SBI Card PRIME Advantage – Benefits, Fees & Eligibility

Introduction

The SBI Card PRIME, issued by SBI Card, is positioned as a premium lifestyle credit card designed to offer a rewarding experience across various spending categories. It differentiates itself with a substantial welcome e-Gift Voucher worth Rs. 3,000, comprehensive lounge access benefits including both international Priority Pass and domestic airport lounges, and accelerated reward points on dining, departmental stores, movies, grocery, and utility bill payments.

Welcome Benefits

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

Fees

• Annual Fee: Rs. 2,999 + taxes.
• Renewal Fee (per annum): Rs. 2,999 + taxes from the second year onwards.
• Spend-Based Waiver: 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: 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 3,000 points, earn 2 Reward Points for every Rs. 100 spent on utility bills.
  • Get 10 Reward Points on dining, departmental stores, movies, 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 on 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, outside India (maximum 2 visits per quarter).
  • 8 complimentary domestic airport lounge visits per calendar year (maximum 2 visits per quarter).
• 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 (Mastercard):
  • Enjoy 4 rounds of complimentary green fees access.
  • Up to 50% off on golf games.
  • 1 complimentary golf lesson per month at selected golf courses across India.
• Network Privileges (Visa):
  • Exclusive benefits across 900 luxury hotels worldwide.
  • Access to Visa Concierge support.
• Network Privileges (American Express):
  • Exclusive Global Benefits & Experiences.
  • Get up to Rs. 600 instant discount at Swiggy, Zomato, and Blinkit (Everyday Apps).
  • Enjoy up to 25% discount at more than 500+ restaurants, including Castles Barbeque, Yeti – The Himalayan Kitchen, and Lord of The Drinks.

Rewards Redemption Guide

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

Important Product Details

• Contactless Advantage: Tap & Pay with ease for everyday payments, offering fast, convenient, and secure transactions. Your card remains in your hand, reducing fraud risk, and Visa payWave's security key ensures only one transaction is processed per tap.
• Global Acceptance: Accepted in over 24 million outlets globally, including 3,25,000 outlets in India.
• Cash Access Across the World: Withdraw cash from over 1 million Visa, Mastercard, and American Express ATMs across the globe.
• Fraud Liability Cover:
  • Complimentary air accident liability cover of Rs. 50 lakhs.
  • 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.
• Flexipay: Convert eligible purchases of Rs. 2,500 or more into easy monthly EMIs.
• Add-on Cards: Empower your family with add-on cards for parents, spouse, children, or siblings above the age of 18.
• Balance Transfer on EMI: Save money on credit card repayments by transferring outstanding balances of other banks’ credit cards to your SBI Card PRIME at a lower interest rate and repaying in easy EMIs.
• Utility Bill Payment Facility: Pay electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility.
• Safe and Secure: The card is chip and PIN enabled, providing enhanced security against counterfeiting and skimming.
• A secured card variant named 'Advantage' is also available.

Other Details

• For detailed terms and conditions regarding various offers and features, refer to the provided links on the SBI Card website.
• The card can be used internationally.
• Applications for the card can be made through the SBI Card website, Chatbot ILA, SBI Card Helpline (39 02 02 02, prefix city STD code), or the nearest SBI branch.