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SBI Card Prime Advantage

Product Details
Credit Card Name : 

SBI Card Prime Advantage

Bank Name :

Stat Bank Of India

Type :

Rewards Credit Card

Interest Rate : 

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

Eligibility :

Basic Requirements:

Age: 18 years to 60 years old.
Occupation: Salaried or self-employed.

Additional Factors:
Credit Score: Good credit history is preferred.
City of Residence: Specific income requirements may vary depending on your city of residence.

SBI Card Prime Advantage
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 club 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 20 Reward Points per INR 100 spent on standing instructions of utility bills payments, with a capping of 3,000 Reward Points per month. Value 1 reward point = INR 0.25. Effective utility bill payment cashback rate 5%. 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%. 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 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%. 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).

International Forex Markup

3.5%.

Welcome Benefits and Reward System
Special Features
Eligibility Criteria

Basic Requirements:

Age: 18 years to 60 years old.
Occupation: Salaried or self-employed.

Additional Factors:
Credit Score: Good credit history is preferred.
City of Residence: Specific income requirements may vary depending on your city of residence.

Benefits

The SBI Prime Credit Card Advantage has many benefits that make it a good choice for people who use their card a fair amount each year and want to earn rewards points and enjoy other benefits. Many good things come from this: The rewards are:

  • For every 100 rupees you spend on anything other than fuel, you'll get 2 reward points.

  • Get 10 times as many credit points on certain things, like eating out, travelling, and shopping online.

  • Get 20 times as many reward points on utility bill payment through credit card.

  • Free admission to both domestic and international lounges.

  • Trident Privilege Red Tier membership are both free.

  • At all petrol pumps in India, purchases between Rs. 500 and Rs. 4,000 will not have to pay the 1% fuel surcharge. This offer is limited to 250 times per month.

  • Free liability coverage for air accidents worth 50 lakh rupees and free liability coverage for credit card fraud worth 1 lakh rupees.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

There are three major ways to apply for the SBI Card Prime Advantage:


1. Online:

  • This is fast and easy method.

  • Visit the SBI Card website.

  • Choose the "Credit Cards" tab and navigate to SBI Card Prime Advantage.

  • 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 SBI branch.

  • Ask for the SBI Card Prime Advantage 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 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
SBI Card Prime Advantage

The card is a feature rich card with multiple value add benefits. The only con of the card is the low general cashback rate of 2.5%. Overall this card is a great value for money deal.

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 2,499 + Taxes

  • Renewal Fee (per annum): INR 2,499 + 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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