SBI Prime credit card review

SBI Cards offers a quite good range of credit cards from entry-level credit cards to super-premium credit cards. One of the premium credit cards offered by it is the SBI Prime Credit Card. Before you apply for any credit card you need to identify your needs and spending habits first and then choose the card that compliments them. Keep reading to kick start your research. 

SBI Prime credit card
SBI Prime credit card

In this article, we have covered the SBI Prime Credit Card review so that you can make an informed decision.


  • Fees: You can vouch for the SBI Prime Credit Card at Rs. 2,999 plus applicable taxes. The same amount will be paid at the time of renewing the credit card. The renewal fee will be waived if you spend Rs. 3 lakhs in a year.
  • Welcome Gift: The credit card issuer welcomes you with a gift voucher worth Rs. 3,000 from any one of Bata, Pantaloons, Shoppers Stop, etc. You can redeem the voucher to maximize your benefits with this credit card. 
  • Rewards: The credit cardholder can earn 10 reward points on every Rs. 100 spent on dining, groceries, departmental stores, and movie purchases. While on all other retail spendings you get to earn 2 reward points. 
  • Travel Benefits: With this credit card you get to enjoy 8 complimentary domestic lounge access every year and with Priority Pass Membership you get to enjoy 4 complimentary airport lounge access. 
  • Movie & Dining Benefits: When it comes to dining benefits you get to earn reward points as well as save 25% on dining bills at partner restaurants. But you do not get any other offer on movies apart from the reward points.
  • Fuel Benefits: With this credit card you get a 1% fuel surcharge waiver on all fuel transactions between Rs. 500 to Rs. 4,000. The maximum surcharge waiver is capped at Rs. 250 in a month. 
  • Other Benefits: The credit cardholder gets to enjoy the insurance benefits, free add-on credit card, SBI YONO, etc. 

Bottom Line:

To summarise, we hope that from the above review of the SBI Prime Credit Card you are now able to make a decision whether you would like to apply for it or not. This credit card is definitely worth considering as you get to enjoy the shopping and travel benefits along with other benefits. You need to understand how important it is for you to use a card carefully so that you derive the benefits. Always remember to adhere to the timely repayment cycles and a low credit utilization ratio. A credit card can either prove to be your friend in need or the biggest nightmare you ever had, it all depends on how you use a credit card. 

If you have any queries do comment below, we would love to address them to the best of our expertise and as soon as possible. You can also share your experience with the SBI Prime Credit Card in the comment section for other readers so that they can get an idea about it. 

Additional Reading: What are the requirements for getting your first credit card?  

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