A premium credit card designed for rewarding lifestyles and exclusive privileges
1% on ₹500-₹4,000 transactions (max ₹100/month)
20 RP per ₹100 on utility bills (standing instructions); 10 RP per ₹100 on dining, groceries, movies & departmental stores; 2 RP per ₹100 on other spends
e-gift voucher worth ₹3,000 from brands like Yatra.com, Pantaloons, Shoppers Stop, Bata/Hush Puppies
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| Benefit | Details |
|---|---|
| Welcome Gift | Receive an e-gift voucher worth ₹3,000 from brands like Yatra.com, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Bata/Hush Puppies upon payment of the annual fee. |
| Accelerated Rewards | Earn 10 reward points per ₹100 spent on dining, groceries, departmental stores, and movies. |
| Utility Bill Rewards | Get 20 reward points per ₹100 on utility bill payments through standing instructions. |
| Milestone Benefits | Earn e-gift vouchers worth ₹1,000 quarterly (on ₹50,000 spends) and ₹7,000 annually (on ₹5 lakh spends) on meeting spend thresholds. |
| Airport Lounge Access | Enjoy 8 complimentary domestic lounge visits per year (1 per quarter) and 4 International complimentary Priority Pass membership. |
| Insurance Cover | Air accident liability cover of ₹50 lakhs (until Aug 2025) and fraud liability cover of ₹1 lakh. |
| Birthday Benefits | Earn 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. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | Karnataka Bank in partnership with SBI Card & Payment Services Ltd. |
| Bank / Non-bank | Bank-affiliated |
| Category | Rewards / Lifestyle |
| Type of Card | Visa/RuPay |
| Free or Paid | ₹2,999 Annually |
The Karnataka Bank SBI Card PRIME is tailored for individuals seeking premium rewards on everyday spending. This card offers substantial benefits for those who frequently spend on dining, groceries, movies, and departmental stores. With accelerated reward points, milestone benefits, and complimentary airport lounge access, the card provides a comprehensive package for lifestyle-oriented cardholders who value both rewards and travel privileges.
Global Acceptance: The card is accepted at over 24 million outlets worldwide, including 3,25,000 outlets in India, ensuring versatility for both domestic and international transactions.
Add-on Cards: Cardholders can provide supplementary cards to up to 3 family members (parents, spouse, children, or siblings above 18 years of age).
Cash Withdrawals: Access to over 1 million Visa or RuPay ATMs globally provides liquidity when needed.
Utility Bill Payments: The Easy Bill Pay facility allows convenient settlement of electricity, mobile, telephone, and other utility bills directly through the credit card.
Balance Transfer on EMI: Outstanding balances from other banks' credit cards can be transferred to this card at lower interest rates, with repayment through EMIs.
Flexipay: Purchases of ₹2,500 or more can be converted into monthly instalments within 30 days of transaction, providing financial flexibility.
Contactless Payments: The card features Visa payWave/RuPay Contactless technology, enabling secure and convenient tap-to-pay transactions for everyday purchases.
10 Reward Points: Cardholders earn 10 reward points per ₹100 spent on dining at restaurants, groceries, departmental stores, and movie theatres.
20 Reward Points: Accumulate 20 reward points per ₹100 on utility bill payments made through standing instructions.
Birthday Bonus: Earn 20 reward points per ₹100 spent on the cardholder's birthday (one day before, on the birthday, and one day after), capped at 2,000 reward points per calendar year.
Accumulated reward points can be redeemed for various options such as: Gift Vouchers from partner brands and Physical Products from the rewards catalogue.
E-Gift Voucher: New cardholders receive an e-gift voucher worth ₹3,000 upon payment of the annual fee. An SMS is sent within 21 working days of annual fee payment to select the preferred voucher from brands including Yatra.com, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Bata/Hush Puppies.
Quarterly Benefit: Cardholders receive a Pizza Hut e-gift voucher worth ₹1,000 upon reaching quarterly spends of ₹50,000.
Annual Benefit: On reaching annual spends of ₹5 lakhs, cardholders receive an e-gift voucher worth ₹7,000 from Yatra.com or Pantaloons.
Domestic Lounge Access: The card provides 8 complimentary domestic airport lounge visits per year (1 visit per quarter).
International Lounge Access: The card provides 4 complimentary visits to International Priority Pass Lounges outside India.
Air Accident Cover: Complimentary air accident liability cover of ₹50 lakhs is provided to cardholders (note: this will be discontinued from 11 August 2025).
Fraud Liability Cover: The card includes fraud liability cover of ₹1 lakh, valid for 48 hours prior to reporting loss and up to 7 days post reporting.
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 |
|---|---|---|
| Joining Fee | ₹2,999 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹2,999 + GST | Charged every year. Waived on annual spends of ₹3,00,000 or more. |
| Add-on Card Fee | ₹0 | No charge for up to 3 supplementary cards for family members. |
| Criteria | Details |
|---|---|
Age (Primary Cardholder) | Minimum 18 years, maximum 60 years |
Age (Add-on Cardholder) | Above 18 years |
Occupation | Salaried / Self-Employed |
Income | Minimum monthly income as per bank's assessment (typically ₹18,000 or higher) |
Credit Score | 750 or above recommended for better approval chances |
Other Criteria | Regular source of income, good credit score, valid PAN card, valid Aadhaar card or government-issued address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card (mandatory) |
| Address Proof | Voter ID, driving licence, or passport |
| Income Proof | Income Tax Returns (ITR), salary slips, or bank statement |
| Photographs | Passport-size photographs |
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 Karnataka Bank SBI Card PRIME will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Accelerated Rewards | Use the card for dining, groceries, departmental stores, and movies to earn 10 reward points per ₹100. |
Utility Bill Payments | Set up standing instructions for utility bills to earn 20 reward points per ₹100, effectively providing a 5% return. |
Track Milestone Spends | Monitor spending to achieve quarterly (₹50,000) and annual (₹5 lakhs) milestones for e-gift vouchers. |
Utilise Lounge Access | Present the card at participating domestic and international lounges to enjoy complimentary access. |
Leverage Birthday Bonus | Plan significant purchases around the birthday period (one day before, on, and one day after) to earn 20 reward points per ₹100. |
Redeem Rewards Regularly | Check the rewards catalogue periodically and redeem points for vouchers and merchandise. |
Monitor Spending via App | Download the SBI Card mobile app to track transactions, reward points, and payment due dates. |
Set Up Alerts | Enable transaction alerts via SMS and email to stay informed about spending and prevent fraud. |
The Karnataka 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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