PSB SBI Card PRIME – Benefits, Fees & Eligibility

PSB SBI Card PRIME

The PSB SBI Card PRIME is designed to offer a host of privileges across various spending categories, including utility bill payments, dining, groceries, departmental stores, and movies. It provides significant reward points on everyday spends, along with valuable milestone benefits such as e-gift vouchers and a renewal fee waiver based on annual spending. Cardholders also benefit from complimentary domestic and international lounge access, comprehensive insurance covers, and network-specific offers from VISA and RuPay, making it a well-rounded option for those seeking a premium rewards card.

Welcome Benefits

• Welcome e-Gift Voucher worth Rs.3,000.
• Choice of e-Gift Voucher from brands like 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 e-Gift Voucher will be sent to the registered mobile number/e-mail ID within 5 days of the request.
• Redeem Bata/Hush Puppies, Pantaloons, Shoppers Stop e-Gift Vouchers 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.
• Yatra and Shoppers Stop e-Gift Vouchers can be redeemed online at the time of purchase.

Fees

• Annual Fee (one-time): ₹ 2,999 + taxes.
• Renewal Fee (per annum): ₹ 2,999 + taxes, applicable from the second year onwards.
• Spend-Based Waiver: Renewal Fee is waived on achieving annual spends of Rs.3 Lakhs.
• Add-on Fee (per annum): NIL.
• Fuel Surcharge: 1% Fuel Surcharge waiver on transactions ranging from Rs.500 to 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

PRIME Rewards

• 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 spent on all other retail spends.

Milestone Benefits

• Get Pizza Hut e-Gift Voucher worth Rs.1,000 on achieving spends of Rs.50,000 in a calendar quarter.
  • Pizza Hut e-Gift Voucher will be sent to the registered mobile number within 21 working days of achieving the spend milestone.
• E-Gift Voucher worth Rs.7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs.5 Lakhs.
  • An SMS will be sent to choose the Yatra.com/Pantaloons e-Gift Voucher option within 21 working days of achieving the spend milestone.

Lounge Access

• 4 complimentary visits per year to International Priority Pass Lounges, outside India (maximum 2 visits per quarter).
• 8 complimentary visits per calendar year to Domestic Lounges in India (maximum 2 visits per quarter).
• Offer is valid for Primary Cardholders only.

Birthday Benefit

• Enjoy 20 Reward Points per Rs. 100 spent on your birthday (includes one day before, on birthday, and one day after).
• Reward points on Birthday spends are capped at 2000 Reward points per calendar year.

Network Privileges

• VISA Offers:
  • Exclusive benefits across 900 luxury hotels worldwide.
  • Enjoy savings of up to 10% on Hertz Car Rental.
  • Enjoy savings of up to 35% on Avis Car Rental.
  • Enjoy 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

• Cardholders can pay their card outstanding using Reward Points.
• The redemption value is 4 Reward Points = Rs.1.

Important Product Details

• Air Accident & Fraud Liability Cover:
  • Complimentary Air Accident Liability Cover of Rs. 50 Lakhs (Terms & Conditions Apply).
  • Note: Complimentary Air Accident Insurance coverage of Rs. 50 Lakh currently offered on your PSB SBI Card PRIME will be discontinued w.e.f 11 Aug’25.
  • 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 & initiate a claim, call SBI Card helpline: 1860 180 1290 or 39 02 02 02 (prefix local STD code).
• Contactless Advantage:
  • Daily purchases are made easy by simply waving your card at a secure reader.
  • Offers fast & convenient transactions, eliminating the need to hand over your card or handle cash/coins for small ticket purchases.
  • Provides enhanced security as the card remains in your hand, 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.
• Safe and Secure:
  • The card is chip and PIN enabled, providing enhanced security against counterfeiting and skimming.
• Financial Flexibility:
  • Flexipay: Convert transactions of Rs. 2,500 or more into easy monthly installments. This can be done by logging onto sbicard.com within 30 days of purchase.
  • Balance Transfer on EMI: Transfer outstanding balances of other banks’ credit cards to your PSB SBI Card PRIME to avail a lower rate of interest and pay back in EMIs. This service is available by logging onto sbicard.com.

Other Details

• Customer Helpline: Call 1860 180 1290 or 39 02 02 02 (prefix local STD code) for assistance.
• Add-on Cards: Empower up to 3 family members (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.
• Easy Bill Pay Facility: Pay electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility on your PSB SBI Card PRIME.
• Emergency Card Replacement:
  • Get your PSB SBI Card PRIME replaced anywhere in the world (facility available for VISA Cardholders only).
  • 24x7 helpline available for emergency card replacement even while traveling abroad.
  • In case your card is lost in India, call 1860 180 1290 or 39 02 02 02 (prefix local STD code).
• Co-brand Product: PSB SBI Card PRIME is a co-brand product, and there may be fee and revenue sharing between SBI Card and the co-brand partner.
• Terms and Conditions:
  • Detailed Terms and Conditions and Usage Directions are available via a provided link.
  • Continued use of the card will be deemed acceptance of any amendments to the Terms and Conditions.
  • The Most Important Terms and Conditions are also available on sbicard.com.
• Order of Payment Settlement: All payments made for a cardholder account will be settled in a specific order, as detailed in a provided link.
• Cheque Payments: Submit account payee cheques following CTS 2010 standards for timely processing of your cheque payment.