South Indian Bank SBI Card PRIME – Benefits, Fees & Eligibility

South Indian Bank SBI Card PRIME

Introduction

The South Indian Bank SBI Card PRIME is a premium credit card offering a wide array of benefits across various categories, including accelerated reward points on utility bills, dining, groceries, departmental stores, and movies. Cardholders can enjoy substantial welcome gifts, milestone benefits, complimentary domestic and international lounge access, and robust insurance coverage. It also provides convenient financial management features and global acceptance.

Welcome Benefits

• Receive a welcome e-Gift Voucher worth Rs.3,000.
• The voucher can be chosen from leading brands such as Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, and Yatra.com.
• An SMS will be sent to the registered mobile number within 21 working days of annual fees payment, allowing you to choose from the e-Gift Voucher options.
• The chosen e-Gift Voucher will be sent to your registered mobile number/e-mail ID within 5 days of the request.
• Redemption Details:
  • For Bata/Hush Puppies, Pantaloons, Shoppers Stop, redeem by showing the code at the respective brand store.
  • Aditya Birla Fashion e-gift vouchers are accepted at Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, and Simon Carter brand stores.
  • For Yatra and Shoppers Stop, the code can be redeemed online at the time of purchase.

Fees

• Annual Fee (one-time): ₹ 2,999 + applicable taxes
• Renewal Fee (per annum): ₹ 2,999 + applicable taxes (from the second year onwards)
• Spend-Based Waiver: The Renewal Fee is waived on achieving 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 is Rs.250 per month, per credit card account (plus taxes as applicable).
• General: All taxes are charged as applicable on all fees, interest, and charges.

Rewards

• Earning Reward Points

  • 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.
  • Birthday Benefit: Enjoy 20 Reward Points per Rs. 100 spent on your birthday (this includes one day before, on your birthday, and one day after). Reward points on birthday spends are capped at 2,000 Reward Points per calendar year.

• Milestone Benefits

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

• Lounge Access

  • International Priority Pass Lounges (outside India): Enjoy 4 complimentary visits per year (maximum of 2 visits per quarter). This offer is valid for Primary Cardholders only.
  • Domestic Lounges (in India): Enjoy 8 complimentary visits per calendar year (maximum of 2 visits per quarter).
  • To receive your Priority Pass, call the customer helpline at 1860 180 1290 or 39020202 (prefix local STD code).
  • Domestic lounge access is subject to change as it is brought by Network partners.

• Network Privileges

  • Mastercard Offers:
    • Enjoy up to 12% instant discount on hotel bookings worldwide via Agoda.
    • Up to 15% off at Apollo Pharmacy.
    • Up to 15% discount on Room Bookings and F&B at Lalit Hotels.
  • 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.

• Insurance & Security

  • Air Accident Liability Cover: Get complimentary Air Accident Liability Cover of Rs. 50 Lakhs (Terms & Conditions apply). Note: This complimentary coverage will be discontinued with effect from August 11, 2025.
  • Fraud Liability Cover: Receive a complimentary credit card Fraud Liability Cover of Rs.1 lakh. This cover is valid for a period of 48 hours prior to reporting the loss, up to 7 days post reporting the loss. To report loss & initiate a claim, call the SBI Card helpline: 1860 180 1290 or 39 02 02 02 (prefix local STD code).
  • Safe and Secure: The card is chip and PIN enabled, providing enhanced security against counterfeiting and skimming.

• Travel & Global Use

  • Global Acceptance: The South Indian Bank SBI Card PRIME is accepted at over 24 million outlets across the globe, including 3,25,000 outlets in India. It can be used at any outlet that accepts Mastercard/RuPay Cards.
  • Emergency Card Replacement: Get your card replaced anywhere in the world (facility available for Mastercard cardholders only). A 24x7 helpline is available for emergency card replacement while travelling abroad. For lost cards in India, call 1860 180 1290 or 39 02 02 02 (prefix local STD code).
  • Cash on the Go: Withdraw cash from over 1 million Mastercard/RuPay ATMs worldwide.

Rewards Redemption Guide

• Reward Points can be used to pay your card outstanding, where 4 Reward Points equal Rs.1.
• e-Gift Vouchers received as welcome benefits or milestone rewards are sent via SMS/email and can be redeemed at specific brand stores or online platforms as per the voucher's instructions.

Important Product Details

• Welcome e-Gift Voucher worth Rs.3,000 from top brands.
• Accelerated rewards: 20 Reward Points per Rs.100 on Utility Bills (standing instructions) and 10 Reward Points per Rs.100 on Dining, Groceries, Departmental stores, and Movies.
• Birthday benefit: 20 Reward Points per Rs.100 on birthday spends (capped at 2000 RP annually).
• Milestone rewards include a Rs.1,000 Pizza Hut e-Gift Voucher quarterly on Rs.50,000 spends and a Rs.7,000 Yatra.com/Pantaloons e-Gift Voucher annually on Rs.5 Lakhs spends.
• Enjoy 4 complimentary international lounge visits and 8 complimentary domestic lounge visits per year.
• Renewal fee waiver on annual spends of Rs.3 Lakhs.
• Complimentary Air Accident Liability Cover of Rs. 50 Lakhs (to be discontinued from Aug 11, 2025) and Fraud Liability Cover of Rs. 1 Lakh.
• Annual and Renewal Fees are Rs. 2,999 + taxes.
• Offers available through Mastercard and RuPay networks for various categories like hotels, flights, and shopping.

Other Details

• Contactless Advantage

  • Facilitates easy daily purchases by simply waving the card at a secure reader.
  • Offers a fast and convenient way to transact for everyday small ticket purchases, eliminating the need to hand over your card or handle cash/coins.
  • Ensures enhanced security as the card remains in your hand during transactions, significantly reducing the risk of card loss and fraud due to skimming.
  • The unique security key feature of Mastercard/RuPay contactless ensures that only one transaction is processed, even if the card is waved multiple times.

• Financial Management Features

  • Add-on Cards: You can empower up to 3 members of your family (parents, spouse, children, or siblings - all above 18 years of age) with an add-on card at NIL annual fee.
  • Easy Bill Pay Facility: Conveniently pay your electricity, telephone, mobile, and other utility bills using this facility.
  • Flexipay: Convert 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 South Indian Bank SBI Card PRIME, benefiting from a lower interest rate and the option to pay back in EMIs. This service is available by logging onto sbicard.com with your user ID and password.

• General Information

  • This is a co-brand product, and there may be fee and revenue sharing between SBI Card and the co-brand partner.
  • Your continued use of the card will be deemed as acceptance of any amendments in the Terms and Conditions.
  • For assistance, you can call the SBI Card helpline at 1860 180 1290 or 39 02 02 02 (prefix local STD code).
  • For timely processing of cheque payments, ensure to submit account payee cheques following CTS 2010 standards.
  • All information provided is correct as of the date of publication and is subject to change at the discretion of SBICPSL.
  • The Most Important Terms and Conditions for the card are available on www.sbicard.com.