SBI CARD PRIME

Credit cards provide easy access to credit and quick payments, making our shopping experience smooth and hassle-free. Among the many options available today, the SBI PRIME Credit Card stands out for its exceptional perks and benefits. Keep reading as we delve into the details of the SBI PRIME Credit Card and discover all the advantages you might be missing out on without this fantastic card

Highlights of the SBI PRIME Card

With the convenience of tap and pay, this amazing card comes packed with a ton of useful features and exciting perks that you can unlock with a nominal annual fee. Before we step into the details of the SBI Card PRIME, let’s take a look at the key highlights of this rewarding credit card:

• Every SBI PRIME Credit Card payment is eligible for Reward Points.
• You can use your Reward Points to claim gifts and vouchers.
• PRIME SBI Cards come with anti-phishing features for the cardholder’s safety.
• You can easily apply for a Credit Card on SBI’s website.
• The SBI PRIME Card membership requires payment of an annual renewal fee of Rs. 2,999.
• A few additional charges must be paid for using the PRIME Credit Card.

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Documents & Eligibility

Government regulations and circulars from the Reserve Bank Of India require banks to be diligent when issuing credit cards. In pursuance of these regulations, the State Bank Of India follows a strict KYC verification for each SBI PRIME Card applicant. An applicant must possess the following proofs in a document form for a successful KYC with the SBI:

• Proof of identity
• Proof of address
• Proof of residence

Any of the following documents can be submitted as valid proof of identity:

• PAN Card
• Aadhaar Card issued by the UIDAI
• Driver’s License
• Passport
• Voter’s ID
• Overseas Citizen Of India Card
• Person Of Indian Origin Card
• NREGA Job Card
• Letter of identity issued by the UIDAI
• Any other government-issued or approved photo ID proof.

The following is a list of documents that can be submitted as a valid proof of address:

• Aadhaar Card
• Driver’s License
• Passport
• Utility bills issued within the previous three months.
• Ration card
• Bank account statement
• Person Of Indian Origin Card
• NREGA Job Card
• Property Registration Document
• Any other government-issued or approved address proof.

You can use any one of the following documents as a valid proof of income:

• Salary slips not more than three months old.
• Bank statement of previous three months.
• Latest Form 16.

Once the required documents are submitted along with an application for the SBI PRIME Credit Card, SBI’s KYC executive verifies the profile and the application to ensure that the applicant meets SBI’s eligibility requirements and proceeds with the application accordingly.

How To Get SBI Card PRIM

The State Bank of India offers a wide range of credit cards, each boasting unique features and benefits. Among these, the SBI PRIME Credit Card stands out with its exceptional advantages. If you're eager to enjoy the perks of the SBI PRIME Card, you can apply directly through SBI's website. Follow the simple steps below to book and receive your SBI PRIME Credit Card:

• Go to the SBI Credit Card portal.
• Select SBI PRIME Credit Card from the list of available cards and tap on ‘Apply Now’.
• Ensure that you have the required documents at your disposal and click on the ‘Start Apply Journey’ button.
• Enter your personal details and select the terms and conditions check box.
• Click on ‘Continue’.
• Verify the OTP sent to your mobile number.
• Enter your professional details and attach the documents required for KYC.
• Follow the on-screen instructions to complete your application.

You will receive your SBI PRIME Credit Card via mail at your registered address within 30 days of application submission.

SBI PRIME Card Benefits

Unbeatable perks and exclusive benefits are the most important reason why people flock to the SBI PRIME Cards! Owing to these perks, almost every amount spent with the PRIME Credit Card is made rewarding. Following is a list of SBI PRIME Credit Card benefits along with a brief explanation of each:

• Welcome Gift: Every SBI PRIME Cardholder receives a welcome gift card upon payment of the annual membership fee. You can choose your gift card from any one of the following brands and the same will be delivered to your registered email/phone number within 5 days:
• Bata
• Hush Puppies
• Pantaloons
• Shoppers Stop
• Yatra.com
• Louis Philippe
• Van Heusen
• Allen Solly
• Peter England
• Planet Fashion
• Simon Carter
• PRIME Rewards: Reward points are one of the main perks of using an SBI PRIME Credit Card, as it incentivizes almost every transaction you make. When you execute a payment through your PRIME Credit Card, you receive Reward Points that are automatically credited to your account. The number of points credited is calculated based on the following valuation:
• 10 Reward Points on every Rs. 100 spent on restaurants, grocery purchases, departmental stores, and movie shows.
• 2 Reward Points for every Rs. 100 spent on other expenses except petrol and diesel.

Once you’ve accumulated an ample Reward Points balance, you can use it to redeem rewards from SBI and pay outstanding credit card bills.

• Lounge Access: Free access to airport lounges up to 4 times a year outside India and 8 times a year within India.
• Milestone Benefits: Milestone benefits are rewarded for crossing a prescribed threshold of payments through your SBI PRIME Card. Following is a list of these threshold amounts:
• Rs. 1,000 Pizza Hut digital voucher for spending Rs. 50,000 in a quarter.
• Rs. 7,000 digital voucher from Yatra.com/Pantaloons for spending Rs. 5,00,000 in a year.
• Waiver of an annual renewal fee of Rs. 2,999 for spending Rs. 3,00,000 in a year.
• Complimentary Club Vistara Silver Membership: Get free enrollment into the Club Vistara loyalty program with a Silver tier membership and one free upgrade voucher.
• Point Booster On Birthdays: The reward points rate increases to 20 Points for every Rs. 100 spent on your birthday and the days immediately following your birthday. The maximum points that can be earned during these three days is capped at 2000 per year.
• Fuel Surcharge Waiver: 1% waiver on fuel surcharge on transactions between Rs. 500 and Rs. 4,000 at all petrol pumps across India.
• 10% discount on booking Hertz car services.
• 35% discount on booking Avis car rental services.
• Exclusive perks on checking in at affiliate hotels across the globe.

Features Of SBI Credit PRIME

In addition to benefits, every SBI PRIME credit card comes loaded with a host of features, each of which serves its unique purpose. Some of these features are meant to improve the user’s experience, while others enhance security and ensure a safe payment experience. Below is a list of these features along with a brief explanation:

• Contactless Payments - SBI PRIME Credit Card is EMV enabled and supports the ‘Tap To Pay’ mode for PIN-free contactless payments.
• Complimentary Insurance Cover - Prepaid insurance and liability coverage on every PRIME SBI Card can be availed in the event of mishaps and fraud.
• Worldwide Acceptance - With SBI Credit Cards accepted at over 24 million stores worldwide, you can travel the globe without ever worrying about your payment options.
• Advanced Security Features - PIN protection with transaction blocking features to prevent fraud and phishing.
• Fast Bill Payments - Quick and secure utility bill payments with rewards.
• Flexipay - SBI PRIME Credit Card allows its holders to convert payments above Rs. 2,500 into smaller monthly instalments via Flexipay.
• Free Add-On Cards - PRIME Card users can avail 2 add-on cards for their family members above 18 years of age.
• Emergency Card Replacement - SBI offers a quick and efficient global card replacement service for instances where your SBI PRIME Credit Card is lost or damaged.

Fees & Charges

It is a common practice for banks to charge different kinds of fees to their Credit card users to promote discipline. Such charges are applicable to the SBI PRIME Card as well and depending on the nature of these charges, they may be one-time, annual, monthly, or quarterly. The following table illustrates the charges that must be paid to avail of SBI PRIME Card benefits:

Using a credit card comes with the obligation of repaying the amount of credit availed during the tenure. If you fail to repay the outstanding amounts, the bank charges a penalty that needs to be paid along with the overdue amount. The penalty amounts for failure to repay overdue amount on SBI Card PRIME are given in the table below:

Conclusion

SBI PRIME Credit Card is a seamless and safe payment tool with rewards on every transaction. From welcome gifts to special birthday reward boosters, the PRIME SBI Card has all the perks you need to make it a no-brainer credit card for all your payments. In addition to the standard PRIME Card, the SBI has collaborated with several reputed brands including Reliance to launch a range of cobranded PRIME credit cards like the Reliance SBI Card PRIME with similar terms and perks. Don’t miss out on this rewarding opportunity, and secure the SBI PRIME Card benefits for you and your family by applying today!

Frequently Asked Questions

Q1. What is the limit of SBI PRIME Credit Card?

Ans. The credit limit of SBI Card PRIME is not universal and varies from person to person, depending upon their income and creditworthiness.

Q2. How to avoid annual fees on SBI PRIME Credit Card?

Ans. You can avoid annual renewal fees on your SBI PRIME Credit Card by making minimum payments of Rs. 3,00,000 in a year.

Q3. How can I claim my SBI PRIME Card welcome gift?

Ans. Within 15 days of paying the joining fee for the PRIME SBI Card, you will receive an SMS alert from SBI prompting you to select a welcome gift from available options. Follow the instructions in the SMS to receive your welcome gift card via email.