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South Indian Bank SBI Card PRIME

Premium rewards without the annual fee burden

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
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Welcome benefits

worth ₹3,000

Welcome e-Gift Voucher worth ₹3,000

Type
Voucher
Partner
Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop

Rewards

Base earn rate

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

Prime Rewards

Excludes: Fuel

CategoryDetails
Utility bill payment standing instructionsGet 20 Reward Points on utility bill payment standing instructions
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

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 on spends of ₹50,000Quarterly
  • Renewal fee waived on spends of ₹3,00,000Annual
  • E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on spends of ₹5,00,000Annual

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
View official MITC →

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 eligible purchases into EMIs
  • Balance Transfer on EMI

No rewards on

Fuel

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No longer offered

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

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