The SBI Card PRIME is a premium credit card from State Bank of India (SBI) that offers a host of luxury benefits, rewards, and privileges designed for those who seek a high-end experience. Whether it’s exclusive shopping offers, travel privileges, or dining discounts, the SBI Card PRIME is tailored for individuals who want to enjoy a lifestyle enriched with convenience and premium services. With its attractive reward points program and exclusive perks, this card is an excellent choice for both regular spenders and luxury seekers.
Key Features and Benefits
- Welcome Benefits
- Receive 5,000 reward points as a welcome gift upon card activation.
- Enjoy exclusive voucher offers from top brands on your first few spends.
- Reward Points Program
- Earn 2 reward points per ₹100 on all purchases made with the SBI Card PRIME.
- Earn 10 reward points per ₹100 on selected categories like dining, groceries, and movies.
- Milestone Benefits
- Get 5,000 reward points upon spending ₹1,00,000 within a year.
- Enjoy complimentary gifts or vouchers as you hit spend milestones, adding even more value to your card usage.
- Travel Benefits
- Enjoy complimentary airport lounge access (both domestic and international) with 2 free visits every quarter.
- Exclusive air travel insurance coverage for cardholders, including accidental death, lost baggage, and trip cancellation benefits.
- Dining Delights Program
- Get up to 15% discount at more than 3,000 partner restaurants across India under the SBI Card Dining Delights Program.
- Exclusive Shopping Offers
- Enjoy discounts, cashback, and exclusive offers on shopping through partner brands like Amazon, Flipkart, and more.
- Fuel Benefits
- Get 1% fuel surcharge waiver at petrol stations across India on fuel purchases of ₹400 to ₹5,000.
- EMI Conversion Option
- Convert your big-ticket purchases into easy EMIs with flexible repayment options at attractive interest rates.
- Contactless Payment Technology
- The SBI Card PRIME is equipped with contactless payment technology, making transactions faster and more secure.
Fees and Charges
- Joining Fee: ₹2,999 (plus applicable taxes).
- Annual Fee: ₹2,999 (plus applicable taxes), which can be waived if the annual spend exceeds ₹3,00,000.
- Interest Rate: 3.35% per month (or 40.2% per annum) on outstanding balances.
- Late Payment Fee: ₹100 to ₹1,000 depending on the outstanding balance.
Eligibility and Documentation
Eligibility Criteria:
- Age: Applicants must be between 21 and 70 years of age.
- Income: A stable monthly income or annual income, as per the bank’s criteria, is required for eligibility.
- Credit Score: A good credit score (usually above 750) is recommended for approval.
Documents Required:
- Proof of Identity: PAN Card, Aadhaar Card, Passport, etc.
- Proof of Address: Utility bills, Voter ID, or Passport.
- Proof of Income: Salary slips, bank statements, or Income Tax Returns (ITR).
Why Choose the SBI Card PRIME?
- Comprehensive Rewards Program: Earn generous reward points for all your purchases, especially for spending in categories like dining and entertainment.
- Exclusive Privileges: From complimentary lounge access to air travel insurance, this card offers premium services that enhance your travel and lifestyle experience.
- High-Value Milestone Benefits: The card rewards you with milestone benefits, ensuring that you get more as you use the card regularly.
- Dining and Shopping Perks: Get discounts and offers on dining, shopping, and more, making it an ideal choice for those who enjoy indulging in luxury and leisure.
- Flexible EMI Options: Convert large purchases into easy installments to manage your finances better.
How to Apply?
- Online Application:
- Visit the SBI Card website and navigate to the SBI Card PRIME section.
- Fill out the online application form and submit the required documents for identity verification.
- Offline Application:
- Visit an SBI branch near you to apply in person. Make sure to carry all necessary documents.
- Approval and Delivery:
- Once your application is approved, the SBI Card PRIME will be dispatched to your registered address.
Conclusion
The SBI Card PRIME is a perfect choice for individuals who want to enjoy a premium lifestyle with attractive rewards, exclusive travel benefits, and enhanced shopping privileges. With its extensive benefits ranging from luxury shopping offers to travel-related perks like airport lounge access and travel insurance, this card is designed to cater to the needs of those who appreciate the finer things in life.
If you’re looking for a credit card that provides unparalleled value for your lifestyle and spending habits, the SBI Card PRIME is an excellent choice. Apply today and start enjoying the luxury of premium rewards, savings, and exclusive privileges!
