Karnataka Bank Prime SBI Credit Card – Benefits, Fees & Eligibility

Introduction

The Karnataka Bank SBI Card PRIME is a premium credit card offering a comprehensive suite of benefits designed for a rewarding lifestyle. Cardholders can enjoy substantial welcome gifts, accelerated reward points across key spending categories like dining, groceries, and utility bill payments, and lucrative milestone benefits. It also provides exclusive access to both international and domestic airport lounges, along with various network-specific privileges and robust security features, ensuring a secure and enhanced spending experience.

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-Gift Voucher options within 21 working days of annual fees payment.
• The chosen e-Gift Voucher will be sent to the registered mobile number/e-mail ID within 5 days of the request.
• For Bata/Hush Puppies, Pantaloons, and Shoppers Stop, the e-Gift Voucher can be redeemed by showing the code at the respective brand store.
• Aditya Birla Fashion e-gift vouchers are acceptable 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.
• Add-on Fee (per annum): NIL.
• Spend-Based Waiver: Waiver of Renewal Fee on achieving annual spends of Rs.3 Lakhs.
• Fuel Surcharge: 1% Fuel Surcharge waiver on transaction amounts ranging from Rs.500-Rs.4000 across all petrol pumps (plus Taxes as applicable). Maximum Surcharge waiver of Rs.250 per month, per credit card account.
• All applicable taxes would be charged on all Fees, Interest & Charges.

Rewards

Accelerated Reward Points

• Get 20 Reward Points per Rs.100 spent on standing instructions of 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 spent on all other retail spends.
• Enjoy 20 Reward Points per Rs. 100 spent on your birthday (applicable one day before, on birthday, and one day after). Reward points on Birthday spends are capped at 2000 Reward points per calendar year.

Milestone Benefits

• Get Pizza Hut e-Gift Voucher worth Rs.1,000 on achieving spends of Rs.50,000 in a calendar quarter.
• The Pizza Hut e-Gift 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.
• For Yatra.com/Pantaloons, an SMS to choose the e-Gift Voucher option will be received within 21 working days of achieving the annual spend target.

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).
• To receive your Priority Pass, call the customer helpline: 1860 180 1290 or 39020202 (Prefix Local STD code).
• Domestic lounge access offer is brought by Network partners and is subject to change.
• The lounge access offer is valid for Primary Cardholders only.

Fuel Surcharge Waiver

• 1% Fuel Surcharge waiver on transaction amounts ranging from Rs.500-Rs.4000 across all petrol pumps (plus Taxes as applicable).
• Maximum Surcharge waiver of Rs.250 per month, per credit card account.

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

• Reward Points can be used to pay your card outstanding balance.
• The redemption rate is 4 Reward Points = Rs.1.

Important Product Details

• Contactless Advantage:
  • Facilitates easy daily purchases by simply waving the card at a secure reader.
  • Offers fast and convenient transactions, eliminating the need to hand over the card or use cash/coins for small purchases.
  • Enhances security as the card never leaves your hand during a transaction, reducing the risk of card loss and skimming. The unique security key feature of Visa payWave/RuPay Contactless ensures only one transaction goes through even if the card is waved multiple times.
• Air Accident & Fraud Liability Cover:
  • Complimentary Air Accident Liability Cover of Rs. 50 Lakhs (Terms & Conditions Apply). 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 a period of 48 hours prior to reporting of loss, to 7 days post reporting of loss.
  • To report loss and initiate a claim, call the SBI Card helpline at 1860 180 1290 or 39 02 02 02 (prefix local STD code).
• Global Acceptance:
  • The Karnataka Bank SBI Card PRIME is accepted at over 24 million outlets globally, including 3,25,000 outlets within India.
  • Can be used for payments at any outlet that accepts VISA/RuPay Cards.
• Emergency Card Replacement:
  • The card can be replaced anywhere in the world (facility available for VISA cardholders only).
  • A 24x7 helpline is available for emergency card replacement while travelling abroad.
  • In case the card is lost in India, please call 1860 180 1290 or 39 02 02 02 (prefix local STD code).
• Add-on Cards:
  • You can empower up to 3 eligible family members (parents, spouse, children, or siblings - all above 18 years of age) with an add-on card.
• Cash on the Go:
  • Allows cash withdrawal from over 1 million VISA/RuPay ATMs worldwide.
• Safe and Secure:
  • Offers enhanced security against counterfeiting and skimming due to its chip and PIN-enabled technology.
• Easy Bill Pay Facility:
  • Allows payment of electricity, telephone, mobile, and other utility bills.
• Flexipay:
  • Convert your transactions of Rs. 2,500 or more into easy monthly installments.
  • This service can be availed by logging onto sbicard.com within 30 days of purchase.
• Balance Transfer on EMI:
  • Save money by transferring outstanding balances from other banks’ credit cards to your Karnataka Bank SBI Card PRIME, benefiting from a lower interest rate and EMI payment options.
  • This service is available by logging onto sbicard.com with your user ID and password.

Other Details

• This is a co-brand product, which may involve fee and revenue sharing between SBI Card and the co-brand partner.
• Your continued use of the card will be deemed acceptance of any amendments in the Terms and Conditions.
• For assistance, please call SBI Card helpline at: 1860 180 1290 or 39 02 02 02 (prefix local STD code).
• All information provided is correct as of the date of publication and is subject to change at the discretion of SBICPSL.
• Detailed Terms and Conditions and Usage Directions are available via a provided link.
• Information regarding the order of payment settlement for cardholder accounts is available on the SBI Card website.
• For timely processing of cheque payments, account payee cheques following CTS 2010 standards should be submitted.
• The SBI Card Most Important Terms and Conditions are available at www.sbicard.com.
• Contact Address: SBI Cards and Payment Services Limited, Unit 401 & 402, 04th Floor, Aggarwal Millennium Tower, E-1,2,3 Netaji Subhash Place, Wazirpur, New Delhi 110034. CIN: L65999DL1998PLC093849.