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

Introduction

The City Union Bank SBI Card PRIME is a premium credit card offering a comprehensive suite of privileges designed for a rewarding experience. Cardholders can enjoy a valuable welcome e-Gift Voucher, accelerated reward points on everyday spending categories like utility bills, dining, groceries, departmental stores, and movies, along with significant milestone benefits. It also provides exclusive access to domestic and international airport lounges, special birthday rewards, and robust insurance coverage, making it a well-rounded option for those seeking enhanced benefits across various aspects of their lifestyle.

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 to choose from e-Voucher options within 21 working days of annual fees payment.
• The e-Voucher will be sent to your registered mobile number/e-mail ID within 5 days of the request.
• e-Gift Vouchers can be redeemed by showing the code at Bata/Hush Puppies, Pantaloons, and Shoppers Stop brand stores.
• Online redemption is available 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.

Fees

• Annual Fee (one-time): Rs. 2,999 + Taxes
• Renewal Fee (per annum): Rs. 2,999 + Taxes from the second year onwards.
• Spend-Based Waiver: Renewal fee waiver on annual spends of Rs. 3 Lakhs.
• Add-on Fee (per annum): NIL
• Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions ranging from Rs. 500 to Rs. 4,000 across all petrol pumps.
  • Maximum surcharge waiver of Rs. 250 per month, per credit card account.
  • Government Service Tax will be extra, as applicable.

Rewards

• Reward Points Earning
  • Get 20 Reward Points per Rs. 100 spent on standing instructions for Utility Bills payments.
  • Get 10 Reward Points per Rs. 100 spent on Dining, Groceries, Departmental stores, and Movies.
  • Earn 2 Reward Points per Rs. 100 on all other retail spends.
  • Birthday Benefit: Enjoy 20 Reward Points per Rs. 100 spent on your birthday (including one day before and one day after your birthday).
    • Reward points on birthday spends are capped at 2000 Reward points per calendar year.
• Milestone Benefits
  • Get a Pizza Hut e-Voucher worth Rs. 1,000 on achieving milestone 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 milestone spends.
  • Receive an e-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs.
    • For Yatra.com/Pantaloons, an SMS will be sent to choose the e-Gift Voucher option within 21 working days of achieving annual spends.
• Lounge Access
  • 4 complimentary visits per year to International Priority Pass Lounges, outside India (maximum 2 visits per quarter).
  • 8 complimentary visits per year to Domestic Airport Lounges in India (maximum 2 visits per quarter).
  • Offer is valid for Primary Cardholders only.
  • To receive your Priority Pass, call the customer helpline: 1860 180 1290 or 39020202 (prefix Local STD code).
  • Domestic lounge access offer is provided by Network partners and is subject to change.
• Insurance
  • Complimentary Air Accident Liability Cover of Rs. 50 Lakhs (Terms & Conditions Apply).
    • Note: This complimentary Air Accident Insurance coverage will be discontinued effective 11 August 2025.
  • Complimentary credit card Fraud Liability Cover of Rs. 1 lakh.
    • This cover is valid for a period of 48 hours prior to reporting of loss, to 7 days post reporting of loss.
    • Call SBI Card helpline to report loss & initiate claim: 1860 180 1290 or 39 02 02 02 (prefix local STD code).
• 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.
• Network Privileges (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

• You can pay your card outstanding with Reward Points.
• The redemption value is 4 Reward Points = Rs. 1.

Important Product Details

• Contactless Advantage
  • Daily purchases are made easy by simply waving your card at a secure reader to transact.
  • Offers fast and convenient transactions, eliminating the need to hand over your credit card or search for cash/coins for small everyday purchases.
  • Enhanced security: The card never leaves your hand during a contactless transaction, significantly reducing the risk of card loss and fraud due to skimming.
  • The unique security key feature of Visa payWave/RuPay contactless ensures that only one transaction goes through, even if the card is waved multiple times.
• Global Acceptance
  • Accepted at over 24 million outlets across the globe, including 3,25,000 outlets in India.
  • Use your card to make payments at any outlet that accepts VISA/RuPay Cards.
• Emergency Card Replacement
  • Get your City Union Bank SBI Card PRIME replaced anywhere in the world (facility available for VISA cardholders only).
  • A 24x7 helpline is available for emergency card replacement even while travelling abroad.
  • In case your card is lost in India, call 1860 180 1290 or 39 02 02 02 (prefix local STD code).
• Add-on Cards
  • Empower up to 3 members of your family (parents, spouse, children or siblings - above 18 years of age) with an add-on card.
• Cash on the Go
  • Withdraw cash from over 1 million VISA/RuPay ATMs worldwide.
• Safe and Secure
  • The card is chip and PIN enabled, providing enhanced security against counterfeiting and skimming.
• Easy Bill Pay Facility
  • Pay your electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility.
• Flexipay
  • Convert your transactions of Rs. 2,500 or more into easy monthly installments.
  • Log onto sbicard.com within 30 days of purchase to convert it into Flexipay.
• Balance Transfer on EMI
  • Save money by transferring the outstanding balance of other banks’ credit cards to your City Union Bank SBI Card PRIME.
  • Avail a lower rate of interest and pay back in EMIs.
  • Log onto sbicard.com with your user ID and password to avail this service.

Other Details

• This is a co-brand product, and there may be fee and revenue sharing between SBI Card and the co-brand partner.
• All applicable taxes would be charged on all Fees, Interest & Charges.
• Your continued use of the card will be deemed acceptance of any amendments in the Terms and Conditions.
• For assistance, please call the SBI Card helpline at: 1860 180 1290 or 39 02 02 02 (prefix local STD code).
• Submit account payee cheques following CTS 2010 standards for timely processing of your cheque payment.
• For detailed Terms and Conditions and Usage Directions, refer to the official documentation.
• For information regarding fees and other applicable charges, please refer to the Most Important Terms & Conditions.
• All payments made for a cardholder account will be settled in the order mentioned in the Order of Payment Settlement.
• All information is correct as on date and is subject to change at the discretion of SBICPSL.