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SBI Card Prime Review

by orbinside

SBI Card Prime – A Low Cost Credit Card full of Privileges

SBI Card Prime offers a lot of privileges ranging from Multiple Club Memberships to Lounge Program and entertainment access. It compliments its customers with range of privileges services with low joining or annual fees which anyone may not get anywhere else.

Now we will explain you the features, rewards and privileges you would be entitle to with this Card.

Welcome Gifts

Upon receipt of Card Joining Fee, Customer will be entitled for E-Gift Voucher worth Rs. 3000 – from array of following Travel and Lifestyle Brands:  Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop.

  • E-voucher will be received on you registered mobile and email address with 5 days from the request.
  • Vouchers can be redeemed at the Brand Store Outlet for Pantaloon, Shoppers Stop & Hush Puppies/Bata.
  • Yatra & Shoppers Stop vouchers can be redeemed online.
  • Aditya Birla Retail Vouchers can be redeemed  at following brand stores – Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter.

Club Vistara Membership Privileges

  • Complimentary Club Vistara Silver Membership
  • 1 Upgrade Voucher
  • Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara Flights.
  • Offer is valid for only Primary Cards.
  • Please visit Club Vistara Website for further details.

Trident Privilege Membership

  • Complimentary Trident Privilege Red Tier Membership
  • Exclusive Rs. 1000 Welcome Points upon registration
  • 1500 Bonus Points on First Stay and Additional Rs. 1000 hotel Credit on extended night stay by using this link and promo code: SBITH .
  • Offer is valid for only Primary Cards.
  • 10% saving on booking through hotel website.
  • 10 Points for every Rs. 100 spent during stay at participating hotels.
  • Please visit trident privilege for further details.

Lounge Program

  • 4 Complementary International Priority Pass Lounge Access Visits (Max 2 visit every Quarter).
  • 8 Complementary Domestic Lounge Access Visits (Max 2 visit every Quarter).
  • Offer can be availed upon card usage at respective lounge.
  • Offer is valid of primary cardholder only.
  • Please visit Visa / Master Card / American Express for Lounge List
  • Click here to know more about Priority Pass member Lounges

Prime Rewards Program

Standard Rewards

  • 10 Rewards Points per Rs. 100 on Dining, Departmental stores, Grocery and Movies Spends.
  • 2 Rewards Points per Rs. 100 on all other spends except fuel.
  • 1% Fuel Surcharge Waiver across all petrol pumps. Government Tax will be as applicable. Rs. 250 Maximum Waiver allowed per month, per statement cycle.

Milestone Rewards Privileges

  • PizzaHut E-vouchers worth Rs. 1000 on spending Rs. 50,000 in the calendar quarter.
  • E-vouchers worth Rs. 7,000 from Yatra / Pantaloon  on spending Rs. 5,00,000 in the anniversary year.
  • Further, spends based annual fee reversal on Rs. 3,00,000 in the anniversary year.
  • PizzaHut E-vouchers will be sent to customers mobile number and email address within 30 days of milestone achievement.
  • Yatra /Pantaloon E-vouchers will be sent to customers mobile number and email address within 10 days of milestone achievement.

Other Privileges

Card Birthday Benefits

  • 20 Reward Points per Rs. 100  spent on your birthday with 2000 Reward points capping per calendar year).
  • Birthday spends will be considered for one day before, birthday and one day after.

Card Network Privileges

  • Mastercard Privileges:
    • Enjoy 4 rounds of complimentary green fees access and up to 50% off on golf games along with 1 complimentary lesson per month at selected golf courses across India.
    • Enjoy up to 15% discount on best available room rates and up to 15% discount on F&B at Lalit Hotels.
  • Visa Privileges:
    • Savings of up to 10% on Hertz car rental and up to 35% on Avis Car Rentals.
    • Exclusive benefits across 900 luxury hotels worldwide.
  • American Express Privileges:
    • American Express Dining Platform – Discover delectable dining offers & enjoy up to 25% discount in your city.
    • Complimentary Tablet plus membership – access to VIP upgrades and privileges at hotels in India and around the world.

You will be getting all these privileges for an annual fee of  Rs. 2999 + Taxes and Renewal fee of Rs. Rs. 2999 + Taxes every year. Please visit sbicard website for further details. Rewards Redemption Value is Rs. 1 for every 4 rewards earned.

Salient Reviews of the Card

  • Rewards Redemption is good. Customer will get minimum 50 Paisa for every Rs. 100 spend on card. if customer spends Rs. 5,00,000 at basic redemption transactions then, he will get Rs. 15,499 worth benefits including Rewards Points + annual fee reversal worth Rs. 2,999 + Taxes first year. Customer will save or get to spend spends additionally second year onwards, total minimum Rs. 12,499 upon spending Rs. 5,00,000 which will give him 2.5% return on his spendings. Hence, Its Minimum ROS – Return on Spending is 2.5% on Rs. 5,00,000 + Travel Benefits. Its a great way to alternate saving while you spend.
  • It makes perfect sense to apply the card for ones which spends well over luxuries with mere low cost of Rs. 3000 every year which will be refunded as part of milestone benefits.

Card Rating

  • People Card
  • ROS – Return On Spending
  • Travel Luxury Card

if you like the card and found perfect for you, Please click here to apply.

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