एसबीआई कार्ड प्राइम
जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)
Premier salaried lifestyle credit card offering ₹3,000 welcome voucher, 8 domestic + 4 international Priority Pass lounge visits, and ₹11,000 in annual milestone vouchers.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
SBI Card PRIME is a premier salaried lifestyle credit card engineered for mid-to-senior corporate professionals, managers, and frequent domestic/international flyers. It delivers high-impact milestone vouchers, airport lounge access (domestic and international via Priority Pass), and accelerated dining rewards.
e-Gift Voucher worth ₹3,000 from choice of top retail brands: Bata/Hush Puppies, Pantaloons, Shoppers Stop, Aditya Birla Fashion, or Yatra.com.
8 complimentary domestic airport lounge visits per year (max 2 visits per quarter). Complimentary Priority Pass Membership with 4 complimentary international airport lounge visits per calendar year (max 2 visits per quarter).
1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (maximum waiver of ₹250 per statement cycle).
Quarterly Pizza Hut e-voucher worth ₹1,000 on spends of ₹50,000 (up to ₹4,000/year). Yatra.com e-voucher worth ₹7,000 on achieving annual spends of ₹5,00,000. Annual fee waiver on ₹3,00,000 annual spend.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Salaried corporate professionals or established self-employed business owners aged 21 to 70 years.
न्यूनतम वार्षिक आय आवश्यकता
₹6,00,000 per annum (Salaried) / ₹8,00,000 per annum (Self-Employed ITR)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card 2. Proof of Identity & Address (Aadhaar, Passport) 3. Last 3 months' salary slips with Form 16 OR Last 2 years' audited ITR with computation sheet.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Forex markup remains at 3.50%, making it sub-optimal for heavy overseas shopping compared to super-premium cards. Priority Pass complimentary international visits are capped at 4 per year. Annual fee of ₹2,999 requires ₹3 Lakh spend to waive.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sbicard.com/apply or open the YONO SBI app and select SBI Card PRIME. Step 2: Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score). Step 3: Fill online application form with personal, residence, and occupational details (takes 5–10 minutes). Step 4: Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof). Step 5: Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants). Step 6: Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on SBI Card PRIME?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on SBI Card PRIME into EMI?
Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on SBI Card PRIME?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). 10 points per ₹100 equals 2.50% value back. Please note: Reward points expire 24 months (2 years) from the date of accrual.
What is the interest-free grace period on SBI Card PRIME and how does it work?
The interest-free period on SBI Card PRIME is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.