Agar aap ek aisa credit card dhoondh rahe hain jo aapki lifestyle ko match kare aur shopping, travel, aur dining pe shandaar rewards de, toh **SBI Prime Credit Card** ek perfect choice ho sakta hai. Yeh card State Bank of India (SBI) ka premium offering hai, jo aapko har kharch pe rewards, complimentary lounge access, aur kai exclusive benefits deta hai. Is article mein hum aapko is card ke baare mein sab kuch detail mein batayenge, jaise iske features, apply kaise karna hai, eligibility, aur bhi bohot kuch. Toh chaliye, shuru karte hain!
## SBI Prime Credit Card Kya Hai?
SBI Prime Credit Card ek premium lifestyle credit card hai jo specially un logon ke liye banaya gaya hai jo apne daily expenses mein value add karna chahte hain. Yeh card shopping, dining, groceries, aur travel jaise categories mein accelerated rewards deta hai. Iska annual fee Rs. 2,999 + taxes hai, lekin agar aap saal mein Rs. 3 lakh spend karte hain, toh yeh fee waive ho jati hai. Yeh card VISA, MasterCard, aur American Express variants mein aata hai, aur har variant ke apne kuch unique benefits hain.
### Key Features of SBI Prime Credit Card
- **Welcome Gift**: Card milne pe Rs. 3,000 ka e-gift voucher (Bata/Hush Puppies, Pantaloons, Shoppers Stop, ya Yatra se).
- **Reward Points**:
- Dining, groceries, departmental stores, aur movies pe har Rs. 100 ke kharch pe 10 Reward Points.
- Birthday pe har Rs. 100 ke kharch pe 20 Reward Points (max 2,000 points per year).
- Baaki sab retail spends pe har Rs. 100 pe 2 Reward Points.
- **Lounge Access**:
- Saal mein 8 complimentary domestic lounge visits (max 2 per quarter).
- 4 complimentary international lounge visits with Priority Pass (max 2 per quarter).
- **Milestone Benefits**:
- Har quarter mein Rs. 50,000 spend karne pe Rs. 1,000 ka Pizza Hut e-voucher.
- Saal mein Rs. 5 lakh spend karne pe Rs. 7,000 ka Yatra/Pantaloons voucher.
- **Fuel Surcharge Waiver**: Rs. 500–4,000 ke fuel transactions pe 1% surcharge waiver (max Rs. 250 per month).
- **Travel Benefits**: Complimentary Club Vistara Silver membership aur Trident Privilege Red Tier membership.
- **Insurance Cover**: Rs. 50 lakh ka air accident cover aur Rs. 1 lakh ka fraud liability cover.
> **Note**: Air accident insurance cover July 15, 2025 se discontinue ho jayega, as per SBI’s latest update.[](https://www.sbicard.com/en/personal/credit-cards/rewards/sbi-card-prime.page)
## SBI Prime Credit Card Ke Fayde
Yeh card aapke lifestyle ko aur bhi behtar banata hai. Aaiye dekhte hain iske kuch top benefits:
- **Shopping aur Dining ke Liye Best**: Groceries, dining, aur movies pe 2.5% reward rate (1 RP = Rs. 0.25), jo high spenders ke liye kaafi attractive hai.
- **Travel Lovers ke Liye Perfect**: Domestic aur international lounge access ke saath, yeh card frequent travelers ke liye bohot faydemand hai.
- **Milestone Rewards**: Quarterly aur annual spend milestones poore karne pe vouchers milte hain, jo aapki savings ko boost karte hain.
- **Flexipay Option**: Rs. 2,500 ya usse zyada ke transactions ko EMIs mein convert kar sakte hain, jo bade kharchon ko manage karna aasan banata hai.
- **Global Acceptance**: 24 million+ outlets worldwide, including 3,25,000 outlets in India, accept this card.[](https://www.sbicard.com/en/personal/credit-cards/rewards/sbi-card-prime.page)
## SBI Prime Credit Card Ke Liye Kaise Apply Karein?
SBI Prime Credit Card ke liye apply karna bohot hi simple hai. Aap online ya offline dono tarike se apply kar sakte hain. Niche step-by-step process diya gaya hai:
### Online Application Process
1. **Official Website Visit Karein**: SBI Card ki official website (www.sbicard.com) pe jayein ya YONO app use karein.
2. **Card Select Karein**: ‘Credit Cards’ section mein jake SBI Prime Credit Card chunein.
3. **Application Form Bharein**: Personal details, income details, aur contact info daalein.
4. **Documents Upload Karein**: Required documents jaise ID proof, address proof, aur income proof upload karein.
5. **Submit Karein**: Form review karke submit karein. Aapka application 7-10 working days mein process ho jayega.
### Offline Application Process
- **SBI Branch Visit Karein**: Apne nazdeeki SBI branch mein jayein.
- **Form Mangayein**: Credit card application form lein aur fill karein.
- **Documents Jma Karein**: Zaruri documents ke saath form submit karein.
- **Verification**: Bank aapke documents verify karega aur card issue karega.
> **Pro Tip**: Online apply karna faster hai aur aap application status bhi track kar sakte hain.
## SBI Prime Credit Card Ke Liye Zaruri Documents
SBI Prime Credit Card ke liye aapko kuch basic documents submit karne honge:
- **Identity Proof**: Aadhaar Card, PAN Card, Voter ID, Passport, ya Driving License.
- **Address Proof**: Aadhaar Card, Utility Bill (last 3 months), Passport, ya Ration Card.
- **Income Proof**: Last 3 months ke salary slips, bank statements, ya latest ITR.
> **Note**: Documents valid hone chahiye aur aapka name SBI Card records se match karna chahiye.[](https://www.sbicard.com/)
## Eligibility Criteria for SBI Prime Credit Card
SBI Prime Credit Card ke liye eligible hone ke liye aapko ye criteria poore karne honge:
- **Age**: Primary cardholder ki age 18-60 years ke beech honi chahiye. Add-on cardholder ke liye minimum age 18 years hai.
- **Income**: SBI officially minimum income disclose nahi karta, lekin generally Rs. 7-10 lakh annual income wale eligible hote hain.
- **Credit Score**: Aapka credit score 750+ hona chahiye for better approval chances.
- **Nationality**: Indian residents aur non-residents dono apply kar sakte hain.
- **Employment**: Salaried ya self-employed individuals with stable income.
## Additional Benefits of SBI Prime Credit Card
- **Add-On Cards**: Aap apne family members (parents, spouse, siblings, ya children above 18) ke liye 2 add-on cards le sakte hain, bina kisi extra fee ke.
- **Balance Transfer on EMI**: Dusre bank ke credit card ka outstanding balance SBI Prime Card pe transfer kar sakte hain aur low interest rate pe EMIs mein pay kar sakte hain.
- **Contactless Payments**: Card mein contactless payment feature hai, jo small transactions ko fast aur secure banata hai.
- **Exclusive Offers**: 700+ restaurants pe 20% tak discount, Lalit Hotels pe 15% discount on rooms aur F&B, aur Hertz/Avis car rentals pe discounts.
## SBI Prime Credit Card: Fees aur Charges
- **Annual Fee**: Rs. 2,999 + taxes (first year aur renewal both).
- **Renewal Fee Waiver**: Rs. 3 lakh annual spend pe waive.
- **Finance Charges**: 3.5% per month (42% annually) on unpaid balance.
- **Foreign Currency Markup**: 3.5% on international transactions.
- **Cash Advance Fee**: 2.5% of the amount (minimum Rs. 500).
## FAQs About SBI Prime Credit Card
**1. SBI Prime Credit Card ka annual fee kitna hai?**
Annual fee Rs. 2,999 + taxes hai, lekin agar aap saal mein Rs. 3 lakh spend karte hain, toh yeh waive ho jata hai.
**2. Kya yeh card international travel ke liye acha hai?**
Haan, yeh card international lounge access, low fuel surcharge, aur global acceptance ke saath travel ke liye bohot acha hai.
**3. Reward points kaise redeem kar sakte hain?**
Aap SBI Card website ya mobile app ke through reward points redeem kar sakte hain for gift vouchers ya statement credit. 1 RP = Rs. 0.25.
**4. Kya SBI Prime Card pe lounge access free hai?**
Haan, saal mein 8 domestic aur 4 international lounge visits free hain (max 2 per quarter).
**5. Card kho jaye toh kya karna chahiye?**
Turant SBI helpline (1860 180 1290 ya 39 02 02 02) pe call karein aur card loss report karein. Fraud liability cover Rs. 1 lakh tak hai.
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## Why Choose SBI Prime Credit Card?
Agar aap ek premium credit card chahte hain jo aapke daily expenses aur travel needs ko cover kare, toh SBI Prime Credit Card ek shandaar option hai. Iska reward system, lounge access, aur milestone benefits isse high spenders aur frequent travelers ke liye ideal banate hain. Bas yeh dhyan rakhein ki iska annual fee thoda high hai, toh agar aap regularly ispe spend karte hain, tab hi yeh card aapke liye value-for-money hoga.
Toh, kya aap ready hain apna SBI Prime Credit Card apply karne ke liye? Visit karein www.sbicard.com ya YONO app aur aaj hi shuru karein apni premium lifestyle journey! Agar aapko koi aur sawal hai, toh comment section mein pooch sakte hain. 😊
> **Sources**:
>[](https://www.sbicard.com/en/personal/credit-cards/rewards/sbi-card-prime.page)[](https://www.paisabazaar.com/sbi-bank/sbi-prime-credit-card/)[](https://cardinsider.com/sbi-card/sbi-prime-credit-card/)
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