SBI Credit Card Prime brings you a plethora of exciting benefits and exclusive gifts keeping in mind your rewarding lifestyle. Be it dining, groceries, shopping or travel, get the benefits of astounding rewards with every swipe......
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Best Suited For
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Visit SBI Card |
| Documents Required for Identity Proof |
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| Documents Required for Address Proof |
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| Documents Required for Income Proof |
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| Other Documents Required |
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Additionally, you can log on to the SBI official website and apply for a card online at www.sbicard.com
Fees & Charges of SBI Prime Credit Card
| Fees/Charges | Amount |
|---|---|
| Annual Fee | Rs 2999 + taxes |
| Add-on Fee | Nil |
| Finance charges for extended credit | 3.50% p.m. (42% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards |
| Minimum amount due for extended credit | Total GST + EMI amount + 100% of Fees/Charges + 5% of [Finance Charge (if any) + Retail Spends and Cash Advance (if any)] + Overlimit Amount (if any) |
| Cash advance limit | Up to 80% of the credit limit, with a maximum of Rs 15,000 per day |
| Cash advance fee | 2.5% of transaction amount, subject to a minimum of Rs 500 |
| Statement retrieval | Rs 100 per statement that is more than 2 months old |
| Payment Dishonor fee | 2% of the payment amount, subject to a minimum of Rs 500 |
| Cheque pick-up fee | Rs 100 |
| Overlimit | 2.5% of over limit amount subject to a minimum of Rs 600 |
| Card replacement | Rs. 100 - Rs. 250 (Rs.1500 for Aurum) |
| Emergency card replacement when abroad | Actual cost (subject to a minimum of $175) |
| Foreign currency transaction | Conversion markup of 3.5% |
| Rewards redemption fee | Rs 99 |
| Cash payment fee | Rs.250 |
| Railway tickets through counters | As prescribed by IRCTC / Indian Railways |
| Amount (in Rupees) | Late payment fees (in Rupees) |
|---|---|
| 0 – 500 | Nil |
| 501 – 1000 | 400 |
| 1001 – 10000 | 750 |
| 10001 – 25000 | 950 |
| 25,001 – 50,000 | 1100 |
| > 50,001 | 1300 |
Now earn various reward points and bonus reward points at a faster pace with every transaction with your SBI Prime Credit Card. The more reward points you gain, the greater your chances become to redeem the reward points for your spends. This will save you a lot of money which otherwise would have gone from your pocket and made a hole in it.
These reward points can be redeemed to make several online purchases on www.sbicard.com Customers can also redeem reward points against their SBI credit card outstanding balance.
You can avail the following reward points on your SBI Prime Credit Card:
You can only redeem reward points in multiples of 2000 points per request. The gift from the reward points will be delivered to the customer’s given address, i.e., only to the primary card holder’s address. Gifts (i.e., merchandise) will be delivered within 15 working days and gift vouchers will be sent in 10 working days. Once the request to redeem the reward points has been made, it cannot be cancelled or changed.
Gift vouchers will be valid for a period of three months. SBI charges a fee of Rs 99 along with service tax to the SBI card account after a request to redeem the reward points has been made by the customer
SBI Credit Card Rewards Store/Catalogue
| Category | Brands |
|---|---|
| Accessories | Samsung/ Michael Kors/ Fossil/ Bvlgari/ Rayban/ Lavie/ Bata/ Tommy Hilfiger/ Parker/ Hidesign/ Nike/ Park Avenue/ Swiss Military/ Esprit/ Ferragamo/ Fastrack/ Voylla etc. |
| Apparel & Superstore | Shoppers Stop/ Celio/ Hush Puppies/ Pantaloons/ More/ Aurelia/ Myntra/ Central/ Raymond/ Levis/ Louis Philippe/ Allen Solly/ Inglot/ Van heusen/ Vero Moda/ Arrow/ United Colors of Benetton/ Woodland etc. |
| Books & Periodicals | Annual subscriptions of India Today/ Vogue/ GQ/ Good Homes/ Femina/ Filmfare/ Hello/ Grazia/ Business Today/ Harper’s Bazaar/ Cosmopolitan India/ Architectural Digest/ Reader’s Digest etc. |
| Electronics | Apple/ Samsung/ Sennheiser/ Skullcandy/ Philips/ HP/ Amazon/ Google/ Bose/ JBL/ Fitbit/ BoAt/ Fossil/ MI/ Fastrack/ Motorola/ AT&T etc. |
| Elite Book of Rewards | Shoppers Stop/ US Polo Assn./ Arrow/ Pantaloons/ Amazon/ Google/ PC Jeweller/ Kalyan Jewellers/ Tanishq/ Joyalukkas |
| End of Season Sale | Victorinox/ HP/ MI/ Havells/ Swiss/ Motorola/ Wenger/ Fossil/ Skullcandy/ Google/ Bajaj/ Vaya/ Morphy Richards/ Park Avenue/JBL/ Nike/ Tupperware etc. |
| Entertainment & Dining | BookMyShow/ SMAAASH/ Oh Calcutta/ Sweet Bengal/ The Beer Café/ Sigree/ TGIF/ Mainland China/ PVR/ KFC/ Chaayos/ Costa Coffee/ Pizza Hut/ Baskin Robins |
| E-voucher | MakeMyTrip/ Flipkart/ Croma/ Yatra/ Urban Ladder/ Amazon/ Apollo Pharmacy/ The Body Shop/ Archies/ Shoppers Stop/ Allen Solly/ Cult.fit/ Pantaloons/ Fab Hotels etc. |
| Festive Catalogue | Diesel |
| Health & Fitness | Apple/ Fitbit/ MI/ Philips/ Goomo/ Cult.fit/ Fastrack/Nivia/ Dr. Morepan/ Victorinox/ Portronics/ Omron/ FitPass/ Nike/ Apollo Pharmacy/ Swiss Military etc. |
| Homeware | Kent/ Morphy Richards/ Havells/ Hindware/ Urban Ladder/ Victorinox/ Bajaj/ DKNY/ Orient/ Vaya/ Wonderchef/ Prestige/ Borosil/ Milton/ Black + Decker/ Tupperware etc. |
| Kids Zone | Vaya/ Wildcraft/ Lego/ Disney/ Zephyr/ American Tourister/ Gini & Jony/ Borosil etc. |
| Lifestyle | Sennheiser/ Bose/ Diesel/ Hermes/ Fossil/ Citizen/ Skagen/ DKNY/ Bvlgari/ Guess/ Esprit/ Lavie/ Bata/ Timex/ Park Avenue/ VLCC etc. |
| Luxury | PC Jeweller/ Kalyan Jewellers/ Helios/ Tanishq/ Joyalukkas |
| Memberships | Accor Plus/ Cult.fit/ FITPASS |
| Preferred partner | Card Protection Plan/ FBB/ Central |
| Travel & Holiday | MakeMyTrip/ Swiss Gear/ Wildcraft/ Yatra/ Accor Plus/ Victorinox/ American Tourister/ Adidas/ Swiss Military/ Fab Hotels/ Cabeau etc. |
To check your reward points gained from your SBI Prime Credit Card:
Redeem reward points through Website
Customer care for SBI Credit Card
You can clear all your doubts and queries through SBI customer service. You can get access to the SBI customer service executives through the SBI helpline number, SMS service, address or email id. Resolve all your credit card queries and complaints regarding gift vouchers, reward points, credit score, annual spends, add on cards, required documents, annual fee, credit card application and many more in the best possible way through the SBI credit card helplines.
SBI Credit Card Toll Free Number:
SBI Credit Card “Simply SMS” Service
Send different messages to get answers for your queries using SBI’s Simply SMS Service at the number 5676791
SBI Credit Card Postal Address
Correspondence: SBI Card, P.O. Bag 28, GPO, New Delhi – 110001
Head office: SBI Card, Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002, Haryana, India
SBI Credit Card Email
Click on https://www.sbicard.com/en/contact-us/personal.page#title to email to SBI.
Get the real-time status of your SBI credit card by simply visiting the official SBI website. You just need to put your credit card application number and follow a few simple steps and you are done with the credit card application status. Now, the credit card application status can be anything from approval, pending for approval or even rejected. Do ask the reasons for your credit card application rejection if it has happened.
You can either call the branch officials or the customer care executives to know the reasons or you can write an e-mail to the customer care executives. If you can remove the discrepancy in your credit card application, do so and apply again to get an approval.
The credit limit depends on the income, credit score, job or business stability along with other factors. So, to get a higher credit score limit, it’s important to have a decent income and have a good credit score well past 750. It is also important to have a stability in either your job or business.
Existing cardholders can get good credit limit by asking SBI to raise the credit limit. After receiving the request of limit enhancement, SBI will check the repayment pattern, employment and business details before coming to a decision of whether it will raise the credit limit or not.
A good credit limit or a higher credit limit does not mean that you should spend an excessive amount which will be more than your ability to pay back on time. Over-spending and failure to make a payment by the due date can create a default-like situation in which the creditors might raise interest rates to the default (or penalty rate) or decrease the line of credit. In case of serious defaulting on a credit card, the bank can even take legal action to enforce payment.
This is not a situation anybody would want to be in as default is a serious credit card issue that affects not only your standing with the credit card issuer but also your credit standing in general and your ability to get approved for other credit-based services. The reasons are obvious, the credit score would come down, which could make it tricky to gain an easy approval to the credits you may apply in the future.
In addition, you would struggle to meet other financial liabilities that you may have to carry out on a monthly basis.
At the same time, don’t be too less on the utilization as that would make it hard to build a credit history for you and would interfere with your good credit score. So, you need to strike a balance between the annual spends to ensure a proper credit utilization ratio, translating into a good credit history and a non-default situation.
Do away with the bill payment delays by adding your SBI Prime Credit Card to the list of billers via net banking and pay your bills on time and avoid default.If you are using the Internet Banking of SBI or some other bank, mention your credit card number correctly. You will receive an SMS indicating the total due and due date. You can login and pay from the comfort of your home or office either on or before the due date.
Frequently Asked Questions (FAQs)
What is SBI Prime Credit Card?
SBI Prime Credit Card is a credit card from the State Bank of India with excellent reward benefits. This card gives you joining benefits along with reward points for transactions done for various categories like travel, dining, fuel and lifestyle.
How to get SBI Prime Credit Card welcome gift voucher?
You need to pay the annual fee of SBI Prime Credit Card to avail the welcome gift voucher. You will receive an SMS to choose from welcome gift voucher options within 15 days of annual fees payment. The welcome gift voucher you choose will be sent to your registered mobile number/e-mail ID, within 5 days of the request.
Is SBI Prime Credit Card accepted globally?
Yes, SBI Prime Credit Card is accepted globally at over 24 million Visa outlets.
What is the credit limit of SBI Prime Credit Card?
SBI Prime Credit Card has a minimum credit limit of Rs 40,000 and a maximum credit limit of Rs 10 lakhs.
What are the benefits of SBI Prime Credit Card?
SBI Prime Credit Card provides a plethora of benefits for its customers like Welcome Gift, Excellent Reward Benefits, Birthday Benefits, Milestone Benefits, Mastercard and Visa Benefits, Exclusive Concierge Service, International and Domestic Lounge Access Program, Club Vistara Membership, Trident Privilege Membership and Fuel Surcharge Waiver and more.
How to cancel SBI Prime Credit Card?
To cancel you SBI Prime Credit Card, you need to first pay off all the outstanding as SBI will not cancel a card that has not been paid in full. Then, you can either call SBI or write to them to cancel your card. You can call SBI at 1860-180-1290 or write to them by sending a letter to SBI Card, PO – Bag 28, GPO, New Delhi – 110001.You are also required to cancel your card after placing your card cancellation request.
How to activate SBI Prime Credit Card?
To activate your SBI Prime Credit Card, you can login to your SBI credit card account at sbicard.com or write at sbicard.com/Email. You can also call on the SBI helpline numbers 1860 180 1290, 180 180 1290 or 39020202 (STD code) to activate your SBI Prime Credit Card. Also, you can Click here to watch the demo. Alternatively, you can also login to Chatbot ILA using your online account user ID and password and get your SBI Prime Credit Card activated.
Can I take loan on SBI Prime Credit Card?
Yes, you can take loan on SBI Prime Credit Card through Easy Money facility provided by SBI. You can apply for Easy Money for a minimum amount of Rs.5,000 or a maximum of up to 75% of your available cash limit. The rate of interest is 2.45% p.m. for 45 days. The Easy Money facility can be availed through the SBI website, mobile app or SBI helpline number 1860 180 1290.
What is Club Vistara membership on SBI Prime?
Club Vistara Membership is a value-based frequent flyer program on SBI Prime Credit Card wherein your points are calculated on the value of your base fare. The reward points you get are stored as CV (Club Vistara) points. CV Points are valid for 36 months from the date of flight and can be redeemed towards flights and upgrades on the Vistara network and flights with Partner Airlines.
Is SBI Prime Credit Card good?
Yes. SBI Prime Credit Card is one of the best premium credit cards in the market for numerous reasons like excellent reward points, Club Vistara membership, e-gift voucher worth Rs 3000, milestone benefits, lounge access, golf benefits and fee waiver to name a few.
How safe is it to use SBI Prime Credit Card?
It is very safe to use SBI Prime Credit Card as all SBI cards promise a very easy and safe transaction.
Which is the best SBI credit card for reward points?
SBI Prime Credit Card is one of the best credit cards which provides an excellent reward system. Customers get 20 points per Rs 100 spent on utility bills, 15 points per Rs 100 spent on Big Basket, 10 points per Rs 100 on departmental stores, movies and dining and 20 reward points per Rs 100 spent on their birthday.
How much is the interest rate on outstanding balance for SBI Prime Credit Card?
The interest rate on outstanding balance for SBI Prime Credit Card is 3.35% per month or 40.2% per annum.
