SBI Pragati Platinum Debit Card – Benefits, Fees & Eligibility

Introduction

The SBI Pragati Platinum Debit Card, issued by the State Bank of India (SBI), is a premium debit card operating on the RuPay JCB Platinum network. Positioned for SBI customers seeking enhanced benefits, it offers a blend of insurance covers, exclusive merchant offers, and lifestyle perks. Key differentiating benefits include complimentary airport lounge access, comprehensive insurance protection, and attractive discounts on travel, entertainment, and food delivery services.

Welcome Benefits

• Amazon Prime Video Subscription: Receive a 12-month subscription to Amazon Prime Video.
• Swiggy One Membership: Get a 3-month Swiggy One Membership, providing unlimited convenience and extra discounts.
• Activation Bonus Reward Points: Earn up to 300 Bonus Reward Points by making 3 payments with your new SBI Platinum International Debit Card, online or in-store, within 2 months of issuance, with a minimum transaction of Rs.2000/- for each payment.
  • 50 points on the 1st use.
  • 100 points on the 2nd use.
  • 150 points on the 3rd use.

Fees & Charges Breakdown

• Issuance Fee: Rs. 399 + GST
• Annual Fee: Rs. 349 + GST
• Other Charges: For a comprehensive list of debit card related charges, customers are advised to refer to the bank's official information.

Rewards & Cashback Structure

• Monthly Reward Cap: Earn up to 10,000 SBI Reward Points every month, with a cap of Rs. 1,000/- per transaction.
• Standard Earning Rate: Earn 2 Reward Points for every Rs.200 spent with your SBI Platinum International Debit Card. This applies to online or in-store transactions across various categories including shopping, dining out, fuel, travel, and more.
• Milestone Bonus: Receive 1,000 Bonus Reward Points on achieving PoS and E-commerce spends of ₹1 lakh or more in a month. Spends on MCC-6540 are excluded from this offer.
• Birthday Bonus: Earn 2x Reward Points on all spends made with your Debit Card during your birthday month.
• International Payments: Get 2x Reward Points on international spending, whether online or in-store.
• Partner Brands: Earn extra Reward Points on every purchase made at Loyalty program partner brands, online, in-store, and via SBI Rewardz.
• Reward Redemption Options:
  • Redeem points through the rewardz.sbi website, SBI REWARDZ App, Yono App, and RINB.
  • Recharge & Bill Payments: Use Reward Points to pay for mobile recharge, DTH, electricity, gas, or FASTag through Bharat Bill Pay.
  • Movie Tickets: Redeem Reward Points on Book My Show for savings on movie tickets.
  • Merchandise & E-vouchers: Explore and save on a range of products including home & kitchenware, décor, electronics, pooja items, and gifting options.
  • Travel: Save on flight, bus, and hotel bookings by redeeming Reward Points, with no convenience fee.
  • Partner Brands: Redeem Reward Points on purchases at Loyalty Program partner brands.

Travel, Lounge & Lifestyle Perks

• Domestic Lounge Access: Enjoy complimentary domestic airport lounge access every quarter.
• Personal Accidental Insurance: Covered up to Rs 10 lakh.
• Air Accidental Insurance: Covered up to Rs 50 lakh.
• Purchase Protection: Covered up to Rs 2 Lakh.
• Insurance Eligibility: To be eligible for insurance covers, a minimum of one successful transaction must be made at any Point of Sale (POS) using the physical RuPay card or an e-commerce transaction using RuPay card details within 30 days prior to the date of accident, including the date of accident.
• MakeMyTrip Offer: Get a flat 10% instant discount on international or domestic flights, up to INR 1500, once per quarter. No minimum purchase is required.
• Book My Show Offer: Receive INR 250 off on booking a minimum of 2 movie tickets, available once per quarter.
• Swiggy One Membership: A 3-month Swiggy One Membership is provided once per year.
• Domestic Concierge Services: Access personal 24x7 assistance.
• Exclusive Merchant Offers: Benefit from exclusive offers from various partner merchants.

Card Eligibility Criteria & Income Requirements

• Eligibility: The SBI Pragati Platinum Debit Card is available to all SBI Account Holders.
• Application Process: To apply for this card, visit an SBI branch and request the card using the specific card code: RPP.

Important Product Details

• Card Network: RuPay JCB Platinum.
• Application Code: RPP (for branch applications).
• Usage: The card facilitates cash withdrawals from SBI ATMs and other ATMs in India and worldwide, safe online shopping, and e-commerce transactions.
• Card Holding Limit: SBI account holders can typically hold up to two debit cards.

Other Details

• Offer Redemption: All offers associated with the card are to be availed from Rupay.co.in.
• Offer Dynamics: All offers are dynamic and subject to change, with terms and conditions applying.
• Daily Cash Withdrawal Limits:
  • Domestic ATMs: Minimum Rs. 100/-, Maximum Rs. 1,00,000/-.
  • International ATMs: Varies from ATM to ATM and country to country, subject to a maximum of foreign currency equivalent of Rs. 1,00,000/-.
• Daily Point of Sale/Online Transaction Limits:
  • Domestic: No minimum limit, Maximum Rs. 5,00,000/-.
  • International: Point of Sale transaction limits vary by country, subject to a maximum of foreign currency equivalent of Rs. 1,00,000/- per day and Rs. 1,50,000/- per month. E-commerce transactions are permitted only at select international online websites.
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