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City Union Bank SBI Card Prime

Product Details
Credit Card Name : 

City Union Bank SBI Card Prime

Bank Name :

State Bank Of India

Type :

Rewards Credit Card

Interest Rate : 

3.50% per month (42% per annum) from the transaction date. 

Eligibility :

Age: 18 years to 60 years old.
Occupation: Salaried or self-employed.
Credit Score: Good credit history is preferred.

City Union Bank SBI Card Prime
Pros
  • Welcome Benefit: Gift voucher worth INR 3,000 from  one of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com

  • Milestone Benefits: Get a freePizza Hut voucher worth INR 1,000 on achieving spends of INR 50,000 in a calendar quarter. Reversal of renewal fee on annual spends of INR 3 Lakhs. Gift voucher worth INR 7,000 from Yatra.com or Pantaloons on achieving annual spends of INR 5 Lakhs.

  • Get free Trident Privilege Red Tier Membership. Get exclusive 1,000 welcome points on registration and get 1,500 bonus points on your first stay & additional INR 1,000 hotel credit on extended night stay.

  • Get free Club Vistara Silver membership. Get 1 free upgrade voucher. Get 9 lub Vistara Points for every INR 100 spent on Vistara flights

  • Get 4 free visits per calendar year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)

  • Get 8 complimentary visits per calendar year to domestic lounges in India (max. 2 visits per quarter).

  • Reward System: Get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = INR 0.25. Effective special cashback rate: 2.5%. Get 20 Reward Points per INR 100 spent on standing instructions of utility bills payments. Effective utility bill payment cashback rate: 5%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 

  • Enjoy 20 reward points per INR 100  spent on birthday (reward points on birthday spends (one day before, on birthday and one day after) is capped at 2000 Reward points per calendar year).

Cons

Low general cashback rate.

Pros & Cons
Welcome Benefits

Welcome Benefit: Gift voucher worth INR 3,000 from  one of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com.

Rewards System

Reward System: Get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = INR 0.25. Effective special cashback rate: 2.5%. Get 20 Reward Points per INR 100 spent on standing instructions of utility bills payments. Effective utility bill payment cashback rate: 5%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 

International Forex Markup

3.5%.

Welcome Benefits and Reward System
Special Features
Eligibility Criteria

Age: 18 years to 60 years old.
Occupation: Salaried or self-employed.
Credit Score: Good credit history is preferred.

Benefits
  • Great travel benefits. 

  • Free movie tickets.

  • Free domestic and international lounge visits.

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
City Union Bank SBI Card Prime Review

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

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

Product Review
Fees & Charges
  • Annual Fee (one time): INR 2,999 + Taxes

  • Renewal Fee (per annum): INR 2,999 + Taxes.

  • Cash Advance fees: 2.5% or Rs. 500 whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs

  • Interest Rate: Up to 3.50% per month (42% per annum) from the transaction date. 

  • Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000  up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000. 

  • Reward Redemption Fees: INR 99/- per redemption. 

Fuel Surcharge

1% Fuel Surcharge waiver for each transaction between Rs.500 and Rs.4,000. Maximum Surcharge waiver of Rs.250 per statement cycle, per credit card account.

Billing Cycle

30 Days

Fees & Charges
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