SBI Card Launches “PRIME” Credit Card – Review

By | June 14, 2017

SBICard recently launched a new credit card and is positioned a bit below its premium credit card SBI Elite but infact has better features, the most important of which is Priority Pass benefit with 4 Free Visits (international only). It comes with a lot of lifestyle benefits, available on both MasterCard World & Visa Signature variants and is a contact-less card.

  • Joining/Renewal Fee: Rs.2,999+Tax (Renewal Fee Waived on 3 Lakh spend)
  • Welcome e-gift Voucher: Rs. 3,000

SBI Card Prime Features and Benefits – Review

#1 Welcome Gift – SBI Card Prime

Welcome e-gift Voucher worth โ‚น 3,000 from any of the following brands: Bata/Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop and Yatra.

  • Gift Voucher code will be sent to your registered mobile number within 15 days of request
  • For Bata/ Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop, you can redeem your e-Gift Voucher by showing the code at the respective brand store
  • For Yatra, you can redeem the code online at the time of purchase

I would prefer “Pantaloons” voucher anytime or “Yatra” if there is any upcoming travel.

#2 Reward Points

  • 20 RP per Rs.100 spent: Standing instructions of Utility Bills payments (5% Value)
  • 20 RP per Rs.100 spent: All spends on your birthday (5% Value)
  • 15 RP per Rs.100 spent: BigBasket, Reliance Fresh, Reliance Smart, Reliance Footprint, Reliance Trends and Sahakari Bhandar stores (3.75% Value)
  • 10 RP per Rs.100 spent: Dining, Groceries, Departmental stores and Movies (2.5% Value)
  • All other spends: 2 RP per Rs.100 (0.50% Value)
  • 1 Reward Point Value – Rs.0.25 (can be adjusted as statement credit)

Lots of slabs, but the good one i see is first two with 5% value with no upper cap (as i believe). Also you get decent value on departmental store spends. This should simply replace your Standard Chartered Manhattan credit card as SBI Card Prime is now one of the best credit card for families with Groceries & Departmental store spend benefits.

The very important point to note is that you can adjust these reward points for statement credit as you do with Elite card, which is a great benefit.

#3 Milestone Benefits

  • Spend Rs.50,000: Get Rs.1,000 Pizza Hut e-Voucher (every calendar quarter)
  • Spend Rs.5 Lakhs: Get Rs.7000 worth Yatra/Pantaloons Voucher.

#4 Airport Lounge Access

  • International: 4 complimentary visits per year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)
  • Domestic: 8 complimentary visits per year to Domestic VISA/Mastercard Lounges in India (max. 2 visits per quarter)
  • Both for Primary Cardholders only

All banks are now pushing Priority pass to be used only for Intl visits. This is because Bank might need to pay a higher amount from their pocket for your Priority Pass visits, wherein Mastercard/Visa maynot demand a higher amount for their lounge access as its a part of their core benefit.

By the way, do you know that SBI Elite card now has 6 free Priority pass visits from July 1st 2017? ๐Ÿ™‚

#5 Club Vistara Membership

  • Enjoy Complimentary Club Vistara Silver membership
  • Get 1 complimentaryย Lounge Access Voucher and 1 Upgrade Voucher
  • Earn 9 Club Vistara Points for every โ‚น 100 spent on Vistara flights

Good move. Upgrade voucher gives a lot of value.

Other Features:

  • Enjoy complimentary Trident Privilege Red Tier Membership & other benefits linked to it.
  • 4 complimentary rounds on Green Fees

SBI CARD PRIME

How to get the best value out of SBI PRIME Credit Card

Its a power packed credit card with a lot of features stuffed inside. From milestone benefit to lounge access, SBI Card prime has everything you need under single roof and that too with a renewal fee waiver of just 3L spend which is very much acceptable. So how can you maximize the value? Lets consider a spend of 5 Lakhs in a year

  • Spend on categories with 5% value as mentioned above, You save -> Rs. 25,000 as Reward points
  • You get ->Rs.4,000 worth pizza Hut vouchers (provided quarterly spends are reached)
  • You get ->Rs.7,000 worth yartra/Pantaloons voucher (5L Spend)
  • Total Savings: Rs.36,000 on 5L spend which is ~7% Reward Rate

Ofcourse, you can’t always spend on 5% value categories, but yes, if not 7% you can get value as good as at-least 3~5% considering the milestone benefit and spends being spread out across other categories. Now the direct competitor is HDFC Regalia with 1.6% Reward Rate, that too only with limited redemption options.

  • Cardexpert Rating: 4.5/5

The time has come to get rid of the monopoly in the market (HDFC) as SBI Card prime will serve as an easy replacement for the HDFC Regalia Credit Card in every aspect. Its time for HDFC to realize that their endless series of devaluations is no longer going to help them.

Also, considering HDFC’s poor customer care experience, SBI would serve the needs far way better. Just that HDFC partner offers are good for now, but its just a matter of time and i believe SBI will top the premium credit card market in coming Years.

Great move SBICards! Lets welcome SBI Card Prime with Warm Hands ๐Ÿ˜€

P.S. If you have any problem with you existing SBI Card, just send an Sms as PROBLEM to 9212500888 and you’ll get a call back from them within 24 hours.

I’m sure that this willย adversely affect the spends on HDFC Regalia, what do you think? Feel free to share your thoughts in comments below.

325 thoughts on “SBI Card Launches “PRIME” Credit Card – Review

  1. Shalabh Agarwal

    Looks absolutely brilliant move from SBI – I had been HDFC Premium Diner’s card holder for past 8-10 months, and what I am experiencing right now is due to the mandamus of payments bank based market sharing, more share for the digital transactions post demonetization, post mergers of plethora of mammoth banks, SBI is playing big in the market. I believe in 10-15 years down the line Credit cards are obsolete if not innovated, and in the time to come for them to exists, the demand has to be created, it is still quite prime to keep the elite cards in the wallet, just for the show off may be, but diversifying the segments like (SBI prime) will give others to think upon their strategy rather than devaluations. The inequality is rising & middle income groups are increasing and demand has to be met by the desires/needs. HDFC diner’s premium is all I am using for all my spends, & with recent caps to the rewards points, I primarily kept this card for the Lounge access. However, I am now going to apply for the SBI Prime/Elite card for sure. Which one do you recommend?

    Reply
    1. Siddharth Post author

      Prime is good to go if your spends are in accelerated reward slab with total spends around ~5L,
      (most HDFC regalia, YES Preferred and other premium card holders gonna love this)

      Or, if you spend north of 10L,
      then Elite is good, as it has higher PP visits and BMS offers.

      Reply
      1. Shalabh Agarwal

        Well even my heart is beating for Prime – it does looks amazing. How long it took for you to get this card? And any salary prerequisites? Recently I have applied for the HSBC card (non -account holder) too, which is yet to arrive just because I needed an additional support credit card except Diners’ for the simple reason it is not used at some places/websites. However, I am still going to apply for this one. I am sitting pretty decent with my CIBIL score when I checked in March, i.e. 880+ something & I guess it should be approved if applied. I probably would end up spending 4-5 lakhs on the normal basis then 10L. Are they giving it in MC variant as well? Diner’s I will keep it for Domestic lounges – looking for some card in Travel section as well – hope something will come up soon.

        Reply
        1. Siddharth Post author

          Its a very fresh card, SBI don’t demand any high salary even for ELite card.
          So this should be easy to get for someone with even ~30k salary range.

          Yes, you can get Mastercard variant. Make sure to mention it while applying.

          Reply
          1. Shalabh Agarwal

            Alright ! Thanks so much. Keep up the good work. Regular to the site to know about the fantasies in the credit card world. One of the best source for the info. ๐Ÿ™‚ And regular updates are USPs to keep up with the ever changing world.

            However, on that note, How do you apply for the same? Any contact/toll free number? I am afraid if I try calling anyone to the customer care, they even won’t be knowing about it. Also, I am not very confident if this one is loaded on their website yet.

          2. Siddharth Post author

            Thanks for the kind words.
            Pls visit branch. That’s best way to apply for SBI cards AFAIK.

          3. Siddharth Post author

            More acceptance for lounge access.

      2. AS

        BMS weekend blockbuster available on this card if you get visa signature one. Not as good as Elite one, but still not bad.

        Reply
        1. Swaraj

          kindly elaborate how BMS offer can be availed in the PRIME card .
          Actually SBI is pushing me really hard to shift to their ELITE or PRIME card … The BMS offer attracted me for the ELITE one , but today i received a call for their PRIME variant which i think is good .

          Reply
          1. Mahendra

            Hi Swaraj,
            In BMS credit card offers section, we can see visa blockbuster offer. It is 1+1 offer(Rs. 300/- max)with seats quota and we can get 200/- offer on food combo too.

          2. Mahendra

            BMS offer is not available for SBI Prime card. I recevied VISA variant. It is not available on this card.

          3. Rahul

            IF BMS OFFER IS NOT THERE, THEN this is nothing good. SBI Elite is far better in that case.

      3. Abhijeet

        Hi Sid,

        I have a query, on the SBI prime card page. It is mentioned that you “earn 2 Reward Points per Rs. 100 on all other retail spends”. Does that mean only office retail shops? or it covers online spends also?

        By the way, I really like your website. Reviews are fantastic.

        Regards,
        Abhijeet

        Reply
      4. mustafa

        hello i applied for sbi simply save credit card and bank customer person call me and he said u r luck bcz bank selected for sbi prime credit card
        so i need to ask u my limit is not more and prime card is good or simply save??
        please answer me

        Reply
  2. Ganesh

    Great news Sid! Many thanks for your endless efforts!

    Regards
    Ganesh

    Reply
      1. Senthil Kumar

        sir what is the eligibility for SBI prime card sir?? I am business person..my yearly turn over 25+ laks I am applying GST just now.4 years it file I have..

        Reply
  3. Rahul

    HDFC’s lifetime free scheme will always help keep it ahead in terms of market share. For a person like me, i would rather have a credit card with no strings attached wrt spending limit than a Rs 3000 annual fees hanging like a sword if i dont spend atleast Rs 3 lacs. Just a food for thought.

    Reply
    1. Siddharth Post author

      True that. But if that’s the case, SBI will run that promo to all of its SBI customer base and get the numbers in no time ๐Ÿ™‚
      They maybe testing few things. Lets see what’s coming!

      Reply
      1. Shalabh Agarwal

        Well in that case, one should wait for the card to be offer life time free? to accumulate the numbers?

        Reply
        1. Siddharth Post author

          No, it was just a thought. They may or maynot do.

          Reply
  4. Shalabh Agarwal

    Siddharth, the international complimentary visits are they chargeable – brochure marks that 27$ would be charged every time being a visitor? Is it true?

    Also, how good is the Vistara membership with upgrade voucher? Thoughts?

    Reply
    1. Siddharth Post author

      4 PP visits are free as mentioned on SBI website itself.
      “4 complimentary visits per year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)”

      Vistara upgrade vouchers are part of Silver Tier and yes it should be easy to use with less complications as they’re a Premium carrier. I may review this in detail in coming months as i get practically exposed to ๐Ÿ™‚

      Reply
        1. Shalabh Agarwal

          Also, I tried opening the Prime card brochure & it says that $27 charged on the card? Not sure. If that is free upto four visits. Then it’s cool.

          Reply
  5. Meet Sharma

    Can I get this card with no credit history, but with salary of 40k?

    Reply
    1. Siddharth Post author

      Well, you got to give a try!
      Hit or Miss! More chances to go through if you’ve some existing relationship with SBI.
      Anyways, this card is also available on FD basis which is highly suggested for your case.

      Reply
      1. Meet Sharma

        I’ll get in touch soon with my friend who happens to be in SBI and have a look at it.

        Reply
      2. AS

        Link please regarding the eligibility for card on basis of fd.

        Reply
        1. Siddharth Post author

          Just Visit branch. 1.25L on Fd should do i think.

          Reply
        2. Shivi

          Called up SBI credit card personnel. They say minimum FD of 50k should do it.

          Reply
  6. Rohan M

    And meanwhile HDFC did this
    EasyEMI and e-wallet loading transactions will not accrue Reward points.
    Reward points accrued will be reversed if a retail transaction is converted into SmartEMI.
    Reward points accrued for Insurance transactions will have a maximum cap of 2,000 per transaction.
    I got mail regarding this and I hold regalia first.

    Reply
    1. Siddharth Post author

      Yes, they updated Infinia page a while back.

      Reply
  7. Ebin Johnson

    Check Elite. They are giving some additional offers. Priority pass is there too + club vistara silver membership + trident privilege membership

    Reply
    1. Siddharth Post author

      Yes, they’ve added all these features to Elite too.

      Reply
  8. Sunny

    Wow this is brilliant and shocking, never expected SBI to dish out such a card with great benefits

    It definitely trumps HDFC Regalia any day, now I’m really thinking of trying for this.

    Reply
  9. David

    Ok so I got SBI Simply Click and I heard you can hold only one card from SBI at atime, so does it mean I should jump over to PRIME?

    Reply
    1. Siddharth Post author

      I recently did it as well, but i heard from phone banking guys that you can anytime change the card if you’re not satisfied with current one/Simplyclick. But approval from internal team is required.

      Reply
    2. Siva

      I have a simply click too which I use a lot – around 40k+ per month average, but all my spends are online. I believe its actually a loss if I switch over to this as the rewards on online spends on simplyclick is best (3.25% for first 2 lakhs and 1.25% post that) and 10X rewards on some partner sites. Note that I use other cards (Amex etc.) for offline and fuel transactions.

      Any thoughts Sidharth?

      Reply
    3. Saumyaranjan

      I have 2 sbi card one is Tata sbi and another one is simply click and I today I upgraded my simply click into Sbi Prime

      Reply
  10. Prashant Gupta

    This card dont seem to be of use for some of us who use sodexo and other food card for grocery purchase. For dining regalia give 3.3% and diners black give 6.6%. But yes its a perfect replacement for sc manhattan and other grocery and departmental store focussed cards. Most of the cards have some or the other movie offer and Paytm also. For retail spend and online purchase this card seems to be useless even for travel bookings.

    Reply
    1. Siddharth Post author

      Yes, it can no way compete with super premium cards like Diners Black.
      But it sure wins over Regalia (tough to get too) & Yes preferred.

      Infact if i see it right, SBI may come up with upper cap on each category sooner or later!

      Reply
    1. Siddharth Post author

      I was about to give 5, but then reduced to 4.5 ๐Ÿ™‚
      Any reason why you think it only deserves 4?

      Reply
  11. Alok

    Nicee!

    What could be the deciding factors between this Prime and the Yes Preferred?

    Reply
    1. Siddharth Post author

      Prime – you can redeem points for cash credit while u can’t on preferred.

      Reply
      1. Manav

        Yes Preferred is LTF, so didnt understand your “cash credit” point.
        With Yes Card, you can use it for travel / hotel / movie.. that might be a fair deal I suppose

        Reply
  12. Majumdar

    Offtopic but breaking news. No RPs on ewallet loading on HDFC CCs wef July 1.

    Regards

    Reply
    1. Siddharth Post author

      Yes, its there for a while. Will put it in detail shortly.

      Reply
  13. Pranav

    Would you recommend getting this card instead of Regalia? Also how does this compare to Diners Premium?

    Reply
    1. Siddharth Post author

      Regalia – Yes.
      Diners Premium – depends, as it has 10x and unlimited domestic lounge access.

      Reply
  14. Anirban Roy Chowdhury

    Hi Sid,

    While visiting BB few weeks back , a salesguy persuaded me to get the sbi fbb credit card with a limit of Rs 3.8L. Its tied up with FBB and I hardly buy clothes from fbb. Is there a way I can change that card and get a SBI prime card? Please can you let me know the process. Its not even a month that I got the sbi fbb card. Thanks!

    Reply
    1. Siddharth Post author

      Just raise a complaint with phone banking stating you’re not happy with FBB card and wish to change.

      Reply
      1. Anirban Roy Chowdhury

        oh..thats it ….Thanks ๐Ÿ™‚ …and hey …really appreciate the prompt response !

        Reply
  15. Prashant Gupta

    Siddharth if u can see how many of us spend mainly on grocery and departmental store max rs. 3-5k but on other spends much more say rs.10k for which u only get 0.5% points. And most of those working in MNC and PSU now days get sodexo and meal cards. I also buy groceries and others using sodexo which give tax benefits which is more useful. I cant justify its usage for a person u does not spend on grocery, reliance stores. Its a perfect mid ranger card which will give tough competition to RBL, Axis and sc bank and most probably trump them becuase of cool lounge access feature.

    Reply
    1. Siddharth Post author

      The milestone benefit increases the reward rate on other spends. ๐Ÿ™‚

      But yes, if you deal with lots of sodexo, it may help only a bit.

      Reply
  16. Ebin Johnson

    I go with Sid for the rating. I get Sodexo, but is mainly used for lunch + some cafeteria spends. Some shops accepts it only for food related purchases. Also Like Elite you can exchange your points for statement credit which is really useful. As a new card, at least for an year they won’t devalue it. Hope this justifies the current rating.

    I am using SBI Elite and AMEX Gold for last 3 years. SBI’s customer care is equally as good as the other.

    Reply
  17. Ashwin

    From the website only ELITE cards are eligible for statement credits. Can we have statement credits in case of PRIME also?

    Reply
      1. Rachit Goel

        Is there any RP limit on statement credit? Like only on accruing 5000 points like Citibank?

        Reply
  18. Gokul

    Does this card provide RP for Utility payments(Insurance, Bill payment etc)

    Reply
    1. Siddharth Post author

      This week i guess, you should be able to apply right away!

      Reply
  19. Amandeep singh

    Hi sid,
    Great article as always. M elite card is due for renewal in August if I swap to this card will I get yatra voucher?

    Reply
    1. Siddharth Post author

      Thank You!
      Yes, you get the welcome bonus as long as you pay the card joining fee.

      Reply
  20. Shobhit Kohli

    Dear Cardholder, we have introduced a few more features on your SBI Platinum Card, which will be applicable w.e.f. 1 Jul ’17. In all future communications from the effective date, your card will be referred to as ‘SBI Card PRIME’. Please note that all the existing features would continue to be applicable till 15 Jul ’17. For more details on the new features, refer to the e-mail sent on your registered e-mail ID on 15th Jun ’17 or visit sbicard website.

    Reply
  21. Shobhit Kohli

    All SBI platinum cards are being converted to SBI Card Prime ๐Ÿ™‚

    Reply
  22. Anil

    HDFC is reducing rewards day by day, no ewallet loading points, Regalis & Diners both are downgraded in comparison to their previous structure
    Amex raising spending threshold for offers & fee reversal getting touher
    Considering that this card is definitely good for 3-4 lacs spenders
    I used SBI Signature for a while till I could manage 5-6 lacs & then I got it downgraded to Simply Save which gives 2.5% on selected categories which is better than Indusind iconia 2%/1.5%, Yes Preferred 2%
    ICICI Rubyx still have better ratio 3.2%/1.6%

    PS : Sid thanks for such nice articles, even I am card freak & the way you put up info is commendable but my comments go under moderation each time & I do not even get notification if that goes live or some posts a reply
    Also post some article on comparison of diff reward options & catalogue
    thanks in advance

    Reply
  23. sundeep thomas

    Hi sid,
    I just got my Simplyclick advantage credit card two months back against a 1lac FD. I want to apply for this PRIME card mainly for lounge access.what is the procedure for getting this card? also would like to know if i ll get the same RP for spendings on amazon?

    Reply
  24. Mahendra

    I sid,

    I am regalia holder. I didn’t get any benifits from the card even I spend 15lacs last year. Mostly on retails and dinning( Travel is not my concern). As I saw this card details on your site, I immedialty applied today morning. As a surprise, bank called me collected documents too today itself.. They require only Aadhar, PAN and one photo(No ITR, no sal slips). I feel this card is definitely better than Regalia for milestone acheivements.

    Thanks for the article. Keep it up.

    Reply
    1. Shivi

      If your yearly spends are 15 L + then better apply for HDFC Infinia!

      Reply
  25. Saravanan R

    This is very good card with lounge access. My Dad holds SBI Platinum Credit Card and he often gets calls from SBI to switch to Elite or Air India Signature Card but i will tell him not to go for it due to high annual fee and no waiver option.
    But this is very good card with lounge access benefits andwith 3lac spend annual fee waiver, it is a must have card. Need to upgrade to it immediately.

    Reply
    1. Siddharth Post author

      You should have got upgraded for free if you hold platinum before ๐Ÿ™‚

      Reply
  26. Shivi

    Foreign Currency Transaction Fee for All Cards Except SBI Elite is still 3.5%. HDFC Regalia still scores over SBI Prime in that department with 2% markup.

    Reply
  27. Rahul

    I was planning to get a new CITI card, for spends approx. 1.5LPA. Would this be recommended for such a range. I would be ok to pay the joining fees since I am getting a Yatra voucher with it which I can use.

    Reply
  28. Anoop E S

    I am told by the SBI Customer Care that SBI Prime will be available only after July 15

    Reply
  29. Anil

    Thanks for deleting comments
    Your moderation is slow as well as pathetic

    Reply
    1. Siddharth Post author

      Not deleted. I approve when i get time. Usually takes about a week or so.

      Reply
      1. Anonymous

        Oh…what a busy man…better wash your face first before replying to queries

        Reply
  30. Prashant Gupta

    The min. One can earn considering only other spends is 2.7% and not 5%. Please correct above. Overall one can earn around 3%.

    Reply
    1. Siddharth Post author

      I’ve updated the numbers. Yes, it differs as we can’t find exactly where ppl would spend.

      Reply
  31. Vijay

    Does the Prime card accrue reward points for Fuel Transactions? Most credit cards do not give reward points for fuel transactions.

    Reply
  32. Anilkumar

    Everything looks goods, but It seems annual charge of 3000 +Tax is bit high

    Reply
    1. Shivi

      You can get SBI Gold card. It’s with Rs. 500/- annual fee ๐Ÿ™‚

      Reply
  33. Anwar

    Hey, I was forced by a sbi sales guy to apply for tata card and got it a week back with a ~1.5L limit. When can I ask for an upgrade for prime or a better card? Most of my expenses are on travel sites, and amazon. My other card is regalia first.

    Also, I can spent ~20L on jwelleries on coming months as a part of my sister’s wedding. Is there anyway to make use of card in that process?

    Thanks

    Reply
    1. Siddharth Post author

      Diners 10X promo should save you good amount.

      Reply
  34. Mahendra

    Hi Sid,

    Thanks for the article. I applied for the card and it has been approved. I will get hands on soon. Meanwhile I would like to get VISA SIGNATURE variant of the card as I saw offers on this variant. I called customer care, they have no idea how to get specific variant.
    Is there anyway that I can get VISA variant?

    Reply
    1. Mahendra

      And could you explain what is difference between prime and prime advantage cards?

      Reply
        1. Shivi

          Thanks for the clarification AS! I was confused with their “Advantage” tag too! Btw, I asked the SBI card team. Prime is issued against FD of minimum 50,000/- only!

          Reply
    2. Shivi

      There is no specific way. You just need to wait and keep asking SBI customer care if they have the VISA variant IF they issue you a MasterCard!

      Reply
    3. Hari

      You have to ask them for Visa Signature variant during the verification call.

      Reply
  35. Pradeep N

    I am using SBI Elite card since last so many years when it was Signature card. Recently PP benefit was announced on this card. I had earlier used the PP benefit when it was a Signature card and thereafter the PP card validity expired. SBI cards is reluctant to issue me another PP card after adding the PP benefits to the Elite Card. They say that I will have to renew it myself at my own cost to avail the PP benefits. Is SBI stand correct ? Can I get the card closed now and get my proportionate renewal fee back for the unused period ?

    Reply
    1. Shivi

      Renewal fees are non-refundable as per the terms & conditions of the card. You can close your current SBI Elite Card and apply for a new Prime card or new Elite card but that would come with its’ own set of charges.

      Reply
  36. Amit Kumar

    I Apply Sbi Prime card and now my application is approved and I got this Sbi Prime Card with in a week. Sidharth One Question for this SbI Prime card My all transaction online like ebay, amazon and utility bills paid mostly online I used this card if I spend online 100rs than how much reward points I earned on this card. Mostly All transaction I done online Only and I also one think is not clear in this card. “20 RP per Rs.100 spent: Standing instructions of Utility Bills payments (5% Value) ” What is Standing Instructions in this Card ? and what is 5% value. Please explain with easy way this line. Please gave me any example on this line than surely I understand what is the mean of this line.

    Reply
  37. Anonymous

    I have the Simply Click credit card. It has been only a couple of months though. Can I upgrade to Prime?

    Reply
    1. Shivi

      Guess what? Ask SBI card customer care! Ting Tong ๐Ÿ™‚

      Reply
  38. Nish

    Excellent review, you’ve convinced me to upgrade my Simplyclick card that came just a few days ago, hope sbi approve it.
    Check creditsmart for their review of sbi prime. They have literally copy pasted your article. Hope you’re flattered. Lol

    Reply
    1. Siva

      Unless you spend evenly on offline and online, I believe SimplyClick is the best card for online and as of now I chose not to upgrade to Prime.

      Reply
  39. Tushar Acharya

    I already have a Priority Pass Membership that I got with my HDFC Regalia First Card.
    Now, if I apply for the Prime card will I get a new Priority Pass Membership or do they add the benefit to the existing membership ? Can a single person hold two Priority Pass Cards/Membership ?

    Reply
      1. Tushar Acharya

        So I can hold two Priority Pass cards on my name ?

        Reply
  40. Harish

    I have got the prime card got degraded from elite, card looks super cool.

    Reply
  41. Sahil

    I also got my card recently…looking forward to using the benefits…

    Reply
  42. Saravanan R

    SBI Card is being very slow and pathetic.
    I asked for downgrade from SBI Platinum Card to IRCTC credit card for my dad card and request was not honoured, initially they made me wait more than 15 days and then i messaged again and they told me to visit sbi website and apply for new card.
    Then Prime Card was launched and on the same day placed request to switch from Platinum Card to Prime Card and it took more than 10 days for them to call them to brainwash into taking elite but declined and successfully placed request to change from Planitum to Prime and then again waiting.

    Reply
  43. Anish

    Hey, Sid!
    Can you just review SC Emirates World Card? BTW a comparison with Prime too ??

    Reply
  44. Mahendra

    Hi Sid,
    I applied this after reading review in your site. I spend 50k 15days back. Today, I called customer care for pizza Hut coupon which I didn’t received even after 15days. Shockingly, I was told that pizza hut coupon offer not applicable to all customers and it is applicable only to some prime cards. The offer based on some card codes. They told my card code is 751. I wrote mail to customer care. Waiting for reply. If the offer not applicable to my card, I will close the card.

    Reply
    1. Shivi

      That is typical of all Credit card companies ~ never reveal the full terms & conditions related to the offer!

      Reply
  45. Ebin

    Sid, looks like another guy is copying your reviews and adding minor changes. Not sure if I can mention the name here.

    Anyway, yours is d best work. Keep going….

    Reply
  46. Hemabh

    Dear Sir, I have become SBI PLATINUM card holder since last 2 months..Now i find out SBI has launched SBI PRIME instead of PLATINUM..If so – Will my card be changed to SBI PRIME (and will i get a New card) – Also – Mine is VISA PLATINUM..While SBI PRIME is shown to be VISA SIGNATURE…So which type of card will i finally hold in the end….And which type of card is better ??

    Reply
  47. Mouli

    Has anyone got 20 RP on Birthday spend ? Is there any max limit for this and how long will it take to get those 20 RP to be credited ?

    Reply
  48. Mouli

    Important Update on 20 RP / 100 on birthday: Its not only on Birthday but for three days

    – Cardholder shall earn total of 20 Reward Points for every `100 spent on Birthday for three days (applicable on your birthday, a day before & after)

    Reply
    1. Siddharth Post author

      Thanks for sharing the info. Its quite important indeed!

      Reply
  49. Amandeep

    Sid,
    I called customer service to switch to this card. As per them platinum is prime card now With all the benefits changed. They will send me platinum card which is prime card. Have you received the card does it say “Prime” on the card or platinum.

    Reply
  50. Ankit

    HDFC Regalia is changing pay per point to 0.5 instead of 0.6. Any way to freeze benefits?

    Reply
  51. prateek

    Is Prime better, or AmEx MRCC ?? I pay bills, eat out, but do not travel a lot.

    Looking at acceptance and points, isnt SBI Prime the best card now considering HDFC is relatively less on rewards after the devaluation. ps: HDFC refused me Regalia first as i just upgraded to AllMiles 4months back ๐Ÿ™

    Reply
    1. Siddharth Post author

      MRCC has fees and low acceptance. Yes, SBI PRIME is the PERFECT replacement for Regalia now.

      Reply
  52. Pranjal

    Went through quite a few of your articles (if I may call them that). Quite impressive. I just go the Prime Card, but then, online spends on this don’t seem to fetch very good returns. Wotsay you?
    Also, am a bit confused about Priority Pass. Can I just flash my credit card and gain access? Or should I use my Credit Card to get a Priority Pass membership. Also, does access mean free food and beverages too? Or is that chargeable?

    Reply
    1. Siva

      Agree. I also have a lot of online spends and chose not to “upgrade” to Prime from my SimplyClick card which gives roughly 3.5% return for the first 2 lakhs and 1.25% post that.

      Reply
  53. Mouli

    I used both HDFC Diners black (10X reward points on Birthday Spends) and SBI Prime (20 RP on Birthday Spends). I got 20 RP in SBI Prime within 2 days , that’s too fast. In HDFC I need to wait for 90 days then also they won’t credit the points, I have to call CC and send mail then they will credit. Awesome service from SBI. I got mail from HDFC RM, I called him for a clarification he was not even aware of 10x on Birthdays but when I called SBI CC they answered all the queries. High time to move to SBI Prime if you are holding any HDFC Cards other than Infinia and Diners Black

    Reply
    1. Priyank

      That’s true. Once the transaction is transferred from ‘In Process’ to ‘Settled’ (usually 2 -3 working days) the respective reward points are credited to account.

      Reply
    1. Saravanan R

      There is no LTF in SBI nowadays, they stopped.
      My dad is having platinum card as LTF and SBI offered several time for me to upgrade into Signature/Elite Card and turned down the offer saying i need it only as LTF.

      Reply
  54. Jagan

    Hi Sid,
    I own 2 cards citi and dinners.. SBI rejected prime application, donno why? any reason

    Thank you for your interest in SBI Card. We have received and evaluated your application for the SBI
    Card basis your bureau report for processing of your application pursuant to the consent given by you
    in this regard.
    We regret to inform you that basis our internal policy, we are unable to issue a credit card to you at
    this time.

    Reply
    1. Shivi

      They rejected my card against card criteria as well ~ no reason given @ CIBIL score of 850 & 5-year-old card with 7L limit. Sometimes I feel this CIBIL is just another way for the banks to bully law abiding citizens. Definitely doesn’t come in the way of people like Mallaya ~ Maal-liya-aur-bhaag-liya!

      Reply
  55. Vineet

    Do we have option to pay Rent (via RentPay) using this card? And does that comes under Utility bill payments?

    Regards,
    vineet

    Reply
    1. Sreehari

      Vineet, I checked with Red Giraffe and SBI both. Yes on both counts, so enjoy that 20 RP/Rs.100 on your rent ๐Ÿ™‚

      Reply
      1. ka

        4% return is too good to be true! what is transaction charges rate for rentpay on sbi cards!? is it 0.39%?

        Reply
        1. Priyank

          I think 20 RP will account to 5%.

          Also, if they charge GST on the transaction charges @18% that will bring it to a final rate of 0.46%

          Effectively, one can earn about RP @4.54% (which could be accumulated and redeemed in form of cash) ๐Ÿ˜€

          Correct me if I am wrong ๐Ÿ™‚

          Reply
          1. Priyank

            Can anyone please confirm if SBI will be charging 1.75% + GST on top of the 0.39% charged by Red Giraffe. I couldn’t get any information on Terms and conditions

            Need to pay rent for October, any updates will highly appreciated ๐Ÿ™‚

            Thanks.

          2. Priyank

            Can someone please confirm if SBI is going to charge additional 1.75% for registering Red Giraffe as Auto Pay?

            I have read some discussion going on in other article.

            Appreciate if someone can clarify this!

          3. Priyank

            After paying the rent through Red Giraffe, I got my RP credited to my card today.

            SBI CC clearly said that they will not be charging anything extra from their end for Auto Pay.

            The best part is that there is no capping on the reward points earned!!

          4. Narinder

            Hi Priyank,

            Were these RP were calculated as 5% for Red Giraffe, as SBI is saying 5% is for utility bill payments but rent payment is in different category, kindly confirm, so i should request for an upgrade to prime.

          5. Priyank

            Hi Narinder,

            Let me explain this you with the numbers

            I registered for a rent payment worth Rs. 38,000
            Red Giraffe charged me 0.39% + GST on that = Rs. 38,175
            Amount debited from my SBI Prime card (4 days before the due date of rent payment) = Rs. 38,175

            After the transaction moved from In Process to settled, RP earned = 7,635

            which turns out to be worth Rs. 1908.75

            I hope this clarifies to everyone!!

          6. Anmol Mithal

            Hi,

            I resisted online for auto pay facility but none of my bills are being settled & customer care is saying that they cannot billers registered as I did it online & they surprisingly do not have any auto pay facility for redgirraffe !!!!

            Is any one else also facing this problem ??

            Regards

  56. Mahendra

    Anyone get pizza hut e- coupon, welcome gift(e-coupon) of our choice till now?

    Reply
    1. Mouli

      Mahendra,

      I have received the welcome gift (Shopper stop e-coupon)but yet to receive the pizza hut voucher, raised complaint to the CC

      Welcome gift will be given , only after the first month bill is generated

      They mentioned in 15 days we will get the pizza hut voucher but its more than 24 days , still not received

      Thanks,
      Mouli

      Reply
      1. Mahendra

        Hi Mouli,
        Please raise a ticket and immediately escalate to Nodal officer. I did to and fro conversation with customer care people, but no use. The process will take about 1 month.
        Thanks for info about welcome gift.

        It seems nobody get e-coupon till now even after crossing 50k.

        Reply
  57. Nidhi chaurishiya

    I have applied for sbi irctc platinum card. But in message there is for prime card. Representative told me annual fee 500 rs but here is written for 2999. I have that is called cheating. Now m trying to talk representatives no body is giving answer. Please contact me for this

    Reply
  58. Guru

    Hello Sid…What are the redemption options for this card..? Can we convert the accumulated RP to Air Miles or can it be used for hotel booking..?

    Reply
  59. Prashant Gupta

    Nidhi, if u have the receipt of the application call the customer care and tell them about the situation.

    Reply
  60. Shivi

    Err… this is NOT SBI card customer care department Miss!!

    Reply
  61. Anant

    I am being offered SBI Prime and SBI Elite. Which is having better reward points and value for the annual fees?

    Reply
  62. Rakesh Reddy

    Hello Siddharth ,

    My query is whether the add on member alongwith my primary card can access lounhe access for a nominal fee on SBI prime card ?

    Reply
  63. Sreehari

    I received my SBI Prime card yesterday- received a Visa Signature variant even after categorically requesting for a MasterCard World variant. On speaking to customer care, they have informed that the MasterCard variant has been discontinued. Anyone here who has the SBI Prime Mastercard?

    Reply
  64. Prashant Sharma

    HDFC has lot of collaboration with GoIbibo and MMT. I get lot of offers such as 1200/1500 on booking tickets. Does SBI has these kind of offers or collaborations with any travel partners? Also, hdfc has far more offers running on different e-commerce portals…Is SBI in same league?

    Reply
  65. Sanjeev

    Do we get welcome bonus when we upgrade the existing card? Just curious lol

    Reply
    1. Sanjeev

      Called CC and we’ll get the vouchers. Also they’re offering only the visa varient. Are Visa card so bad for lounge access?

      Reply
      1. Hari

        By default, they are offering the Visa variant. We have to ask them for MC variant during the verification call and they will dispatch the same, if approved.

        Reply
  66. pradka

    Received my Prime today. Looks like the complimentary PP membership is only valid for 2 years. Is that the same with Regalia too?

    After 2 years, if you are still using the card, would it be renewed?

    Reply
  67. Ishan Garg

    Hello Author

    It’s a great article, helping us availing facilities.

    I wish to have a Debit Card which gives me Domestic & International Lounge access.
    I travel every 6 months, but haven’t used the lounge facility yet.

    Could you help me suggesting the best Debit Card which grants me Lounge access Domestically and Internationally.

    Thanks in Advance.

    Reply
    1. Prashant Gupta

      IDFC savings account comes with visa signature debit card. Check out the blog for other options.

      Reply
  68. Ram

    I recently obtained an SBI Prime Card. When I presented that at Chennai as ell as in Milan airports, it was not honoured for lounge access. Chennai lounge said I shoulkd have a Priority Card.
    Would you clarify how this works?

    Reply
  69. NITIN ARORA

    Hi Siddharth
    Is there any offer on Joining Fees for SBI Prime ? I am looking to consolidate my number of cards.

    Reply
  70. Yash J

    I have a Platinum SBI and got upgraded to PRIME, my only confusion is that I have a physical PP associated to my sbi platinum, with the new PP advantages on PRIME and since I became a prime member now, will I also be getting 4 visits internationally on PP? If yes then is it suppose to be used with my existing PP only?

    Reply
  71. Akshay Sapar

    Received my SBI Prime Card today! The card looks super cool and classy..Time to cherish the benefits now!

    Reply
  72. Sandesh

    Hi sid,
    I have applied for this card online on sbi but got rejected. when i asked they didnt gave a satisfactory answer y it was rejected. they said due to internal compliance. when i asked some executive at branch so they told practically SBI dont give to person not having relation with SBI bank. she asked me to open an current account and maintain 1 lakh balance.
    My problem is i cannot open current ac (CA) in sbi as i have CA and cash credit (CC) in IDBI bank. As per banking rules if i have CC of 1 bank then i cannot open CA in other banks.
    I already have 3 term loans with IDBI, RBL bank, Axis Bank and 1 CC with IDBI Bank.
    I have loan since 2-3 years with IDBI and 1-2 yrs with RBL and 1 yr with axis.
    I have always paid my EMI and interest on time but I dont know why SBI rejected.
    reason for opting this card is im into manufacturing so i have high electricity bills. So i can pay that bills by standing instruction with this card and will get high points. Is there any limit on this reward ? btw I couldnt find any restriction or limitation.
    Guide me how can get this card?

    Reply
  73. GOPINATH ARUMUGAM

    WHEN JOINING FEE OF RS 3000 WILL be taken….after receiving the card or after one year of completion of card..on SBI CARD PRIME

    Reply
    1. Mayank

      In the first statement as it is joining fees. After 45 days you will receive the vouchers.

      Reply
  74. Shivi

    So, what’s the credit limit everybody has been getting on Prime?

    Reply
  75. Manish

    SBI Prime has limited number of Billers availabl and they are charging for bill payment. CAT1/CA2. 1.82%+GST which means actual benefit of autopay biller is not worth as they are taking 2% upfront and giving points for later redemption. This is new card and slowly all hidden terms and conditions will come out.

    Reply
    1. Mahendra Kumar

      Hi Manish,
      SBI will charge 1.8% on cat2 biller only if you pay bills manually. If you set autopay option , no charges levied.

      Reply
  76. Manish

    And there is redemption fee of 99, then why would i go for auto bill payment with this card when other wallets are giving better offers and discount without any fee.

    Reply
  77. Shiladitya

    I applies for Prime card recently.
    Got a call from SBI to submit documents.

    They told me that they are providing only VISA variants, no mastercard.
    Is this true?
    I wanted to go for Mastercard due to more lounge accesses.
    Is there any way to get the Mastercard variant?

    Reply
    1. Hari

      Not True. Even I was offered a Visa variant. During the verification call I asked them for a MC variant. I was told that I would be issued a MC variant. I will confirm once I receive my card.

      Reply
      1. Sanjeev

        Yes,even i requested for the MC varient and they said they’ll put a note but can’t promise anything at the moment. I’ve received my card and its a MC varient โ˜บ๏ธ

        Reply
      2. Hari

        Received my Prime card (MC Variant) today. Applied on July 31st received the card on Aug 31st.

        Reply
  78. ANUGU RAVINDER REDDY

    Hi Sidharth,
    Thanks for the valuable info.
    iโ€™ve SBI Simply Click for 3 months. (credit limit is Rs.113000/-)
    1) I tried 2/3 times to upgrade my card to Prime. But they rejected. What might be the reasons for that?
    (My monthly usage is around Rs. 70000/-)
    2) can we have two SBI/ HDFC cards at a time.
    3) I have HDFC money back card ( credit limit is Rs. 60000/-) and they offered me to upgrade to Regalia First. Can I move to it?

    Reply
    1. Shivi

      1) I tried 2/3 times to upgrade my card to Prime. But they rejected. What might be the reasons for that?
      (My monthly usage is around Rs. 70000/-) – Check CIBIL statement for any discrepancies in the report.
      2) can we have two SBI/ HDFC cards at a time. – Yes. 1 secured against FD and the other unsecured
      3) I have HDFC money back card ( credit limit is Rs. 60000/-) and they offered me to upgrade to Regalia First. Can I move to it? – Yep. You should

      Reply
  79. Shivi

    Is there any way to put a net limit/sub limit on SBI credit card transactions like we can do in HDFC cards? I am not sure if leaving the entire credit limit open for fraudulent transaction/swipe is a great security feature! :-/

    Reply
  80. Uday

    I m using HDFC MoneyBack card for petrol, insurance, policy premium, online shopping and super market. Shall I get this SBI Prime card or any other.

    Reply
  81. Rochaak

    Hi All,
    If you go for Elite card you also get INR 500 for movie tickets on bookmyshow which is worth INR 6000 already .I am using Elite card from one year i also got pantaloons voucher worth the annual fee of INR 5000 .I think its worth it if you watch movies regularly as i have actually sold the tickets at half the price to my friends ๐Ÿ™‚ couple of times as well . i was also able to use the PP also for me and my friend at an international airport …

    Reply
  82. Maj Dr Gaurav Shetty

    Siddarth,i am holding SBI platinum credit card..but website says it is now changed to SBI prime card..Will i get the benefits of SBI prime on my SBI platinum credit card..thanks

    Reply
  83. Kapil Khurana

    Hi Sid

    I have accumulated about 6k points. How to encash them into statement credit? And will I be charged Rs. 99 for each encashment?

    Reply
    1. Kapil Khurana

      Asking again:-
      1. what is the process of redeeming RPS against statement cash credit?
      2. Will I be charged Rs. 99 for it?

      Reply
      1. Aman

        Send email to feedback[at]sbicard[.]com
        They can charge 99+ gst. Sometime they may revese this charge.

        Reply
      2. Mouli

        Call the Customer care for encashing the RP .
        Yes you will be charged 99 + GST 18%

        Reply
  84. Ashwin

    SBI has this nice system of first checking if we are eligible for card and only on the in principle approval do they come for documents verification. Timelines:
    6th August – expressed interest through my father’s referral
    9th – In principal approval after asking few details
    10th – documents collection
    19th – call verification
    Another 7-10 days before the card is dispatched. Requested for a MC variant. Lets see what I get.

    Can we add Tamilnadu EB as biller? We tried but there is TN Electricity bill option.

    Reply
  85. Sasianand

    How many SBI credit cards can be used by single customer?
    I am already holdingโ€‹ SBI simplysave Credit card .If I am apply for SBI elite card can I get it as a separate card with separate credit limit?

    Reply
  86. Mouli

    Hands on Experience of SBI Prime card

    This card gave me benefit worth 35000 in two months time

    I planned and did all my spends on my birthday for 5L and I got reward points around 90000(20RP/100)
    I adjusted RP against statement and got creadit fo 22000
    I got 3000 rs voucher against joining fee
    I got 3000 rs voucher for crossing the 4L spend (This was not mentioned anywhere)
    I got 7000 rs voucher for crossing 7000 voucher for crossing 5L spend
    Other good thing is when you make online payment through billdesk ,it reflects withins seconds and limit become availabe within a minute
    When I make the payment through bill desk for AMEX,Yes and other bank cards its taking 2-5 days
    offering Balance transfer for very less interest rate for 0% ,.5% and .75%
    I Used this card also for Lounge access in Chennai.someone previously mentioned that it didn’t work in the lounge
    Credit to Siddarth for introducing this card through this blog

    For spending 50k they said I should get 1000 rs PizzaHut voucher but after multiple complaints for last 2 months , still I haven’t received the voucher

    Reply
    1. Siddharth Post author

      Wonderful numbers! Happy Savings Mouli.

      Pizzahut voucher may take time. They might run the eligibility after the end of that quarter .

      Reply
      1. Mouli

        I got three thousand worth Pantaloons Voucher, there were other options also but I opted for this. This 4L is not mentioned anywhere. Anyone got it or I got it by mistake ?

        Reply
        1. purna

          this 3000 voucher for 4L spending is for 1st year only and they will offer only either pantaloons or yatra only.

          Reply
    2. purna chandra

      Hi Mouli,
      This is purna chandra.
      Like you only I spent total 5lakhs with in two months for different transactions.
      Totally I got 40000 reward points which is equivalent to Rs 10000.
      I received welcome voucher of 3000
      I received 3000 voucher for achieving 4L spends…
      I received 1000 pizza hut voucher for quarterly benefit.
      I received 7000 voucher for achieving 5lakhs spends…..

      Thanks a lot to SBI Prime……………

      Reply
  87. aayush gupta

    One more thing in terms and conditions of Sbi Prime card, it is mentioned that priority pass membership is for 2 years, does that mean it will extend after 2 years or it will stop after 2 years ? because it is the most important feature for me to apply for this card…..

    Reply
  88. Shiladitya

    I have received my SBI prime card y’day.
    Depite asking for mastercard variant 2 times during verification, they have given the VISA signature one which I am not happy about.
    Not sure if I should ask for change or whether it’s possible.
    Limit is 5 lacs.
    card looks nice and the overall packaging was also good.
    I am curious about the 10X points on department, grocery etc and whether the normal stores which I use qualify under those or not.

    Reply
  89. Manish

    My Experience with SBI Prime Card.

    1. They are very careless in handling customers, even if you escalate till CEO of SBI they will take minimum 15 days to resolve your query. Still waiting for my queries to be resolved.
    2. Auto bill pay has very limited options and no guarantee that it will be paid on time. They goofed up everything on my bill payment and transaction didn’t went through on scheduled date and I had to pay directly to provider to avoid penalty. After 5 days suddenly a transaction started showing in my account which actually happened 8 days late from scheduled payment. SBI is still investigating and no one knows what happened any why happened. Outcome is double payment happened.
    3. Even if your grocery transaction is 599.86 you will get 50 points and not 60 where as my other credit cards take up ceiling in such transactions.
    4. Apart from grocery stores ,reliance, big basket all other transaction give 2 pt/100 even if you swipe at POS machines in mall , My debit card is even better than this which gives 1% cashback on POS transactions.
    5. Customer service is very poor and doesn’t know answer of simple queries. I have 5 queries pending and for then 15 days minimum is normal time , before that don’t ask for resolution.

    20 RP per Rs.100 spent: Standing instructions of Utility Bills payments (5% Value) – Not worth I found only 1 utility bill payment for which they goofed up everything.

    20 RP per Rs.100 spent: All spends on your birthday (5% Value) – This is good but yet to utilize it.

    15 RP per Rs.100 spent: BigBasket, Reliance Fresh, Reliance Smart, Reliance Footprint, Reliance Trends and Sahakari Bhandar stores (3.75% Value) – other credit card have good offers on bigbasket. standard chartered will give me 5% on reliance fresh. If this applies to Reliance Digital than its ok but HDFC running offer of 10% on reliance digital so overall not worth.
    10 RP per Rs.100 spent: Dining, Groceries, Departmental stores and Movies (2.5% Value) I found Standard Chartered Manhattan card is better than this for groceries 5%, rest is good.

    All other spends: 2 RP per Rs.100 (0.50% Value) no difference as almost all credit card gives it and their reward rate is better.

    1 Reward Point Value โ€“ Rs.0.25 (can be adjusted as statement credit) – This is better but other credit card have better reward rate like sc manhattan 0.27, HDFC regalia 0.5 on regalia website else 0.30

    SBI Reward Redemption Fee: 99 – HDFC: 75, ICICI: 25, SC: 0

    3000 Renewal fee and 3L spend for waver – I would rather keep 2 credit cards which are either LTF or very less spend for waiver and still get almost every benefit this card is providing and sometimes even more when offers are running. And remember this card cannot match other card on online spends where most of people are doing transactions.

    Overall in my experience and usage its thumbs down, may be useful for people who does lot of high value transactions.

    Reply
    1. Manish

      I want to mention one more important information here which I got from customer service.

      Customers should know below codes for accelerated 10x rewards and wherever they go they should first ask what is your merchant code and then proceed with shopping?

      Departmental Stores & Groceries
      Department Stores 5311
      Grocery Stores & Supermarkets 5411
      Dining
      Eating Places and Restaurants : 5812
      Drinking Places : 5813
      Fast Food Restaurants 5814
      Movies
      Motion Picture Theaters : 7832

      Reply
      1. Siddharth Post author

        Thanks for the codes. But problem is those who swipe our cards in the counter never know any of these details!

        Reply
  90. Prashant Gupta

    I agree with manish. They take minimum 15 days to redolve query. And worst there cust care timings are 8-8 and sunday off wtf.

    Reply
    1. Mouli

      Yes, customer care is too slow.I raised issue regarding not getting 1000 rs Pizza hut voucher for spending 50k in June quarter on July 19th , still they are working on it and no resolution.

      I like the card features but CC is a big let down

      Reply
  91. Narinder

    While setting up the auto payment, SBI has different categories like Utilities,Insurance etc. As this card gives 5% on the utilities, will i get this 5% value if i place auto payment for my insurance premium??

    An in Indusind, for the bill payment we have a option, to pay manually. You register the biller, and you can login and initiate payment if you don’t want auto payment. But SBI only accepts auto payment. Is there any option to make it manual??

    Reply
  92. Prashant Gupta

    Another instance of looting by sbi. I checked my mobile bill of last month was charged Rs.74 for 37 pulses. I had to call them many times as they had issued me wrong card. Still after one month i have not received the correct card, infact bill has been generated for first month and annual fees has been billed. One should also factor the cost to call the customer care in the reward rate. Pathetic to be said.

    Reply
    1. Siddharth Post author

      Never call them, Let them call you. SMS PROBLEM to 9212500888 and get a call back from within 24 hours.

      Reply
      1. Manish

        I did sent SMS PROBLEM to 9212500888 and got reply back we can’t serve you please call on 18601801290.
        I called but the guy was not able to help me and told to send email and for 9 min 18 rupee deducted.

        For past 20 days I am following up on 3 requests, none of them is resolved, lost hope with SBI. I am not mad to raise another request and keep on chasing them. Highly disappointed . I have made huge mistake by taking SBI card. I will close the card as soon as possible and never go for it in future. Think 10 times before you go for SBI.

        Reply
        1. Siddharth Post author

          It happens at times. In such cases, you can raise requests through portal. This is not smooth either, but they do the needful at last escalation level.

          Reply
    2. Prashant Gupta

      Got my card closed without even using it. They raised the bill with annual fees without even card being delivered. I told them to reverse the charges and charge them in next month. They flatly refused. I was so irritated by then that i asked them to close the card and in this age they accepted my request in 1 second and closed the card. What a customer care and retention. I had same ezperience 10 years back and closed my card and vowed not to apply again and after this instance will not again.

      Reply
  93. Mouli

    There is an option My Interactions , once you logged into your account. There is an escalation option also , I am trying this option one and going to raise in Twitter also @SBICard_Connect.

    Has anyone used Vistara Lounge or Vistara Upgrade Voucher?

    Does Vistara have separate lounge in Delhi Airport ?

    Reply
  94. Mahendra

    Hi All,

    My experiance with BMS offer. (Applicable to Visa signature credit/debit cards under Visa Blockbuster Weekends Offer).

    I got 1+1 ticket worth 250/-(upto 300/- is the offer).
    In Food and Combo I got flat 200/- discount.
    This offer applicable from Thursday to Sunday till Dec 31st 2017.

    Addon card will be treated as seperate card. (Addon card number and primiary card numbers are different unlike HDFC)

    Reply
  95. Ashwin

    Yes, Vistara has a separate lounge at Delhi.

    Have you got the Pizza Hut vouchers? Also how is the auto bill payment doing?

    Reply
    1. Mouli

      Ashwin,

      Yes, I got the Pizza Hut vouchers atlast. I haven’t opted for auto bill payment.
      Any review on Vistara Lounge at Delhi ?

      Reply
      1. Captain Bishuddha Bharatiya

        Mouli congrats for Prime card. Can you please tell us how much limit you have in Prime ? You also seems to be having credit cards from other issuers. So please tell us about your all credit cards collections along with credit line. It will help us a lot.

        Reply
      2. Sreehari

        Few quick questions here.
        1. There is an upgrade voucher as well as a lounge access voucher. So if you grade to Business class using the upgrade voucher, do you get another access to the lounge?
        2. Do you have to call up the customer care for the joining and Pizza Hut vouchers?
        3. Has anyone used the Trident membership? Is it useful?

        @Mouli: Have been to the Vistara lounge once. Beautiful interiors, great food and mostly empty. Way better than Plaza Premium but not as good as the Amex lounge in my opinion.

        Reply
        1. Mouli

          Sreehari,

          1. Thanks for the info.
          2. Call to the customer care and you need to follow up with them to get Pizza Hut voucher, better raise the complaint online

          Reply
  96. Uday

    m using HDFC MoneyBack card for petrol, insurance, policy premium, online shopping and super market. Shall I get this SBI Prime card or any other.

    Reply
    1. Prashant Gupta

      Just call customer care and place a request to close or sms “problem” to 92125 00888.

      Reply
  97. sathya

    I dont think the Prime Card suits for all … they have set a maximum spend of 3 Lakhs rupees ans the renewal fee is tooo high 2999/- . We cannot use the cc for all the times and if even use it for 10 to 15k also then no use of the card with each year renewal 2999/-

    Reply
  98. SUDHAKAR

    1. Is it possible to swag from sbi prime to sbi simple save credit card ?
    2. I made a fixed deposit 70k and got my limit 55k. Now if I increase my fixed deposit, will they upgrade my credit limit ?

    Reply
  99. jitendra saraogi

    i have recd platinum card instead of prime card from sbi on the plea that now platinum card is being issued instead of prime card with same features of prime card.
    just wanted to inform and reconfirm about same.

    Reply
    1. Prashant Gupta

      Platinum and prime are not same. Who told you. Check with Cc. They generally goof up while processing card like mine.

      Reply
  100. arjun

    hi mr sidddharth very informative whatevr u r saying,,just wanted to know ,i already got my sbi prime card but my credit limit onle 41k,how do i upgrade it?i am self employed and last time i tried to increas my limit they rejected it…wanted to know how to successfully get a credit card approved “CARD TO CARD BASIS”,, I WAS REJECTED FEW TIMES ALSO..my other credit cards which i have hdfc money back and kotak ,,,thank u ,i applied card to card basis ofor rbl and hsbc and got rejected

    Reply
  101. Abhisek

    Siddharth, i have been seeing a rather strange issue with my new SBI prime master card , not sure if this is known or anybody has seen it before. On certain websites like Yatra, Airtel.in, Amazon add pay balance, payzapp app, my transactions does not go through and gets rejected citing different reasons on different website, other websites like vodafone, bescom and all POS transactions it has gone through fine . For e.g. on yatra it says its a card issued from outside India and hence did not accept transaction. On airtel it said not suitable gateway could be found . On payzapp it fails with technical reasons. On amazon pay add balance , the card does not get added while trying to add balance using this card.. I’m really puzzled , SBI customer care seems to have no idea about this problem and haven’t been able to go one step ahead for figuring out the issue .
    In you vast experience , have you ever come across similar problems before ?

    Reply
    1. Siddharth Post author

      Never have!

      This maybe due to the Bin Range. Consider changing the card to Visa variant if it continues.

      Reply
      1. Abhisek

        Hey thanks so much Siddharth for your suggestion and help as always !!
        For now SBI is shipping me a replacement mastercard (with a different number) , will update this page if the replacement works else will go for visa .

        Reply
        1. Siddharth Post author

          Problem with replacement card is they usually change only last few digits. Anyways, do see if it helps.

          Reply
          1. Sreehari

            Abhishek, I have the VISA variant and on certain websites the transactions don’t go through the first time but go through perfectly the second time. Amazon Add Pay, PayTM, Ola etc show this issue for me.

    2. ashu

      I face similar issue on my IndusInd Titanium Debit Card (MasterCard variant)…. some Online sites it easily goes through as usual, some Online Sites — it creates similar error / issues.
      their Customer care is also clueless about this.

      IMO , issue is related to BIN series maybe not updated / shared across etc or something…

      For Amazon, your Card will be shown as “Saved Card Details” option on Add Amazon Money. (as it is getting considered as International Card or Prepaid Card …)
      But it will get reflected Under –> My Account –> Payment options.

      One thing Confirmed — Issue is with MasterCard variant ONLY

      Reply
    3. ND

      Abhishek, I faced similar issue (my wife has the Prime variant) while adding money on Amazon Pay exactly like yours… It is a VISA variant! Looks like some goof up at SBI’s end for sure.

      Reply
    4. Sanjeev Khatoi

      The same thing is happening with me. I’ve a mastercard variant and i am facing exactly same issue. Called CC but they’re clueless. I don’t know what to do. Thinking of cancelling it

      Reply
  102. ashu

    @Sid….. Any Specific reason why Moderation is necessary for each & every comment…
    Could it be like Only New Users ( or Users with Less than 20 Comments) need to be moderated.

    At times, my reply / comment appears after 1-2days Gap….
    My Solution / Response / Query could be critical & urgent for someone or myself

    Reply
    1. Siddharth Post author

      I’ll take the feedback. Will see what could be done in upcoming design refresh ๐Ÿ™‚

      Reply
      1. ashu

        Thanks!
        Being receptive to Feedback is crucial to improve the Blog.
        Have been addicted to your thread since I have started reading in last 10-15 days….

        You may not Post an Article Everyday but I check it regularly at least 5 times a day to see any new Article on CardExpert..
        keep up the Good Work!

        Reply
        1. Siddharth Post author

          Glad to hear that.
          I’m working on increasing the frequency of posts in near future!

          Reply
  103. Abhisek

    Thanks guys for the responses , looks like the problem is seen across both Visa and MasterCard variants on certain bin ranges .
    @Sreehari- the transactions don’t go through even after multiple attempts for me .
    ND,sreeshari- Have you tried reaching out to SBI customer care , maybe you could too shoot an email to customer.care@sbicard.com from your registered email address , having talked to them they mentioned they have never heard anyone else complaining about this problem ๐Ÿ™‚

    Reply
  104. Manish

    I am also facing issues while doing transactions online on sbi prime visa variant card. Airtel, phonepe etc…. all of them i am having issues and getting errors as others mentioned above. And as usual SBI customer care is unaware of any such incidents and are saying transaction are not reaching to them so they can’t do anything. I will also try to request replacement card.

    Reply
  105. Abhisek

    @Manish, my replacement card too doesn’t work , seeing the same issues as i mentioned before with the exception of it started to work on yatra.com . Just escalated this case on helpline , i would really request everyone having issues with this card to escalate this case with SBI ,only if they receive multiple such complaints they may look into it.

    I’m sorry if i am hijacking this page with this particular issue ๐Ÿ™‚

    Reply
    1. Manish

      I also raised complaints couple of time with SBI and they are saying every time that no one else complaint about it. They said transactions are not reaching to them so we have to follow up with the merchant only.

      Reply
  106. Ganesh

    Just wanted to update on my usage of SBI prime CC –I received INR 500 pizza hut voucher after applying for an add-on card. The best part of the card was to pay rent through Redgirraffe which incurs 20 RPs/ INR 100. Recently, registered for payment of LIC premium. Not sure if it will also give max. RPs. Any inputs on RPs for LIC payments?

    Reply
  107. Priyank

    Hi Siddharth,
    First of all, you have been doing an amazing job keeping us aware of the benefits we can get with the variety of credit cards available in the market.
    After reading the reviews and input from other folks I decided to go with SBI prime card.

    The card was delivered today.

    While going through the Terms and Conditions booklet (Page 41 to be very specific), under Welcome Gift Terms & Conditions point #4 has mentioned the value of gift voucher as 5000 instead of 3000.

    Can we ask SBI Cards to give us voucher worth 5000 instead of 3000 based on this information ๐Ÿ™‚

    Looking forward for inputs from everyone on this

    Reply
    1. Aman

      Please see if you are looking at prime or elite. They may having having the same booklet or sent you elite booklet by mistake. ๐Ÿ˜‰

      Reply
    2. Santhosh Kumar

      I agree with you. I confirm that for the prime card user booklet clearly mention that EGV worth 5000 RS.

      Reply
      1. Priyank

        I have not got any resolution from the CC on this. Escalated the matter. hoping they would give what they have printed on the Terms and condition booklet ๐Ÿ™‚

        Reply
        1. Priyank

          I got to know from the customer care today that they will be able to give only a โ‚น3,000 voucher to me and not โ‚น5,000 as it was a misprint and nothing more than that.

          I have raised the grievance on their facebook’s official page. Will keep posted on the development on this issue.

          Feel free to have a look at their facebook page under ‘Posts’ section.

          Reply
  108. Priyank

    Guys, can anyone confirm which will be the best card to pay the LIC premium payment online using anyone of the following cards :

    1. SBI Prime ( Got this month)
    2. HSBC Platinum credit card (got 2 months back)
    3. HDFC TimesCard Titanium
    4. RBL Fun+ credit card
    5. ICICI Platinum chip card
    6. Yes Bank Rewards plus card (Got this month)

    Reply
    1. Sakthi

      LIC recently started charging service charge for all the credit cards (except AXIS)… also most of the cards doesn’t provide reward points for insurance payments (or reward points are capped)…i was using HDFC smartpay option till last month for LIC payment.. used to receive 1% cash back and reward points too..

      Reply
      1. Priyank

        Thanks for the reply Sakthi.

        However, I called the CC of SBI Prime card. Got my policy payment registered through them (as the option was not available online).

        They said I will be getting 20 RP/ 100 Rs. as the offer applicable on my SBI Prime

        Apart from that, I would be getting 20 RP / Rs. 1000 as well for the insurance policies

        Overall, this would give me 5.5% cashback!!

        The due date for the payment is 26 October, let’s see how it works out ๐Ÿ™‚

        Reply
        1. Ganesh

          Hi Priyank,

          Can you please update if you got 20 RPs against INR 100 for LIC payment.

          Reply
          1. Priyank Khandelwal

            The premium payment of LIC was charged on 21st October and today it got settled.
            I have received 9200 RP for my LIC payment (standing instruction – autopay) of โ‚น46041

            Enjoy!!

        2. Pratik

          Can we Pay LIC Insurance Premium through Auto Bill Pay in SBI Prime Card?

          Reply
          1. Ganesh

            Yes, LIC bills can be registered by calling customer care representative (most of them do not have clue about if LIC bills could be registered and paid). But their system is lousy.

            Another method of LIC payment is through eWallets–no extra charges applicable. I paid through JioMoney.

          2. Priyank

            I am not sure why my last comment was not approved/ still pending by the moderator.

            Reposting again :

            The premium payment of LIC was charged on 21st October and today it got settled.
            I have received 9200 RP for my LIC payment (standing instruction โ€“ autopay) of โ‚น46041

        3. Pratik

          Hi Priyank,

          Any Update on “The due date for the payment is 26 October, letโ€™s see how it works out”

          Regards,

          Reply
          1. Priyank

            Hey Pratik,

            I wish I could approve my messages right away. Not sure why has it been kept pending under moderation for so long.
            I hope it gets through this time.
            The payment for LIC was deducted on 23 Oct from my card and payment was made to LIC on 26 October.

            I got the reward points @ rate of 20 RP/ โ‚น100 spent.

            One more benefit I could see was – while paying the LIC Premium from LIC website, there is an extra charge for the credit card payment which otherwise on setting Auto Pay will not be levied.

            Enjoy!!

  109. Shiladitya

    Just an update from my side –
    I got my first statement today.
    For total spend of Rs 10816, I have got 692 reward points.
    The calculation is complex but it seems for several of my spends I did actually get the 10 reward points per Rs 100 which applies to dining, groceries or departmental stores. So, my guess is that most of the leading stores are meeting this criteria which is great.
    So, based on this statement, my reward rate is 1.6%.
    This is excluding all the accelerated reward points based on spend.
    So, my conclusion is – if somebody is using this card as primary card and annual spend is around 5L, you can easily earn around 4% overall reward rate and the renewal fee waiver.
    But if annual spend is less than 3L, this card is not a good option as you have to pay renewal fees plus you don’t get the milestone benefits.
    I am happy with this card overall but the only problem is this is a VISA card and therefore, lounge access is limited to very few lounges in India

    Reply
  110. Shiladitya

    I wanted to add something to my previous comment but there is no edit option.
    So, posting as a separate comment.

    I don’t think this card is as great as I thought it should be.
    There are a few issues –
    1> If annual spend is less than 3L and you don’t meet the milestone benefits criteria, the average reward rate is around 1.5% which is good but not great. You can get similar reward rates from life time free cards.
    2> SBI is mostly providing VISA variant only. So, lounge access is limited

    However, SBI sometimes runs good promotions on sites like Amazon or flipkart and hence it makes sense to have a SBI card. Since they don’t have LTF cards, you can go for simplyclick or simplysave based on your need which has renewal fee waiver on less annual spends.
    I think i’ts better to go for Yes exclusive or Yes preferred card than this one.
    I will most probably not renew this next year

    Reply
    1. Priyank

      Till the time they are giving 5% back as RP (20 RP/ 100 rs ) I am going to continue with this card.

      For a simple reason, there is no cap on the reward points earned (monthly/ yearly) and my rent payment through Red Giraffe (through which I am getting 4.54% return as rewards) alone will make it very easy for me to complete 3 lakh in a year. I can easily target to complete 5 lakhs as well.

      Although there are no milestone gifts/ rewards post 5 lakh spent. However, one can continue to pay the bill through the Auto Pay facility and earn rewards.

      Reply
  111. Shashank

    Hey Sid, I don’t have significant spend on the utility or groceries in the specified stores (for 5% rewards). Overall spend in a year is currently approx 3 lakhs – Yes Bank approached me for the Yes First Preferred card but with a rider of 3 lakhs FD. I’m unable to decide between the two cards since the I don’t spend a lot on Pizza Hut (reducing the milestone benefit that SBI provides). Your thoughts ?

    Reply
  112. Priyank

    Just a correction based on the information you shared by CC, the domestic lounge access (Visa Lounge) is valid for add on card as well. Both the primary and add on card(s) will share the common allowance, i.e. 2 access per quarter.

    Reply
  113. MOHAMMED ABDUL WAHED

    Hi sid,
    In your opinion which is better mastercard world or visa signature.

    Reply
  114. Abhisek

    @Priyank – good to know about both lounge access on add on card and LIC payment via SI . Had a couple of questions.
    1. have you availed of lounge benefit with your add on card ?
    2 . also i hope this will be valid for master card as well . can we use the lounge access twice at the same time – one on primary and other on add on card ? reason being both me and my wife would be travelling soon and would like to avail the lounge access at the same time for both of us.

    BTW on the issues with regards to payment on some websites which i highlighted with the prime card , there has been absolutely no progress from SBI customer care. they simply can’t seem to accept it as an issue from their end.

    Reply
    1. Priyank

      1. Not yet availed. However, got this information from CC. Will update you on this once I get a chance to use it.
      2. It should be valid on both Visa and Mastercard. Yes, you can use it on both the cards simultaneously.
      However, keep in mind the limit (quarterly basis) on lounge access would be on shared basis.

      Reply
  115. SN

    Sid – I owe my SBI Prime card to your blog, as this is where I learnt about it first. Thank you.

    I was blissfully unaware and seemed to be doing just fine with my decade old ICICI card (credit limit 42,000 !) and HDFC Regalia ( limit 3,00,000). I chanced upon your blog a few months ago when I read about HDFC Regalia devaluation, and that led me to the SBI Prime post, and the rest is history.
    Here are some stats:
    > Applied on Sept 22nd
    > Card Delivered on Oct 3rd
    > MasterCard, Limit Rs. 3,84,000.

    Will share more updates after my first statement. Thanks to all who have posted their experiences and made this an extremely informative thread.

    Reply
  116. Hari

    Sid,

    Today I called MC toll free number to check the number of Complimentary Lounge Visits. It says two are available for add-on card and same with the primary card too. Does add-on card and primary card has a combined limit of 2 visits/quarter ? Also, do we have a toll free number like MC for Visa to check the number of complimentary visits available ?

    Reply
    1. Siddharth Post author

      I’m not sure on this Hari.
      @ PRIME Card users, Pls throw some lights!

      P.S. No # for Visa avail.

      Reply
    2. Abhishek Roy

      You’ll have to check about this. Diners Cards allow cumulative lounge visits. Means the total number of left over lounge visits can be used by both Primary and Add on card members I guess. But there is no way to check.

      Reply
  117. Vicky

    Ever since I got my Prime card, I have been receiving multiple calls from CPP, Royal Sundaram and other insurance companies offering anything from card liability cover to accident cover. It feels like violation of your privacy as clearly my contact information and card delivery status has been shared with these people. I understand the need t cross-sell, but this is definitely undesirable and almost shady tactics by SBI.

    Reply
    1. Gaurav

      I was getting the same too, but stopped post closure of card.:P

      Now i am getting sms’s for re issuing of card

      Reply
      1. Priyank

        Simply tell them , you have a similar protection plan from some other bank.

        They stopped calling me on informing the same.

        Reply
  118. Ram

    Definitely someone’s selling the information. Within a couple of days of getting the SBI Simply Click card about 3 months ago, i received a call asking for my card details for sending me a gift voucher. True caller had already identified that it was a fraudulent call. The next time i got a call about 2 weeks back saying my card has to be replaced with chip enabled card and the caller was asking me to share my card number and details. This time as well True caller did the job. Your comment reminds me that i have to report it to SBI CC

    Reply
    1. Prashant Gupta

      Same here Ram. My wife also got a call the lady knew the card number but was asking other details like card expiry, address etc. my wife called me same time and i asked her not to disclose anything. She then talked to that lady with authority and she immediately cut the call.
      SBI is pathetic, be carefull if you have their credit card.

      Reply
  119. Sayan Nandi

    Hi,
    I have sbi prime card, can you please tell me what will be the charges if i use it in Thailand???

    Reply
  120. Mahendra

    Hi all,
    There is an important update, transaction reversal will not consider as a statement credit in SBI.
    I made a booking in Yatra.com worth of 50,000/-. I cancelled the ticket and got a refund of 30,000/-. Total payment due is 70,000/-. So I paid 40,000/- excluding reversal. SBI didn’t consider refunds and fined me around 3.5% on total due but not on the remaining amount. I raised a complaint. Waiting for updates.

    Reply
    1. Priyank

      I checked with the telephonic customer care on this.

      They said that in a similar scenario (as mentioned above,) the amount payable should have been 70,000 and not 40,000 (post-adjustment) and the refund of Rs.30,000 would be adjusted in coming bill.

      I have also sent an online request to understand this better (through SBI portal).
      Will share here once I get an update on that.

      Reply
  121. Ashwin

    I’m using the card for the past month and it is by far the best card for Utility payments. Had requested and received add on card without much hassles.

    1. I’d requested for MasterCard variant during verification but received Visa. I’d request to issue a MC card now which they said is “not available” for me. Nontheless the request was taken and it might take a couple of days for them to take decision. Any pointers as to how to take this forward?

    2. Statement credit will be done but there is a Rs 117 charge. If we take e-vouchers, then there is no Rs99+GST charge.

    Reply
    1. Sreehari

      Ashwin even I received a VISA card even after specifically asking for MC variant. Do update us regarding the discussion for reissue.

      Reply
      1. Ashwin

        I had raised complaint online two times that I requested for it and the response I got was:
        1. “We wish to inform you that there is no difference in the features of visa and master card.”
        2. “We hereby inform you that due to a technical encumbrance, we shall be unable to up-grade/covert your SBI Master card to a Visa card.”

        Then I escalated to level one. Got a call from the nodal officer saying that the features are same in both the variants. Then I’d explained that there are subtle differences which I find attractive over Visa variant. Still they did not budge and like a parrot said the same thing that there is no difference in the variants. I then gave told I’m going to escalate to next level. Then the told they will consider and asked me to wait for seven days.

        Will update later.

        Reply
    2. Priyank

      for Point #2 – are you sure there are no charges on e-vouchers?

      Can someone please confirm if they have had taken a voucher and no charges were applicable on it?

      Reply
      1. Ashwin

        @Priyank –
        As per the CC, there is a Rs 117 charge for statement credit or where they need to do a courier. For e-vouchers there are no charge.

        @sid, Though the messages were replied on Oct 24, I’m seeing them on Oct 31 only. Please remove the comment moderation. Or consider using a captcha to remove spam bots posting.

        Reply
  122. Mahendra

    Hi Sid,

    Sbi introduced new variant in prime card. i.e, Prime pro. This is card is applicable to selected customers.

    Differences:
    1. No joining fee(First Year free)
    2. Renewal fee waiver on spending of 2lac instead of 3lac unlike in Prime card.

    Remaining features and offers are same.
    My father is applying for this card. Will let you know any other differences once card received

    Reply
    1. Priyank

      Any source from which you came to know about it?

      I am unable to find any news/ article on Prime Pro credit card.

      If you have any update, could you please share?

      Reply
      1. Ashwin

        @Priyank,
        My card is also marked “PRIME PRO” on website though image not loaded. Card dispatched on November 1. Yet to receive. See my comments above. I’d requested for a MasterCard variant and I think they ave issued it.
        Also if you’re a SBI Exclusif customer you get PRIME PRO where first year fee is zero.

        Reply
      2. Mahendra Kumar

        Hi Priynak,

        Even I didn’t find any information. Customer representative directly contact my dad in branch and my dad agreed to apply. It may take 15 more days to receive the card. I heard info about this card second time when a customer representative called my dad to explain features of the card. Except two points mentioned above, no other deviations from Prime card.
        Anyway, we can’t apply this card directly. This is for selective people only.

        Reply
  123. Praveen Perumalla

    My wife applied for the card and got one recently. But they issued the old platinum card saying it I’d Prime. I asked for a reprint with the new design and they denied. So I called CC got the card blocked and got it reissued. Again, they have sent the old platinum card and I don’t like that design. What should I do to get the card with the actual Prime design?

    Reply
    1. Siddharth Post author

      Lol. Looks like they’re getting rid of some old plastic!

      Maybe you need to wait for a month and then try again.

      Reply
    2. Prashant Gupta

      How does it matter. Anyways sbi is the worst. Try to stay away from them. I can very well equate SBI and Flipkart. Both arrogant and thinking that customers are fool.

      Reply
  124. Priyank

    Write to the social media team and say that you never applied for Platinum card but a PRIME card.

    Hope that should be able to help you on this.

    Reply
  125. K A

    What are criteria to increase credit limit in SBI ?
    How to apply for credit limit increase in SBI , not able to find option in Internet banking !

    Reply
  126. Abhisek

    @KA, pls call customer care and they would guide you . you would have to fill a form for credit limit increase and attach a couple of income proofs they may ask and email them. i got it done last month.
    @Priyank – did your LIC payment via SI go through ? i asked them to add mine 3 weeks back but its not added yet

    Reply
    1. Priyank

      You won’t be able to see the LIC bill in your internet login portal. Since, it must have been registered by calling the customer care.

      However, you will receive the details/ update on your email/ SMS.

      Do note that the Bill payment is debited from the card usually 5-6 days before the end of grace period of premium payment and it is credited to the LIC on the last day.

      For confirmation, you can check with the customer care if the bill is scheduled properly or not. Also, make sure you have enough available credit limit in that duration.

      Hope it helps.

      P.S. My policy payment went smoothly with SBI Card ๐Ÿ™‚

      Reply
      1. Sulabh Gupta

        According to the SBI website, LIC is a category 2 biller which means we incur a 1.82% surcharge on payment through SBI easy bill pay. Were you not charged for this?

        Reply
    2. JR

      @Abhisek, is it possible to get sbi limit increase based on another credit card limit ? having another cc with 3X limit than SBI. not having any IT document for support

      Reply
      1. Abhisek

        @JR, im not sure about that. SBI may insist on some income proof to increase the credit limit. you may want to check with the customer care.

        Reply
  127. Sulabh Gupta

    Is there still some free vouchers up for grabs for applying an add-on card ๐Ÿ™‚ ?

    Reply
  128. Ashwin

    I now have a MasterCard variant! I was issued Visa and here is how I got it changed:
    I had raised complaint online two times that I requested for it during verification and the response I got was:
    1. โ€œWe wish to inform you that there is no difference in the features of visa and master card.โ€
    2. โ€œWe hereby inform you that due to a technical encumbrance, we shall be unable to up-grade/covert your SBI Master card to a Visa card.โ€

    Then I escalated to level one. Got a call from the nodal officer saying that the features are same in both the variants. Then Iโ€™d explained that there are subtle differences which I find attractive over Visa variant. Still they did not budge and like a parrot said the same thing that there is no difference in the variants. I then gave told Iโ€™m going to escalate to next level. Then the told they will consider and asked me to wait for seven days. Got issued in 4 days.

    Reply
  129. Shivi

    A heads-up for all SBI Prime card users. My SBI Prime card has already been compromised twice in a space of 3 months. The first time in Mid Aug and the second time on November 1. Unauthorised usage from Brazil and Chile on an American game site. And it has to do with one of the SBI partner sites which in my case is Amazon! So, keep your “International Usage” on SBI Prime deactivated and active/deactivate it as and when you are making an individual transaction only. DO NOT leave the “International Usage” activated.

    I will be closing the SBI card and won’t be taking another one from them. Too scared to even use it normally :-/

    Reply
    1. Mahendra

      Hi Shivi,
      It is better to disable international usage always. When you require you can enable on the fly. You can disable for intentional usage from sbicard.com website, in requests section.

      Reply
    2. Sulabh Gupta

      That’s actually my guidebook. I keep all cards disabled for international usage apart from AMEX.

      Reply
  130. Captain Bishuddha Bharatiya

    Today I got aprroved for SBI Prime master card. I applied for the 4th time and than I got approved. Got 75k limit. Hoping to reap birthday benefits on 14th November. Planning to spend at least 2 lakhs in a day.

    Reply
    1. Santosh Prasad

      What was your CIBIL when you got approved? I also have tried 3 times with no success. My CIBIL is in 760. Can you please tell how much gap should be there between 2 applications..

      Reply
    2. Santosh Prasad

      Did you applied online through sbi card website or by any other way?

      Reply
  131. Aaron

    Just a quick question, not sure if this has been discussed in the previous comments, can the Tata Platinum Credit card whoโ€™s tied up with sbi be compared with this sbi prime card or can you do a separate review the Tata Platinum credit card?, thanks Aaron

    Reply
  132. thomas

    Is it wise to change from Simplyclick creditcard to Prime? i do a lot of shopping from amazon. Using the spend analyzer of sbicard online, amazon is catogerized as dept and groceries. so will my reward points get reduced if i change to Sbi prime? But then i also wanted domestic and international lounge access. the other cards i use are are indusind signature(1.5%return) , hdfc allmiles card(useless card,which they simply wont upgrade) and icici rubyx. i do more than one lakh spend a month.

    Reply
  133. Manish

    SBI is worst. I did transactions at restaurants which has hotel too. I did not get 10rp/100 instead got 2rp/100.

    Have been chasing SBI customer care for 15 days but same old reply check out our link for merchant code, your transaction is not eligible for 10 reward points.

    So for dining no accelerated reward points. Check merchant code before you transact.

    Reply
    1. Priyank

      I have been getting the points into my account correctly for all the expenses – accelerated / normal both.

      Is it happening only for a particular hotel/ merchant or for multiple transactions done at distinct places?

      Reply
  134. Santosh Prasad

    Do we get gift vouchers on payment of renewal fees also or is it only given as welcome gift for 1st time fee?

    Reply
    1. Priyank

      It is valid only on paying the joining fee (1st year) and not on payment of the renewal fee.

      So, it is just a one-time thing for the Rs.3000 vouchers that you would get.

      Reply
      1. Santosh Prasad

        Thanks Priyank. I think there should be a thanks option also besides reply option so as to thank or upvote for helpful suggestions.

        Reply
  135. Sulabh Gupta

    According to the SBI website, LIC is a category 2 biller which means we incur a 1.82% surcharge on payment through SBI easy bill pay. Are folks not getting charged for this?

    Reply
    1. Priyank

      They are yet to update this information in the online portal.

      The categorization of billers into Cat 1 and 2 have been stopped completely.

      You won’t be charged anything by SBICard over and above the bill received.

      Hope it helps.

      Reply
  136. Vinay

    What is your opinion on citi bank Premiermiles credit card against the SBI Prime? Please advise if the reward points expire on this Prime card? Where is Premiermiles points will not expire and I have an option to convert the points to airmiles.

    Reply
  137. Abhisek

    Just a quick update that i was able to use my wife’s add on card for lounge access in Terminal 1 Plaza lounge in Delhi
    I used a different card for myself so I’m not sure if the visit on the add on card is counted against the primary card or separately ( as per CC there is only 2 access overall per quarter)

    Reply
    1. Ashwin

      Was it a MasterCard variant?

      I’ve a MasterCard variant and used for add on card. As you did, I also used another card for my access.

      Reply

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