South Indian Bank SBI Card PRIME

The South Indian Bank SBI Card PRIME is one of the best choices for people who love lifestyle spending and want premium rewards on everyday purchases. Designed especially for high spenders who frequently dine out, shop for groceries, watch movies, and visit departmental stores, this card offers exciting rewards and benefits. It's also perfect for travellers who value airport lounge access and premium travel experiences.

Overview

• Co-branded Partnership: Offered by SBI Card in partnership with South Indian Bank, combining the strengths of both financial institutions.

• Global Acceptance: Use your card at over 29 million outlets across the globe, including 3,25,000 outlets in India, making it versatile for both domestic and international purchases.

• Cash Withdrawals: Access cash from over 1 million Mastercard/RuPay ATMs worldwide, ensuring liquidity when needed.

• Utility Bill Payments: Settle electricity, telephone, mobile, and other utility bills conveniently using the Easy Bill Pay facility and earn reward points.

• Flexipay: Convert purchases of ₹2,500 or more into easy monthly instalments within 30 days, helping manage expenses efficiently.

• Balance Transfer on EMI: Transfer outstanding balances from other banks at lower interest rates and repay in easy EMIs, providing financial flexibility.

• Contactless Payments: The card features Mastercard/RuPay contactless technology for quick and secure payments without handing over your card.

• Enhanced Security: Get a chip and pin-enabled card for enhanced security against counterfeiting and skimming.

Rewards and Benefits

Earning Cash Rewards

• 10X Reward Points: Earn 10 reward points per ₹100 spent on: Dining, Groceries, Departmental stores, and Movies

• 20X Reward Points on Standing Instructions: Earn 20 reward points per ₹100 spent on standing instructions for utility bill payments.

• 2X Reward Points: Earn 2 reward points per ₹100 on all other retail spends except fuel.

• Birthday Bonus: Enjoy 20 reward points per ₹100 spent on your birthday (one day before, on your birthday, and one day after).

Note: Reward points on birthday spends are capped at 2,000 reward points per calendar year. The reward program is not applicable to fuel transactions.

Redeeming Cash Rewards

• Cashback: Pay your card outstanding with reward points at 4 reward points = ₹1.

• Gift Vouchers: Redeem reward points for gift vouchers and merchandise through the SBI Card website or mobile app.

Note: Redemption options provide flexibility in how you utilise your rewards, whether for reducing your outstanding balance or obtaining gift vouchers from partner brands.

Generous Welcome Bonus

• Welcome e-Gift Voucher: Receive a ₹3,000 e-gift voucher from any of the following brands upon payment of the joining fee: Bata/Hush Puppies, Aditya Birla Fashion (Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter), Pantaloons, Shoppers Stop, and Yatra.com

• Voucher Delivery: You will receive an SMS to choose from e-gift voucher options within 21 working days of annual fees payment. The e-gift voucher will be sent to your registered mobile number/e-mail ID within 5 days of the request.

Note: For Bata/Hush Puppies, Pantaloons, and Shoppers Stop, you can redeem your e-gift voucher by showing the code at the respective brand store. For Yatra and Shoppers Stop, you can redeem the code online at the time of purchase.

Milestone Benefits

• Quarterly Milestone: Get Pizza Hut e-gift voucher worth ₹1,000 on achieving spends of ₹50,000 in a calendar quarter.

• Annual Milestone: Get e-gift voucher worth ₹7,000 from Yatra.com/Pantaloons on achieving annual spends of ₹5 lakhs.

• Renewal Fee Waiver: Enjoy waiver of renewal fee on annual spends of ₹3 lakhs.

Note: Pizza Hut e-gift voucher will be sent to your registered mobile number within 21 working days of achieving quarterly spends. For Yatra.com/Pantaloons, you will receive an SMS to choose the e-gift voucher option within 21 working days of achieving annual spends.

Complimentary Airport Lounge Access

• Domestic Lounges: 8 complimentary visits per calendar year to domestic lounges in India (maximum 2 visits per quarter).

• International Lounges: 4 complimentary visits per year to international Priority Pass lounges outside India (maximum 2 visits per quarter).

Note: Call customer helpline number 1860 180 1290 or 39020202 (prefix local STD code) to receive your Priority Pass. Domestic lounge access is brought to you by network partners and is subject to change.

Fuel Surcharge Waiver

• 1% Waiver: Get a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all fuel stations across India.

• Maximum Benefit: The maximum waiver is ₹250 per month, per credit card account (plus taxes as applicable).

Insurance Coverage

• Air Accident Liability Cover: Complimentary air accident liability cover of ₹50 lakhs (T&C Apply). Note: With effect from 11 August 2025, this coverage will be discontinued.

• Fraud Liability Cover: Get complimentary credit card fraud liability cover of ₹1 lakh. This cover is valid for a period of 48 hours prior to reporting of loss, to 7 days post reporting of loss.

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.