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

Introduction

The South Indian Bank SBI Card PRIME is a co-branded credit card issued by SBI Card in partnership with South Indian Bank, designed for individuals seeking a rewarding lifestyle. This card offers a substantial welcome e-Gift Voucher worth Rs. 3,000, complimentary international and domestic airport lounge access, and accelerated reward points on various spending categories such as utility bills, dining, departmental stores, and groceries, making it a strong contender in the mid-to-premium segment.

Welcome Benefits

• Welcome e-Gift voucher worth Rs. 3,000.
• Choose from an array of travel and lifestyle brands including Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla fashion, Shopper Stop, and many more.
• The voucher link will be sent to the cardholder’s registered email ID & mobile number within 21 days, post realization of the annual fees.
• Cardholders will need to log in to the portal using their registered mobile number and OTP authentication to redeem the voucher.

Fees

• Joining Fee: Rs. 2,999 + taxes
• Renewal Fee (per annum): Rs. 2,999 + taxes from the second year onwards.
• Spend-Based Waiver: Renewal fee 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 surcharge waiver of Rs. 250 per month, per statement cycle.
  • Extra service tax as applicable.
• All taxes would be charged as applicable on all fees, interest & charges.

Rewards

• Prime Rewards

  • Earn 20 Reward Points per Rs. 100 on utility bill payment standing instructions. Once 3000 reward points have been accumulated from utility bill payments, subsequent utility bill payments will earn 2 Reward Points for every Rs. 100 spent.
  • Get 10 reward points per Rs. 100 on dining, departmental stores, 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

  • Complimentary membership to the Priority Pass Program, valued at $99.
  • 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).
  • Only Primary Cardholders are eligible for Priority Pass, and complimentary membership will be valid for 2 years only.
  • To receive your Priority Pass, call customer helpline numbers: 1860 180 1290 or 39020202 (prefix Local STD code).

• ITC Silver Tier Membership

  • Complimentary 1-year Club ITC Silver Tier Membership.

• 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 and up to 50% off on golf games.
  • Receive 1 complimentary golf lesson per month at selected golf courses across India.
  • Enjoy up to 15% discount on the best available room rates and up to 15% discount on F&B at Lalit Hotels.

• Network Privileges (Visa)

  • Savings of up to 10% on Hertz car rental.
  • Up to 35% on Avis Car Rentals.
  • Exclusive benefits across 900 luxury hotels worldwide.

• Network Privileges (RuPay)

  • Up to 15% Cashback on Hotels and Flight bookings on MakeMyTrip.
  • Up to 20% off on ZoomCar.
  • Up to 15% off on Shopping at Lifestyle Stores.

Rewards Redemption Guide

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

Important Product Details

• Positive Highlights:
  • Generous welcome e-Gift voucher worth Rs. 3,000 with a wide choice of brands.
  • Extensive lounge access with 4 complimentary international and 8 complimentary domestic visits annually.
  • Accelerated reward points on utility bill payments, dining, departmental stores, and groceries.
  • Valuable milestone benefits including Pizza Hut and Yatra.com/Pantaloons e-vouchers, and a renewal fee waiver.
  • Complimentary Priority Pass membership and 1-year Club ITC Silver Tier Membership.
  • Special birthday benefits with accelerated reward points.
  • Comprehensive network privileges across Mastercard, Visa, and RuPay, offering discounts on golf, hotels, car rentals, travel, and shopping.
  • 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000.
  • Nil add-on card fee.
  • Global acceptance in over 24 million outlets.
  • Complimentary fraud liability cover of Rs. 1 lakh.
  • Contactless payment feature for convenience and security.
  • Chip and PIN enabled for enhanced transaction security.
  • Emergency card replacement service available worldwide.
• Considerations:
  • Reward points for utility bill standing instructions change from 20 RP to 2 RP per Rs. 100 after accumulating 3000 points.
  • Birthday reward points are capped at 2,000 per calendar year.
  • Fuel surcharge waiver is capped at Rs. 250 per month.
  • Complimentary Priority Pass membership is valid for 2 years only.

Other Details

• Global Acceptance: The card is accepted in over 24 million outlets globally, including 3,25,000 outlets in India. You can withdraw cash from over 1 million Visa, Mastercard, and American Express ATMs across the globe.
• Fraud Liability Cover: Enjoy a 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.
• Contactless Advantage: Make everyday payments effortlessly by simply tapping your card on a secure reader for instant transactions. This feature offers fast, convenient, and secure transactions as your card stays in your hand, reducing the risk of loss or fraud. Visa payWave’s unique security key ensures that only one transaction is processed even if the card is tapped multiple times.
• 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 your parents, spouse, children, or siblings above the age of 18.
• Balance Transfer on EMI: Save money on your 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 your electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility.
• Safe and Secure: Get enhanced security against counterfeiting and skimming with the chip and PIN enabled SBI Card PRIME.
• Emergency Card Replacement: Get your SBI Card PRIME replaced anywhere in the world (available for Visa and MasterCard). A 24x7 helpline is available for emergency card replacement even while travelling abroad. In case your card is lost in India, please call 39 02 02 02 (prefix local STD code) or 1860 180 1290.
• General Terms: This is a co-brand product, and there may be fee and revenue sharing between SBI Card and the co-brand partner. All information is subject to change at the discretion of SBICPSL. For assistance, please call SBI Card helpline at 1860 180 1290 or 39 02 02 02 (prefix local STD code).