SBI Prime Advantage Credit Card: Your Gateway to Premium Rewards
Discover the SBI Prime Advantage Credit Card, a premium offering from SBI Card designed for high-spenders who seek rewards, travel perks, and lifestyle benefits. With accelerated reward points, complimentary lounge access, and milestone e-vouchers, this card caters to shoppers, travelers, and food enthusiasts. Whether you’re dining out, booking flights, or enjoying a round of golf, the SBI Prime Advantage Credit Card ensures maximum value. In this detailed guide, we explore its features, benefits, fees, eligibility, and more to help you decide if this card aligns with your financial goals.
Read on to learn how this card can elevate your lifestyle while offering savings on everyday spends!
About SBI Prime Advantage Credit Card
The SBI Prime Advantage Credit Card is a premium lifestyle credit card tailored for frequent travelers, shoppers, and high-spenders. Offering accelerated rewards on dining, groceries, and movies, it includes exclusive benefits like airport lounge access, milestone e-vouchers, and golf privileges. With a joining fee of ₹2,999, this card provides a welcome e-gift voucher worth ₹3,000, making it a compelling choice for those seeking value-driven rewards and travel perks.
Basic Details of SBI Prime Advantage Credit Card
| Feature | Details |
|---|---|
| Card Issuer | SBI Cards and Payment Services Limited |
| Joining Fee | ₹2,999 + GST |
| Renewal Fee | ₹2,999 + GST (Waived on annual spends of ₹3,00,000) |
| Card Category | Premium Lifestyle and Rewards |
| Rewards | Up to 20 reward points per ₹100 spent on select categories |
| Airport Lounge Access | 4 international visits/year, 8 domestic visits/year |
| Railway Lounge Access | Not available |
| Network | Visa, Mastercard, American Express |
Extra Details of SBI Prime Advantage Credit Card
- Welcome Benefit: E-gift voucher worth ₹3,000 from brands like Yatra, Shoppers Stop, or Pantaloons.
- Milestone Benefits: Pizza Hut voucher (₹1,000) on ₹50,000 quarterly spends; ₹7,000 Yatra/Pantaloons voucher on ₹5,00,000 annual spends.
- Insurance Covers: ₹50 lakh air accident liability cover; ₹1 lakh fraud liability cover.
- Global Acceptance: Accepted at over 24 million outlets worldwide, including 3,25,000 in India. [](https://www.sbicard.com/en/personal/credit-cards/rewards/sbi-card-prime-advantage.page)
- Add-on Cards: Available for up to 2 family members above 18 years.
- Contactless Payments: Enabled for swipe-less transactions at POS terminals.
Features and Benefits
- Complimentary Priority Pass membership with 4 international lounge visits annually.
- 8 complimentary domestic lounge visits per year (max 2 per quarter).
- 4 complimentary golf rounds and 1 free lesson per month at select courses. [](https://www.sbicard.com/en/personal/credit-cards/rewards/sbi-card-prime-advantage.page)
- Up to 15% discount on room rates and F&B at Lalit Hotels.
- Up to 25% discount on dining via American Express Dining Platform.
- Complimentary Tablet Plus membership for VIP hotel upgrades.
Rewards and Cashback
- 20 Reward Points per ₹100 spent on birthday (capped at 2,000 points/year).
- 20 Reward Points per ₹100 on utility bill payments (capped at 3,000 points/month).
- 10 Reward Points per ₹100 on dining, groceries, departmental stores, and movies (capped at 7,500 points/month).
- 2 Reward Points per ₹100 on other retail spends (except fuel).
- Redemption: 4 Reward Points = ₹1; redeem for vouchers or statement credit (₹99 redemption fee).
- 1% Fuel Surcharge Waiver on transactions between ₹500–₹4,000 (max ₹250/month).
Fees and Charges
| Fee Type | Amount |
|---|---|
| Joining/Annual Fee | ₹2,999 + GST |
| Renewal Fee Waiver | On ₹3,00,000 annual spends |
| Finance Charges | Up to 3.5% per month |
| Foreign Transaction Fee | 3.5% of transaction amount |
| Cash Advance Fee | 2.5% of amount (min ₹500) |
| Rewards Redemption Fee | ₹99 per request |
| Card Replacement Fee | ₹100–₹250 |
| Over-limit Fee | 2.5% of over-limit amount |
Eligibility Criteria
- Age: 21–70 years (salaried/self-employed); 40–70 years (pensioners).
- Minimum annual income: ₹6,00,000.
- Credit score: 750 or above.
- Stable income source and good repayment history.
- Resident of India.
Documents Required
- Identity Proof: Aadhaar Card, PAN Card, Voter ID, or Driving License.
- Address Proof: Aadhaar Card, Passport, Utility Bill (not older than 3 months), or Ration Card.
- Income Proof: Last 3 months’ salary slips, bank statements, or latest ITR.
How to Apply for SBI Prime Advantage Credit Card
- Visit the official SBI Card website: www.sbicard.com.
- Navigate to “Apply” and select “SBI Prime Advantage Credit Card.”
- Fill in personal, professional, and financial details in the online form.
- Upload required documents (ID, address, income proof).
- Verify your mobile number and submit the application.
- Track application status online using the reference number provided.
How to Maximize Benefits
- Dining & Groceries: Use for dining and grocery spends to earn 10 reward points per ₹100.
- Utility Bills: Set up standing instructions to earn 20 reward points per ₹100.
- Travel: Utilize lounge access and hotel discounts for frequent travels.
- Milestone Spends: Achieve ₹50,000 quarterly and ₹5,00,000 annually for e-vouchers.
- Golf Privileges: Enjoy free golf rounds at select courses.
- Birthday Spends: Spend on your birthday for 20 reward points per ₹100.
Similar Cards from Other Banks
- HDFC Regalia Gold Credit Card: Offers 4 reward points per ₹150 on retail spends and lounge access.
- Axis Magnus Credit Card: Provides 12 EDGE reward points per ₹200 on travel spends.
- ICICI Emeralde Credit Card: Includes unlimited lounge access and 6 reward points per ₹100 on international spends.
Official Website and Apply Link
- Official Website: www.sbicard.com
- Apply Link: SBI Prime Advantage Credit Card Application
- Customer Care: 1860 180 1290 or 39 02 02 02 (prefix STD code)
SBI Prime Advantage Credit Card Review
The SBI Prime Advantage Credit Card is a solid choice for high-spenders who value rewards and travel perks. Its reward rate of up to 5% on utility bills and 2.5% on dining/groceries is competitive, but the 0.5% base rate on other spends is low. The ₹2,999 annual fee is justified by the ₹3,000 welcome voucher and lounge access, especially if you meet the ₹3,00,000 spend for fee waiver. However, some benefits like Club Vistara membership have been discontinued, reducing its travel appeal. Ideal for those who spend heavily on bonus categories and travel frequently.
[](https://www.paisabazaar.com/sbi-bank/sbi-prime-credit-card/)Disclaimer
The information provided about the SBI Prime Advantage Credit Card is for informational purposes only and may not be accurate or up-to-date. This is not the official website of SBI Card. Please verify details with the official SBI Card website or contact their customer care before applying.
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