Welcome Benefit: Users will get a voucher worth Rs 3,000 from one of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com.; FreeTrident Privilege Red Tier Membership. Exclusive 1,000 welcome points on registration and 1,500 bonus points on first stay & additional Rs 1,000 hotel credit on extended night stay.
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City Union Bank SBI Card Prime
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get a voucher worth Rs 3,000 from one of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com.; FreeTrident Privilege Red Tier Membership. Exclusive 1,000 welcome points on registration and 1,500 bonus points on first stay & additional Rs 1,000 hotel credit on extended night stay.
Milestone Benefits
Milestone Benefits:Users will get a free Pizza Hut voucher worth Rs 1,000 on achieving spends of Rs 50,000 in a calendar quarter. Reversal of renewal fee on annual spends of Rs Rs 3 Lakhs. Gift voucher worth Rs 7,000 from Yatra.com or Pantaloons for achieving annual spending of Rs Rs 5 Lakhs.
Cashback Rate
Users will get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. Effective special cashback rate: 2.5%.
Value of 1 reward point = INR 0.25.
20 reward points per INR 100 spent on standing instructions of utility bill payments. Effective utility bill payment cashback rate: 5%.
2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%.
20 reward points per INR 100 spent on the birthday (reward points on the birthday spend (one day before, on the birthday and one day after) is capped at 2000 reward points per calendar year).
Movie Benefits
Reward System: Users will get 10 reward points per Rs 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = Rs 0.25. Effective special cashback rate: 2.5%
Dining Benefits
Reward System: Users will get 10 reward points per Rs 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = Rs 0.25. Effective special cashback rate: 2.5%
Other Benefits
Free Trident Privilege Red Tier Membership. Exclusive 1,000 welcome points on registration and 1,500 bonus points on first stay & additional INR 1,000 hotel credit on extended night stay.
Free Club Vistara Silver membership. 1 free upgrade voucher. 9 Club Vistara points for every INR 100 spent on Vistara flights.
Lounge Access
4 free visits per calendar year to International priority pass lounges, outside India (max. 2 visits per quarter)
8 complimentary visits per calendar year to domestic lounges in India (max. 2 visits per quarter).
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get a voucher worth Rs 3,000 from one of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com.; FreeTrident Privilege Red Tier Membership. Exclusive 1,000 welcome points on registration and 1,500 bonus points on first stay & additional Rs 1,000 hotel credit on extended night stay.
Milestone Benefits
Milestone Benefits:Users will get a free Pizza Hut voucher worth Rs 1,000 on achieving spends of Rs 50,000 in a calendar quarter. Reversal of renewal fee on annual spends of Rs Rs 3 Lakhs. Gift voucher worth Rs 7,000 from Yatra.com or Pantaloons for achieving annual spending of Rs Rs 5 Lakhs.
Cashback Rate
Users will get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. Effective special cashback rate: 2.5%.
Value of 1 reward point = INR 0.25.
20 reward points per INR 100 spent on standing instructions of utility bill payments. Effective utility bill payment cashback rate: 5%.
2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%.
20 reward points per INR 100 spent on the birthday (reward points on the birthday spend (one day before, on the birthday and one day after) is capped at 2000 reward points per calendar year).
Movie Benefits
Reward System: Users will get 10 reward points per Rs 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = Rs 0.25. Effective special cashback rate: 2.5%
Dining Benefits
Reward System: Users will get 10 reward points per Rs 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = Rs 0.25. Effective special cashback rate: 2.5%
Other Benefits
Free Trident Privilege Red Tier Membership. Exclusive 1,000 welcome points on registration and 1,500 bonus points on first stay & additional INR 1,000 hotel credit on extended night stay.
Free Club Vistara Silver membership. 1 free upgrade voucher. 9 Club Vistara points for every INR 100 spent on Vistara flights.
Lounge Access
4 free visits per calendar year to International priority pass lounges, outside India (max. 2 visits per quarter)
8 complimentary visits per calendar year to domestic lounges in India (max. 2 visits per quarter).
Fees & Charges
Joining Fee
INR 2,999 + Taxes
Annual Fee
INR 2,999 + Taxes
Cash Advance Fee
Cash Advance fees: 2.5% or Rs. 500
Interest rate
Interest Rate: Up to 3.50% per month (42% per annum)
Late Payment Fee
Late Payment charges: 0 to 1300.
Foreign Currency Transactions Fee
3.50%
Other Fees
Renewal Fee (per annum): INR 2,999 + Taxes. | Reward Redemption Fees: INR 99/- per redemption.
Fees & Charges
Joining Fee
INR 2,999 + Taxes
Annual Fee
INR 2,999 + Taxes
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Interest Rate: Up to 3.50% per month (42% per annum)
Late Payment Fee
Late Payment charges: 0 to 1300.
Foreign Currency Transactions Fee
3.50%
Other Fees
Renewal Fee (per annum): INR 2,999 + Taxes. | Reward Redemption Fees: INR 99/- per redemption.
Special Features
Free Club Vistara membership.
Eligibility Criteria
Age: 18 years to 60 years old.
Occupation: Salaried or self-employed.
Credit Score: Good credit history is preferred.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
There are three major ways to apply for the Central Bank Of India SBI Card Prime:
1. Online:
This is fast and easy method.
Visit the SBI Card website.
Choose the "Credit Cards" tab and navigate to Central Bank Of India SBI Card Prime SBI Card Prime.
Click on "Apply Now" button and fill out the online application form with all your details.
Upload the requisite documents, such as proof of identity, proof of address, and proof of income.
Submit the application form.
2. Offline:
This method involves visiting a Central Bank Of India branch.
Ask for the Central Bank Of India SBI Card Prime application form.
Fill out the form with all of your details.
Attach the requisite documents.
Submit the application form to the bank.
3. By Phone:
Contact the SBI Card helpline at 1860-180-1290 or 3902-0202.
Request for an Central Bank Of India SBI Card Prime application form.
The bank will then send you the form by courier.
Fill out the form with all of your details.
Attach the requisite documents.
Send the completed application form back to the bank.
Contact Details
l 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)
Account Opening and Procedure
The card offers great welcome benefits and milestone benefits. It also offer great value add benefits and free airport lounge visits. However, the card has a low cashback rate. Overall, the card is good bundle if you are ok with compromising on low cashback percentage.
The card offers great welcome benefits and milestone benefits. It also offer great value add benefits and free airport lounge visits. However, the card has a low cashback rate. Overall, the card is good bundle if you are ok with compromising on low cashback percentage.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai