Premium rewards for everyday spending
10X Reward Points on dining, groceries & more
8 Domestic Lounge Access per year
Welcome e-gift Voucher worth ₹3,000
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| Benefit | Details |
|---|---|
| Accelerated Rewards | Earn 10 Reward Points per ₹100 on dining, groceries, movies and departmental stores. |
| Welcome Gift | Receive an e-gift voucher worth ₹3,000 from select brands upon payment of the joining fee. |
| Milestone Benefits | Get a Pizza Hut e-voucher worth ₹1,000 on quarterly spends of ₹50,000. |
| Annual Fee Waiver | Annual fee of ₹2,999 + GST, waived on annual spends of ₹3 lakh or more. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, with a maximum benefit of ₹250 per statement cycle. |
| Lounge Access | 8 complimentary domestic lounge access per year and 2 international lounge access (after issuance of the Priority Pass and issuers terms and conditions) |
| Birthday Bonus | Earn 20 Reward Points per ₹100 spent on the birthday (one day before, on and one day after). |
| Travel Benefits | Access exclusive travel privileges, including attractive savings on international car rental services like Hertz and Avis, special discounts at IHG hotels and resorts, and 15% cashback on flight and hotel bookings through MakeMyTrip. Additionally, enjoy up to 20% savings when booking self-drive car rentals via ZoomCar. |
| Lifestyle Benefits | Benefit from rewarding lifestyle offers such as cashback deals at popular fashion and lifestyle brands through RuPay, along with exclusive partner discounts that enhance everyday shopping and leisure experiences. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | SBI Card & Payment Services Ltd. in partnership with Punjab & Sind Bank |
| Bank / Non-bank | Bank-affiliated (Co-branded) |
| Category | Lifestyle / Rewards / Travel |
| Type of Card | VISA |
| Free or Paid | ₹2,999 Annually (waived on spends of over ₹3L) |
The PSB SBI Card PRIME is designed for individuals who value lifestyle privileges and seek substantial rewards on everyday spending. Launched through a collaboration between Punjab & Sind Bank and SBI Card, this card caters to mass premium customers looking for an ideal blend of rewards, travel benefits and value-added services. The card is particularly suitable for those who frequently dine out, shop at groceries and departmental stores, watch movies, and travel domestically. With accelerated reward points, complimentary airport lounge access, and exclusive memberships, the PSB SBI Card PRIME delivers a comprehensive package for enhancing one's lifestyle experience.
Global Acceptance: The card is accepted at over 24 million outlets worldwide, making it versatile for both domestic and international purchases.
Add-on Cards: Cardholders can empower up to 3 family members (parents, spouse, children or siblings above 18 years of age) with add-on cards at no additional cost, allowing shared benefits and easier expense management.
Utility Bill Payments: Settle electricity, telephone, mobile and other utility bills conveniently using the Easy Bill Pay facility on the PSB SBI Card PRIME.
Balance Transfer on EMI: Transfer outstanding balances from other banks' credit cards to the PSB SBI Card PRIME to avail lower interest rates and repay in easy EMIs, providing financial flexibility.
Flexipay: Convert purchases of ₹2,500 or more into easy monthly instalments within 30 days of the transaction, helping manage expenses efficiently.
Contactless Technology: The card features contactless payment capability, enabling secure and convenient tap-and-pay transactions at merchant outlets without handing over the card.
Enhanced Security: Get enhanced security against counterfeiting and skimming with the chip and PIN-enabled PSB SBI Card PRIME.
Emergency Card Replacement: Get the card replaced anywhere in the world through 24x7 helpline for emergency card replacement, even whilst travelling abroad (facility available for VISA cardholders only).
10X Reward Points: Earn 10 Reward Points per ₹100 spent on:
Dining
Groceries
Movies
Departmental stores
20X Reward Points: Earn 20 Reward Points per ₹100 spent on standing instructions for utility bill payments.
2X Reward Points: Accumulate 2 Reward Points per ₹100 on all other retail purchases.
Birthday Bonus: Earn 20 Reward Points per ₹100 spent on the birthday (one day before, on the birthday and one day after). This benefit is capped at 2,000 Reward Points per calendar year.
Reward points from the PSB SBI Card PRIME can be used only on the SBI Card rewards portal for chosen vouchers and products. They can also be redeemed directly at Landmark stores such as Lifestyle, Home Centre, Max and Spar, where 4 points equal ₹1.
E-Gift Voucher: Receive an e-gift voucher worth ₹3,000 from select brands such as Pantaloons, Shoppers Stop, Bata, and Yatra.com upon payment of the joining fee.
Quarterly Milestone: Get a Pizza Hut e-voucher worth ₹1,000 on achieving spends of ₹50,000 in a calendar quarter.
Annual Fee Waiver: The renewal fee is waived on annual spends of ₹3 lakh or more.
International Lounges: Enjoy international lounge access is available only after receiving the Priority Pass, and is governed by the terms and conditions set by the card issuer.
Domestic Lounges: Get 8 complimentary visits per calendar year (2 visits per quarter) to domestic airport lounges in India.
1% Waiver: Get a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at fuel stations across India.
Maximum Benefit: The maximum waiver is ₹250 per statement cycle.
Air Accident Cover: Get complimentary air accident liability cover of ₹50 lakh (Terms & Conditions apply).
Fraud Liability Cover: Get complimentary credit card fraud liability cover of ₹1 lakh.
Disclaimer: The card features, benefits, application process, and other details mentioned above are accurate at the time of writing but may change without prior notice.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹2,999 + GST | One-time charge when the card is issued. |
| Annual Fee | ₹2,999 + GST | Charged every year from the second year onwards. Waived if annual spends are ₹3,00,000 or more. |
| Add-on Card Fee | ₹0 | No charge for up to 3 supplementary cards for family members. |
| Criteria | Details |
|---|---|
Age | 21 years and above |
Nationality | Must be a resident of India |
Occupation | Salaried / Self-Employed |
Income Requirement | Stable and regular source of income (specific amount at bank's discretion) |
Credit Score | Good credit score (650 or above recommended) |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card, Passport, Aadhaar Card |
| Address Proof | Aadhaar Card (with first 8 digits masked), passport, utility bills, or any valid government-issued address proof |
| Income Proof | Latest salary slip, Income Tax Return (ITR), bank statements for the last 3 months, Form 16, or other relevant documents as per bank policy |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your PSB SBI Card PRIME will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Rewards | Use the card for dining, grocery shopping, movie tickets and departmental store purchases to earn 10X Reward Points. Set up standing instructions for utility bill payments to earn 20X points. |
Redeem Reward Points | Regularly redeem accumulated points for e-gift vouchers, through the SBI Card Rewards Catalogue or online portal. |
Track Spending | Monitor spending and Reward Points through the SBI Card mobile app or online portal to stay informed about rewards accumulation and spending patterns. |
Set Up Alerts | Enable transaction alerts via SMS or email to stay informed about spending, reward accumulation and payment due dates. |
Use Lounge Access | Make the most of complimentary airport lounge access during travel by presenting the card at participating domestic and international lounges (after enrolling for Priority Pass). |
Leverage Milestone Benefits | Plan quarterly and annual spending to achieve milestone thresholds and earn additional vouchers annually. |
Birthday Spending | Maximise the birthday bonus by making significant purchases one day before, on and one day after the birthday to earn 20X points (capped at 2,000 points). |
The PSB SBI Card PRIME is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.
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