The premium lifestyle card for comprehensive rewards
1% on ₹500-₹4,000 transactions (max ₹250/statement cycle)
20 RP per ₹100 on utility bills (standing instructions); 10 RP per ₹100 on groceries, dining, movies & departmental stores; 2 RP per ₹100 on other spends
e-Gift voucher worth ₹3,000 from top brands
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| Benefit | Details |
|---|---|
| Welcome Gift | Receive an e-Gift voucher worth ₹3,000 from top brands upon payment of the joining fee. |
| Enhanced Reward Points | Earn 10 reward points per ₹100 spent on groceries, dining, departmental stores, and movies. |
| Birthday Benefits | Get 20 reward points per ₹100 spent on birthday (one day before, on birthday, and one day after), capped at 2,000 points per calendar year. |
| Utility Bill Rewards | Earn 20 reward points per ₹100 spent on standing instructions of utility bills. |
| Airport Lounge Access | Enjoy 8 complimentary visits per year to domestic lounges in India and 4 visits to international Priority Pass lounges outside India. |
| Milestone Benefits | Receive a Pizza Hut e-Voucher worth ₹1,000 on spending ₹50,000 in a quarter and an e-Gift Voucher worth ₹7,000 from Yatra.com/Pantaloons on annual spends of ₹5 lakhs. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, with maximum benefit of ₹250 per statement cycle. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | SBI Cards and Payment Services Ltd. (in partnership with City Union Bank) |
| Bank / Non-bank | Bank-affiliated |
| Category | Lifestyle / Premium Rewards |
| Type of Card | Visa / RuPay |
| Free or Paid | ₹2,999 Annually + Taxes |
The City Union Bank SBI Card PRIME is designed for individuals seeking premium lifestyle benefits without the hefty price tag of super-premium cards. This card is particularly suitable for frequent travellers who value airport lounge access, both domestically and internationally. It offers substantial rewards on everyday spending categories such as groceries, dining, and movies, making it an excellent choice for families and individuals who regularly spend in these segments.
Global Acceptance: Use the card at over 24 million outlets across the globe, including 325,000 outlets in India, ensuring convenience for both domestic and international purchases.
Add-on Cards: Empower up to three family members (parents, spouse, children, or siblings above 18 years of age) with supplementary cards at no additional cost.
Cash Withdrawals: Access cash from over 1 million Visa/RuPay ATMs worldwide.
Contactless Payments: Make secure contactless transactions with a simple wave at the reader, eliminating the need to hand over the card or search for cash for small purchases.
Chip and PIN Security: Enhanced security against counterfeiting and skimming with the certified chip and PIN-enabled card technology.
Utility Bill Payments: Settle electricity, telephone, mobile, and other utility bills conveniently using the Easy Bill Pay facility.
Emergency Card Replacement: Get the card replaced anywhere in the world with 24x7 helpline support for emergency card replacement whilst travelling abroad (facility available for Visa cardholders only).
Fraud Liability Cover: Complimentary credit card fraud liability cover of ₹1 lakh, valid for a period of 48 hours prior to reporting of loss to 7 days post reporting.
Air Accident Cover: Get complimentary air accident liability cover of ₹50 lakhs (subject to terms and conditions).
Enhanced Reward Categories: Earn 10 reward points per ₹100 spent on specific categories including groceries, dining, departmental stores, and movies, translating to a reward rate of 2%.
Utility Bill Payments: Accumulate 20 reward points per ₹100 spent on standing instructions of utility bill payments for a remarkable 4% reward rate on regular bill payments.
Birthday Bonus: Enjoy 20 reward points per ₹100 spent on birthday purchases (one day before, on birthday, and one day after), with a maximum cap of 2,000 reward points per calendar year.
Exclusions: Reward points are not earned on fuel transactions, cash withdrawals, EMI transactions, and certain other categories as specified in the terms and conditions.
Accumulated reward points can be redeemed through various channels: Gift Vouchers, Products and Merchandise, Statement Credit.
Premium E-Gift Voucher: Receive an e-Gift voucher worth ₹3,000 from top brands including Bata, Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop, and Yatra.com upon payment of the joining fee.
Quarterly Milestone: Achieve spends of ₹50,000 in a calendar quarter to receive a Pizza Hut e-Voucher worth ₹1,000.
Annual Milestone: Reach annual spends of ₹5 lakhs to receive an e-Gift Voucher worth ₹7,000 from Yatra.com or Pantaloons.
Domestic Lounges: Enjoy 8 complimentary visits per calendar year to domestic airport lounges in India across Visa and RuPay lounge networks, with a maximum of 2 visits permitted per quarter.
International Lounges: Benefit from 4 complimentary visits per calendar year to international Priority Pass lounges outside India, with a maximum of 2 visits permitted per quarter.
Priority Pass Membership: Call the SBI Card customer helpline at 1860 180 1290 or 39 02 02 02 (prefix local STD code) to receive the Priority Pass. Only primary cardholders are eligible for Priority Pass membership.
1% Waiver: Get a 1% fuel surcharge waiver on all fuel transactions at petrol pumps across India.
Transaction Range: Valid on transactions between ₹500 and ₹4,000 at any petrol pump in India.
Maximum Benefit: The maximum fuel surcharge waiver is capped at ₹250 per statement cycle.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Annual Fee | ₹2,999 + GST | One-time charge when the card is issued. |
| Renewal Fee | ₹2,999 + GST | Charged from the second year onwards. Waived on annual spends of ₹3,00,000 or more. |
| Add-on Card Fee | ₹0 | No charge for supplementary cards for up to 3 family members. |
| Cash Payment Fee | ₹250 | Fee charged for cash payments made at bank branches. |
| Over Limit Penalty | 2.5% (Min. ₹600) | Charged when spending exceeds the assigned credit limit. |
| Cheque Return Fee | ₹100 | Charged when payment cheque is dishonoured or auto-debit reversal occurs. |
| Foreign Currency Transaction Fee | 3.50% | Charged on the transaction value for international transactions. |
| Fuel Transaction Surcharge | 1% of transaction amount | Refunded for fuel transactions between ₹500 to ₹4,000, maximum benefits up to ₹250 per month. |
| Criteria | Details |
|---|---|
Age (Salaried Individuals) | Minimum 21 years, Maximum 70 years |
Age (Self-Employed Individuals) | Minimum 25 years, Maximum 70 years |
Age (Add-on Cardholders) | Minimum 18 years |
Nationality | Indian resident or Non-Resident Indian (NRI) |
Occupation | Salaried or Self-Employed with stable source of income |
Credit Score | 750 or above recommended for better approval chances |
Other Criteria | Regular source of income, good credit history, valid PAN card, valid identity and address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory), Aadhaar Card, Passport, Driving Licence, Voter ID, or any valid government-issued photo ID |
| Address Proof | Aadhaar Card (with first 8 digits masked), Passport, Driving Licence, Utility Bill (not more than 3 months old), Ration Card, or any valid government-issued address proof |
| Income Proof | Latest salary slips (not more than 3 months old), Form 16, last 3-6 months' bank statement, Income Tax Return (ITR) for self-employed, or other relevant documents as per bank policy |
| Photograph | Recent passport-size colour photographs |
| Completed Application Form | Duly filled and signed credit card application form |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your City Union Bank SBI Card PRIME will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Reward Categories | Use the card primarily for groceries, dining, movies, and departmental store purchases to earn 10 reward points per ₹100, delivering the best reward rate. |
Set Up Utility Bill Auto-Pay | Enable standing instructions for utility bill payments to earn 20 reward points per ₹100, the highest reward rate offered by the card. |
Plan Quarterly Spending | Strategically plan spending to reach the ₹50,000 quarterly milestone for Pizza Hut e-Vouchers worth ₹1,000 each quarter. |
Target Annual Milestone | Aim for annual spends of ₹5 lakhs to unlock the ₹7,000 e-Gift voucher from Yatra.com/Pantaloons and simultaneously achieve the annual fee waiver threshold of ₹3 lakhs. |
Utilise Birthday Benefits | Make significant purchases one day before, on, and one day after birthday to maximise the 20 reward points per ₹100 benefit, subject to the 2,000 points annual cap. |
Access Airport Lounges | Plan travel to utilise the 8 domestic and 4 international complimentary lounge visits throughout the year for a comfortable travel experience. |
The City Union Bank SBI Card PRIME is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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