Premium rewards credit card for travellers, shoppers, and lifestyle enthusiasts with lounge access and milestone benefits
₹3,000 E-Gift Voucher
8 Complimentary domestic & 4 Priority Pass international Lounge Visits Per Year
Accelerated Points in the Birthday Month
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| Benefit | Details |
|---|---|
| Annual Fee | ₹2,999 (one-time) |
| Renewal Fee | ₹2,999 from the second year onwards (waived on ₹3 lakh annual spends) |
| Welcome Benefit | E-gift voucher worth ₹3,000 from Bata/Hush Puppies, Pantaloons, Shoppers Stop, or Yatra.com |
| Milestone Benefits | Pizza Hut voucher ₹1,000 on ₹50,000 quarterly spend; ₹7,000 e-voucher on ₹5 lakh annual spend |
| Accelerated Rewards | 20 points per ₹100 on utility bill payments (capped at 3,000 points/month); 10 points per ₹100 on dining, departmental stores, grocery, movies |
| Lounge Access | 8 complimentary domestic lounges/year; 4 international Priority Pass lounges/year (max 2/quarter) |
| Birthday Benefit | 20 reward points per ₹100 on birthday (capped at 2,000 points/year) |
| Membership Benefits | Free Trident Privilege Red Tier & Club Vistara Silver membership |
| Attribute | Classification |
|---|---|
| Issuer/Provider | SBI Cards and Payment Services Limited |
| Bank / Non-bank | Bank-affiliated |
| Category | Rewards & Travel |
| Type of Card | Visa/Mastercard |
| Free or Paid | ₹2,999 Annually |
| Primary Focus | Premium Lifestyle & Travel |
The SBI Card PRIME Advantage is one of the best options for travellers, shoppers, and lifestyle enthusiasts seeking premium benefits and exclusive perks. Designed for high-value spenders, this card offers exciting rewards across multiple categories and provides generous lounge access for a comfortable travel experience.
Accelerated Reward Earning: Earn 20 reward points per ₹100 on utility bill payments and 10 points on dining, departmental stores, groceries, and movie spending.
Generous Lounge Access: Enjoy 8 complimentary domestic lounge visits and 4 international Priority Pass lounge visits per year for comfortable travel.
Premium Welcome Benefit: Receive an e-gift voucher worth ₹3,000 from top brands, including Yatra.com, for shopping or travel.
Milestone Rewards: Get Pizza Hut vouchers on quarterly spends and premium e-vouchers on annual spending milestones.
Birthday Benefits: Earn accelerated rewards on your birthday with 20 points per ₹100 spent (capped at 2,000 points/year).
Membership Inclusions: Free Trident Privilege Red Tier membership and Club Vistara Silver membership with exclusive perks.
Flexible Redemption: Redeem reward points as cashback at a conversion rate of 4 points = ₹1.
Accelerated Rewards:
Utility Bill Payments (Standing Instructions): 20 reward points per ₹100 (capped at 3,000 points/month)
Dining, Departmental Stores, Grocery & Movies: 10 reward points per ₹100
All Other Retail Spends (except fuel): 2 reward points per ₹100
Reward Redemption:
4 reward points = ₹1 cashback
Redeem through the SBI Card website or mobile app
Reward redemption fee: ₹99 per transaction
UPI & Fuel:
Fuel transactions are not eligible for reward points
UPI transactions are eligible for core rewards only
E-gift voucher worth ₹3,000 from Bata/Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop, or Yatra.com
Voucher options sent via SMS within 15 days of annual fee payment
Voucher delivery within 5 days of request
Annual Spending Milestones:
₹50,000 quarterly spend: Pizza Hut e-voucher worth ₹1,000
₹3 lakh annual spend: Renewal fee waived
₹5 lakh annual spend: E-gift voucher worth ₹7,000 from Yatra.com or Pantaloons
Earn 20 reward points per ₹100 spent on your birthday (one day before, on your birthday, and one day after)
Capped at 2,000 reward points per calendar year
Domestic Lounge Access:
8 complimentary visits per year to the Domestic VISA/Mastercard lounges in India
Maximum 2 visits per quarter
International Lounge Access:
4 complimentary visits per year to International Priority Pass lounges outside India
Maximum 2 visits per quarter
Call the SBI Card helpline for Priority Pass arrangements
Free Trident Privilege Red Tier Membership
1,000 welcome points on registration
1,500 bonus points on first stay
₹1,000 hotel credit on extended night stay
10% instant savings on bookings throughthe hotel website
10 points for every ₹100 spent (excluding taxes) at participating hotels
Free Club Vistara Silver Membership
9 Club Vistara Points for every ₹100 spent on all Vistara flights
1 complimentary lounge access voucher
1 upgrade voucher
Mastercard:
4 complimentary rounds on green fees and up to 50% off on golf games
1 complimentary golf lesson per month at select golf courses
Up to 15% discount on room rates and F&B at Lalit Hotels
Visa:
Up to 10% savings on Hertz car rental
Up to 35% discount on Avis car rentals
Exclusive benefits across 900 luxury hotels worldwide
Fuel Surcharge Waiver: 1% waiver on transactions ₹500-₹4,000 (maximum ₹250/month)
Flexipay: Convert purchases of ₹2,500+ into easy EMIs
Balance Transfer on EMI: Lower interest rates on outstanding balances
Emergency Card Replacement: Available 24/7 worldwide
Fraud Liability Cover: ₹50 lakh air accident cover & ₹1 lakh fraud cover
Contactless Payments: Secure chip-and-PIN-enabled card
| Fee Type | Amount | Details |
|---|---|---|
| Annual Fee | ₹2,999 | One-time charge when the card is issued |
| Renewal Fee | ₹2,999 | Per annum from the second year onwards (waived on ₹3 lakh annual spends) |
| Add-on Card Fee | Nil | No charge for supplementary cards (up to 2 family members) |
| Finance Charges | 3.50% per month (42% per annum) | Interest on outstanding balance |
| Reward Redemption Fee | ₹99 | Per redemption request |
| Late Payment Charges | Variable | Nil (<₹500); ₹400 (₹501-₹1,000); ₹750 (₹1,001-₹10,000); ₹950 (₹10,001-₹25,000); ₹1,100 (₹25,001-₹50,000); ₹1,300 (>₹50,000) |
| Cash Advance Fee | 2.5% (min. ₹500) | Domestic and international ATMs |
| Foreign Currency Transaction Fee | 3.50% | On international transactions |
| Cheque Payment Fee | ₹100 | Per cheque payment |
| Statement Request Fee | ₹100 | Per statement older than 2 months |
| Over Limit Fee | 2.5% (min. ₹600) | Of the over-limit amount |
| Criteria | Details |
|---|---|
Age (Salaried) | Minimum 21 years, Maximum 70 years |
Age (Self-Employed) | Minimum 25 years, Maximum 70 years |
Residency | Indian citizen only |
Minimum Monthly Income | ₹75,000+ |
Credit Score | Good credit history and repayment record preferred |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card, Passport, Driving Licence, or Voter ID |
| Address Proof | Passport, Driving Licence, Voter ID, Ration Card, or Aadhaar Card |
| Income Proof | Salary slip, Form 16, or Income Tax Return (ITR) |
| Photograph | Passport-size photograph (recent) |
Step 1: Click on Apply Now. Hit the 'Apply Now' button to start your application.
Step 2: Fill in Your Details: Enter your personal, contact, and financial details in the application form.
Step 3: Upload Required Documents: Upload your PAN card, Aadhaar/Address Proof, and Income Proof.
Step 4: Submit Your Application: Review all the details and click Submit.
Step 5: Approval & Card Delivery: Once approved, your SBI Card PRIME Advantage will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Utility Bill Rewards | Pay utility bills via standing instructions to earn 20 points per ₹100 (capped at 3,000/month) |
Dining and Entertainment Spends | Use the card for dining, departmental store, grocery, and movie purchases for 10 points per ₹100 |
Redeem Reward Points | Convert accumulated points as cashback at ₹0.25 per point through the SBI Card app/website |
Utilise Lounge Benefits | Present your card at participating airport lounges for complimentary access (8 domestic + 4 international/year) |
Birthday Month Spending | Maximise spending on your birthday month to earn accelerated 20 points per ₹100 (capped at 2,000/year) |
Travel with Vistara | Earn 9 Club Vistara Points per ₹100 on all Vistara flight bookings |
Hotel Bookings | Book through the Trident Privilege website for 10% savings and accumulate points |
Car Rentals | Enjoy 10% savings on Hertz and up to 35% on Avis car rentals |
Track Rewards | Monitor spending and reward points through the SBI Card mobile app or online portal |
Flexipay Conversions | Convert transactions over ₹2,500 to EMIs within 30 days of purchase |
The SBI Card PRIME Advantage 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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