Skip to content
OnePaisa — Smart Finance for India
Credit Cards
LifestylePremiumVisaRuPay✦ Punjab and Sind Bank

PSB SBI Card PRIME

Annual fee₹2,999Waived on ₹3.0L spend
RewardsEarn 2 reward points per Rs. 100 on all other retail spends, except fuel
Forex markup3.5%3.5% on all foreign currency transactions
View OfferTalk to OnePaisa
Secure · Free · No spam calls

Independent comparison platform. Not affiliated with State Bank of India. Full disclaimer

Welcome benefits

worth ₹3,000

e-Gift Voucher worth ₹3,000

Type
Voucher
Partner
multiple

Rewards

Base earn rate

Earn 2 reward points per ₹100 on all other retail spends, except fuel

Excludes: Fuel

CategoryDetails
Utility bill payment standing instructionsGet 20 Reward Points on utility bill payment standing instructions. After 3000 points, earn 2 Reward Points for every Rs. 100 spent.
Dining departmental stores groceryGet 10 reward points on dining, departmental stores and grocery spends
Birthday spendsEarn 20 Reward Points per Rs. 100 on birthday spends (valid one day before, on, and one day after your birthday) Reward Points capped at 2,000 per calendar year

Redemption options

Statement credit:Pay your outstanding card bill using reward points. 4 Reward Points = Re. 1
  • • Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
  • • Redemption fee: ₹99

Milestone benefits

  • Pizza Hut e-Voucher worth Rs. 1,000
  • Renewal fee waived
  • e-Gift Voucher from Yatra.com/Pantaloons

Lounge access

Domestic

8visits / year

  • Max 2 per quarter

International

Priority Pass

4complimentary visits

  • Membership value USD 99
Priority Pass lounge programme →

Fees & charges

Joining fee
₹2,999 + taxes
Annual / renewal fee
₹2,999 + taxes from second year onwards
Annual fee waiver
Renewal fee waived on annual spends of ₹3 lakhs
Add-on card fee
Nil
Interest rate
Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period
50 days
Cash advance fee
2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee
2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour
In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup
3.5% on all foreign currency transactions
DCC markup
3.50%
Reward redemption
₹99 per redemption
Fuel surcharge
1% waiver, on ₹500–₹4000 txns, max ₹250/cycle

Late payment

Outstanding amountLate fee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹1,000₹500
₹1,001 – ₹10,000₹750
₹10,001 – ₹25,000₹950
₹25,001 – ₹50,000₹1,100
Above ₹50,001₹1,300

Insurance covers

Fraud liability

₹1L

Complimentary credit card fraud liability cover of Rs. 1 lakh. Coverage applies from 48 hours before reporting the loss up to 7 days after reporting.

Features

✓ Contactless✓ Chip & PIN✓ International usage✓ Emergency replacement

Additional features

  • Utility Bill Payment Facility
  • Flexipay - Convert purchases into EMIs

No rewards on

Fuel

🎯 Not sure this card is right for you?

Try our Card Finder — get personalized picks in 30 seconds.

Find My Card →

Explore related credit cards

All State Bank of India cards →Best UPI RuPay Cards →Best Lounge Access Cards →Best Travel Cards →

Similar Credit Cards

Browse all credit cards →
VISA
SState Bank of India

BPCL SBI Card Octane

Joining₹1.5K
Annual₹1.5K/yr
Reward0.25%Assumes Shop n Smile / BPCL fuel redemption (4 RP = Rs.1)
Credit
  • 13X reward points on BPCL fuel spends
  • 2X reward points on dining, movies & grocery
  • 1X reward point per ₹100 on other spends
Apply Now

🔒 Secure & Free

VISA
SState Bank of India

IRCTC SBI Card Premier

Joining₹1.5K
Annual₹1.5K/yr
Reward0.80%Assumes 1 Reward Point = INR 1 per issuer T&C, stated as the statement-debit adjustment conversion value (“1 Reward point = INR 1”); IRCTC SBI Card Premier points are transferred monthly to the IRCTC loyalty account for redemption toward railway/complimentary tickets.
Apply Now

🔒 Secure & Free

VISA
SState Bank of India

OLA Money SBI Card

JoiningFREE
AnnualFREE
Reward1% Reward Points on all other spends
No longer offered

State Bank of India is no longer accepting applications for this card.

📖 Guides about this card

🔧 Useful tools