SBI

SBI Prime Advantage Credit Card

SBI Prime Advantage Credit Card offers exclusive prime milestone benefits with an annual fee waiver. Get Trident membership with a 10% discount.

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SBI Prime Advantage Credit Card offers innumerable advantages to users no matter what the minimum or maximum expenditure amount is.

Who doesn’t want to have a mode of payment that would let him/her save on every purchase being made? Everyone out there, right?

SBI prime advantage credit card banner All Image Credit – SBI Cards

SBI Prime Advantage credit card has been introduced to serve this very purpose. Individuals who spend more frequently on shopping get great benefits if they use this SBI card prime version. You can use this credit card for any purchase irrespective of the amount involved.

Want to compare? Visit Compare Credit Cards.

About the SBI Prime Advantage Credit Card

Annual Fee Rs. 2999
Welcome Benefits E-gift voucher worth Rs. 3000 from Bata/Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop and Yatra.com.
Lounge Access Complimentary 4 international & 8 domestic lounge access
Reward Points 4 Reward Points = Rs.1
20 Reward Points per 100 spent on Utility Bills payments
Joining Fee Rs. 2999

 

Given the requirement of this type of SBI card prime option, the SBI has tried keeping the annual fee lenient. The users require paying Rs. 2,999 to own the card.

This amount further becomes the renewal fee to be paid every year to renew the card usage period.

If the annual spend of the cardholders exceeds the limit of Rs. 3 lakh, the annual fee gets waived. This means if you spend more than 3 lakh using this SBI card prime option, you will not have to pay the annual fee for the following year to renew the same.

In addition, for every per Rs 100 spent on any item, there are some savings that you are eligible to make.

Looking for other SBI credit cards? SBI Elite Advantage Credit Card | SBI Prime Credit Card | SBI SimplyClick Credit Card

Features of SBI Prime Advantage Credit Card

SBI Prime Advantage welcome offer

Besides the above-mentioned benefits, there are other features as well that make this SBI card prime version the most sought-after lifestyle credit card for people around the nation and across the globe. Some of them include:

Contactless

Today, every person around the world is trying to maintain a safe distance to avoid contracting the Coronavirus infection.

In such a scenario, it becomes quite difficult for people to buy stuff in exchange for cash, using which would lead to the establishment of one or the other kind of contact with any random person accepting the payment.

In such a complicated time, however, this SBI card prime option has become the best alternative for completely contactless payment. You just need to wave the card and make the payment.

Fast

Gone are the days when you had to wait for the shopkeeper or a person at the cash counter to take your card, swipe it, and process the transaction.

With the help of this SBI card Prime Advantage version, you can wave your card in front of the card reader yourself without having to wait for anyone else to come and do it for you.

It saves your time.

Convenient

This SBI credit card is so developed that people do not panic if they miss out on carrying sufficient cash or coins while they are outside their house.

There are times when you visit a shop and suddenly like to buy something. But then your habit of not carrying cash all the time makes it difficult for you to purchase the item.

This card makes purchases convenient for you as it is valid for amounts as low as Rs. 100 and as big as anything you could think of.

Secure

While using the conventional form of cards, there have been incidents when cardholders have misplaced their card or forgot to collect it from the cash counter post-payment.

As this SBI card Prime Advantage alternative works on the wave and make payment technique, the users hardly have to hand over the card to others. They keep it to themselves and wave that card to process the payment instantly without any chances of misplacement or misuse of the card.

Worldwide Acceptance

This SBI card Prime Advantage version ensures being accepted in both Indian and overseas outlets. It is accepted in more than 24 million outlets across the world, including 3,25,000 Indian outlets.

Fraud Liability Cover

The SBI card Prime Advantage option offers significant coverage against any fraud that is likely to happen. This cover is worth Rs. 1 lakh.

In addition, you get a complimentary air accident liability cover of Rs. 50 lakh as well. This scheme comes with a validity of a period of 48 hours before the loss is reported and it extends to 7 days post the reported loss.

Emergency Card Replacement

The State Bank of India has made replacing credit cards easy enough for people in case the existing one gets damaged. You can get this SBI Prime Advantage card replaced anywhere in the world.

Hence, you don’t need to worry about the card replacement process even when you are traveling overseas. You just need to call the helpline number and your problem will be resolved.

Add-on Cards

Another feature of the SBI card Prime Advantage is that it allows users to apply for add-on cards for their immediate family members, like parents, spouses, children, and siblings.

The only criteria to be met is that the member you are applying the add-on cards for must be 18 years and above in age.

Cash Withdrawal

you can withdraw cash on the go with this SBI card Prime Advantage option. More than one million Visa ATMs around the globe allow easy cash withdrawal for cardholders.

Easy Bill Pay Facility

Utility bills payments have been made easy with this credit card. You can pay electricity, DTH, mobile, and other utility bills with the Easy Utility Bills Payments facilities.

FlexiPay

This is a special feature of most of the SBI credit cards that people use. With the help of this SBI card Prime Advantage feature, cardholders can convert their transactions into easy monthly installments. Your spend needs to be worth Rs. 2,500 or more to convert the amount into EMIs.

To convert the SBI card Prime transactions into installments, make sure you do it within 30 days of the purchase.

Balance Transfer

Do you have outstanding debts scattered all across? If yes, SBI card Prime Advantage has the Balance Transfer feature to help you. How?

It lets you bring all your outstanding credits in one place and convert the total amount into EMIs at a lower interest rate. This way, you will have to focus on paying the outstanding dues resting with only one source.

Benefits of SBI Prime Advantage Credit Card

Apart from offering benefits within the list of features, including utility bills payments, there are many other advantages that the SBI card Prime versions have to offer to users. Some of them include:

Welcome Gifts

As soon as you become a Prime credit card member, you will receive a welcome SMS from the bank on your registered mobile number or email ID accompanied with multiple e-vouchers to choose from within 15 days of the payment of annual fees.

It will be worth Rs. 3,000. You can redeem the voucher for Bata/Hush Puppies, Shoppers Stop, Pantaloons, etc. You can use the code of your chosen e-voucher at the store and it will get redeemed.

In addition to this, you can also redeem the SBI card Prime Advantage code online for Yatra and Shoppers Stop while making a purchase.

You will hardly get such an amazing welcome offer for any card from any bank whatsoever it may be.

Prime Rewards

The reward points are many, which is yet another reason behind people opting for the SBI Prime credit card. The users can access and earn two reward points per Rs. 100 purchase except for that on fuel.

The best part is that you can repay your outstanding amount to the bank using these reward points. This is one of the most amazing benefits of this SBI card. In this case, you should note that 4 reward points would be equivalent to Re. 1.

Moreover, you will get a 1% fuel surcharge waiver if your transaction amount is between Rs. 500 and Rs. 4,000. This will be your expenditure made across all petrol pumps.

The maximum monthly fuel surcharge waiver you are expected to get is Rs. 250 per credit card amount.

The loyalty points are also valid on Utility bills payments that you make against registrations done using the SBI card platforms.

You get 20 reward points on utility bills payment and 10 reward points on dining, grocery shopping, etc.

Milestone Benefits

As soon as you reach the transaction limit of Rs. 50,000, you will receive an e-voucher for Pizza Hut on your registered mobile number within 15 days of it.

For a spend of Rs. 5 lakhs, you will be eligible for a Prime credit card Gift Voucher worth Rs. 7, 000 for Yatra.om/ Pantaloons within 10 days of achieving that transaction limit.

Trident Privilege Membership

There are lots of ravel benefits that you are subject to receive while using this SBI card Prime option. The first is the trident privilege membership. which helps you to instantly save 10% on the bookings you make through the hotel website.

Plus, you get 10 points on every Rs. 100 purchase, which is inclusive of the tax, during your stay in the partner hotels.

Club Vistara Membership

The next on the list of travel benefits offered by the SBI Prime credit card is the complimentary Club Vistara Silver membership that customers enjoy.

The best part is that you can enjoy 1 upgrade voucher as well. On every spend worth Rs. 100 on Vistara flights, you earn 9 Club Vistara Points.

Airport Lounge Access

The cardholders get a chance to enjoy 4 complimentary visits to International Priority Lounges in a year.

Hence, you can make two visits per quarter to any lounge outside India and enjoy the special treatment.

In case you are in India, you can enjoy the same treatment at domestic VISA/Mastercard Lounges and that too 8 times in a year, accounting for a maximum of 2 visits per three months.

Birthday Benefits

The card Prime benefits are innumerable in number but the most special are the birthday benefits these cards offer.

You can earn 20 loyalty points per Rs. 100 purchases on your birthday, one day before and one day after.

Thus, you are free to shop for yourself this birthday, but remember that the reward points are restricted to 2000 per year.

Mastercard/Visa Privileges

Above all, you can also enjoy 4 complimentary rounds on Green Fees per year. Plus, you can also get 1 complimentary golf lesson in a month at some specific courses in India.

Along with this, there are other benefits too that you can enjoy while owning the SBI Prime credit card. Some of these include:

  • Special treatment and benefits across 900 luxury hotels across the world
  • Receive up to 10,000 miles per night on hotel stay with 25%extra miles on Kaligo.com
  • Save 10% on Hertz car rental or a discount of up to 35% on Avis Car Rentals
  • Special discount of up to 8% on hotel bookings done through hotels.com for Asia Pacific regions
  • Discount of 15% on luxury Airport Transfer Service

Eligibility Criteria for SBI Prime Advantage Credit Card

Though the benefits are many, you can only enjoy them if you are eligible to apply for the SBI Prime Advantage credit cards.

To know if you qualify, you can check the below-mentioned criteria that make you eligible for making the application:

  • You must be between 18 and 70 years of age
  • Minimum income for salaried or self-employed individuals should be at least Rs. 32,000 per month

To check the eligibility criteria more accurately, you can:

  • Visit SBI’s official website
  • On the SBI Credit Cards tab, go to the “Simplyfier” page
  • You will be asked questions one by one for the bank to know your personal and professional details, including your income and expense-related information.
  • You will be required to select your income range and other options
  • After you finish answering all the questions, click on “Show My Card”

Documents Required for SBI Prime Advantage Credit Card

While applying for this SBI credit card, you need to make sure to accompany the application with the following documents:

  • Filled credit card application form.
  • A copy of PAN card or Form 60.
  • Identity proof – PAN, driving license, Aadhaar Card, etc.
  • Income proof – latest payslips, Form 16, IT return copy, etc.
  • Residence proof – Passport, Ration Card, electricity bill, Aadhaar, etc.
  • Passport size color photographs of the applicant.

However, SBI might ask for some other document as applicable for advanced verification.

How to Apply for SBI Prime Advantage Credit Card?

There are two ways of applying for this SBI card prime option – one is through the official website of SBI and another is through us – roopya.com.

Using SBI official website

  1. Visit the official website of SBI
  2. Click on Credit Cards from the menu bar
  3. Scroll down and search for SBI Prime Advantage credit card
  4. Click on Apply Now for the same
  5. Fill in the application form E-Apply tab, asking for your personal, professional, and other details.
  6. Click Submit
  7. Upload the required documents to continue

 

Using Roopya

  1. Go to roopya.com
  2. Click on the Credit Cards option from the menu bar
  3. Select SBI Bank to be taken to the official website of the bank
  4. Select SBI Prime credit card
  5. Fill in the application form
  6. Click Submit
  7. Upload the required documents to continue

 

Once you apply with all the documents attached, you will receive an application ID using which you can track your application status.

How to Redeem Reward Points?

As stated above, there are several reward points you receive for your loyalty to the bank and its products. If you are looking forward to redeeming the same. here are the steps that you need to follow:

  1. Log in to your SBI net banking account
  2. Click on Redeem Rewards option that will come across on the main page
  3. Choose the category from the available options
  4. The total loyalty points would be visible on the left pane
  5. Enter your city for the delivery of rewards
  6. Choose the quantity for the reward
  7. Click Add to Cart
  8. Click on Place Order

Fee & Charges

  1. Joining Fee – Nil
  2. Annual Fee – Rs. 2,999 (one-time)
  3. Renewal Fee – Rs. 2,999 (per annum to be paid from the second year)
  4. Add-on fee – Nil (per annum)
  5. Cash advance fee – 2.5% of the amount withdrawn or Rs. 500 for domestic & overseas ATMs
  6. Finance charges – 3.50% per month or 42 % per annum
  7. Cash payment fee – Rs. 199 + taxes applicable
  8. Payment dishonor fee – 2% of the amount payable or a minimum of Rs. 450
  9. Late payment fee
  10. Upto Rs. 500 – Nil
  11. Rs. 501 to Rs. 1, 000 – Rs. 400
  12. Rs. 1,001 to Rs. 10,000 – Rs. 750
  13. Rs. 10,001 to Rs 25,000 – Rs. 950
  14. Rs. 25,001 to Rs. 50,000 – Rs. 1,100
  15. Above 50,000 – Rs. 1,300
  16. Statement Request Fee – Rs. 100 per statement, which is 2 months old or more
  17. Card Replacement Fee – Rs. 100 to Rs. 250
  18. Cheque payment charge – Rs. 100
  19. Over-limit charges – 2.5% of the over-limit amount or a minimum of Rs. 600
  20. Reward Redemption Fee – Rs. 99
  21. Foreign Currency Transaction Fee – 3.50%

FAQs

What are the benefits of the SBI prime Advantage credit card?

  • As soon as you become a Prime credit card member, you will receive a welcome SMS accompanied by multiple e-vouchers worth Rs. 3,000 to choose from within 15 days of the payment of annual fees.
  • You can redeem the voucher for Bata/Hush Puppies, Shoppers Stop, Pantaloons, etc. You can use the code of your chosen e-voucher at the store and it will get redeemed.
  • The users can access and earn two reward points per Rs. 100 purchase except for that on fuel.
  • You will get a 1% fuel surcharge waiver if your transaction amount is between Rs. 500 and Rs. 4,000. The maximum monthly fuel surcharge waiver you are expected to get is Rs. 250 per credit card amount.
  • You get 20 reward points on utility bills payment and 10 reward points on dining, grocery shopping, etc.
  • For a spend of Rs. 5 lakhs, you will be eligible for a Prime credit card Gift Voucher worth Rs. 7, 000 for Yatra.om/ Pantaloons within 10 days of achieving that transaction limit.
  • You get 10 points on every Rs. 100 purchase, which is inclusive of the tax, during your stay in the partner hotels.
  • Enjoy 1 upgrade voucher as well. On every spend worth Rs. 100 on Vistara flights, you earn 9 Club Vistara Points.
  • Get a chance to enjoy 4 complimentary visits to International Priority Lounges in a year, including two visits per quarter to any lounge outside India and enjoy the special treatment.
  • For domestic VISA/Mastercard Lounges, get airport lounge access 8 times in a year, accounting for a maximum of 2 visits per three months.
  • 20 loyalty points per Rs. 100 purchases on your birthday, one day before and one day after.
  • Special treatment and benefits across 900 luxury hotels across the world
  • Receive up to 10,000 miles per night on hotel stay with 25%extra miles on Kaligo.com
  • Save 10% on Hertz car rental or a discount of up to 35% on Avis Car Rentals
  • Special discount of up to 8% on hotel bookings done through hotels.com for Asia Pacific regions
  • Discount of 15% on luxury Airport Transfer Service

What is the credit limit of SBI Card Prime Advantage?

The credit limit is decided by the bank and based on the same you are allowed or disallowed to own this SBI card Prime Advantage alternative.

Is the SBI Prime Advantage card good?

Of course, it. Having a look at the numerous features and benefits that it offers will let you know why this is one of the best lifestyle cards across the globe.

Which is the most premium credit card of SBI?

Well, every card offered by SBI is fruitful to use, but the Prime Advantage card, as its name suggests, tops the list of such cards with premium benefits for users.

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