on utility bill payments, 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.
• 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 for 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:
  • 4 complimentary International Priority Pass Lounge visits per calendar year, valid outside India (maximum 2 visits per quarter).
  • 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.
• Birthday Benefit:
  • Earn 20 Reward Points per Rs. 100 on birthday spends (valid one day before, on, and one day after your birthday).
  • Reward Points for birthday spends are capped at 2,000 per calendar year.
• 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

• Pay your outstanding card bill using reward points, where 4 Reward Points are equivalent to Re. 1.

Important Product Details

• Positive Highlights:
  • Attractive welcome e-Gift voucher of Rs. 3,000 with a choice of popular brands.
  • Extensive complimentary lounge access, including 4 international and 8 domestic visits annually.
  • Accelerated reward points on key spending categories like utility bills, dining, departmental stores, and groceries.
  • Valuable milestone benefits, including a Pizza Hut e-Voucher and a high-value Yatra.com/Pantaloons e-Gift Voucher.
  • Renewal fee waiver on achieving an annual spend target of Rs. 3 lakhs.
  • Complimentary 1-year Club ITC Silver Tier Membership.
  • Special birthday benefits with accelerated reward points.
  • 1% fuel surcharge waiver on transactions within a specified range.
  • Offers from Visa and RuPay networks for travel, car rentals, and shopping.
  • Features like contactless payments, global acceptance, and fraud liability cover enhance convenience and security.
  • Flexible payment options such as Flexipay and Balance Transfer on EMI.
• Negative Highlights:
  • Reward points for utility bill payments are capped at 3000 points at the higher rate, after which the earning rate significantly drops.
  • Birthday reward points are capped at 2,000 per calendar year.
  • The fuel surcharge waiver has a monthly maximum cap of Rs. 250.
  • Complimentary Priority Pass membership is only for primary cardholders and is valid for a limited period of 2 years.

Other Details

• Contactless Advantage:
  • Tap & Pay with ease for effortless everyday payments.
  • Offers fast, convenient, and secure transactions without handing over the card.
  • Visa payWave’s unique security key ensures only one transaction is processed even if tapped multiple times.
• Global Acceptance:
  • Accepted in over 24 million outlets globally, including 3,25,000 outlets in India.
• Fraud Liability Cover:
  • Complimentary credit card fraud liability cover of Rs. 1 lakh.
  • 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 family members (parents, spouse, children, or siblings above 18 years) with add-on cards.
• Balance Transfer on EMI:
  • Transfer outstanding balances of other banks’ credit cards to your SBI Card PRIME at a lower interest rate and repay in easy EMIs.
• Utility Bill Payment Facility:
  • Pay electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility.
• Safe and Secure:
  • Enhanced security against counterfeiting and skimming with the chip and PIN enabled SBI Card PRIME.
• Emergency Card Replacement:
  • Get your SBI Card PRIME replaced anywhere in the world (available for Visa and MasterCard).
  • 24x7 Helpline for emergency card replacement even while traveling abroad.
• General Information:
  • All applicable taxes would be charged on fees, interest, and other charges.
  • As a co-brand product, there may be fee and revenue sharing between SBI Card and City Union Bank.
  • Continued use of the card will be deemed acceptance of any amendments in the Terms and Conditions.
  • For assistance, customers can call the SBI Card helpline at 1860 180 1290 or 39020202 (prefix local STD code).
  • All information is correct as on date and is subject to change at the discretion of SBICPSL.
  • To apply for the card, visit the nearest City Union Bank Branch.