HC SBI Card Prime
SBI Card
Earn rate
Confirm on the official page
Official source not yet captured
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
Overview
HC SBI Card Prime by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹2999 + taxes.
VerifiedHC SBI Card Prime — official product page18 Aug 2026, 10:13 PM ISTSBI Card
Fee waiver
Annual fee of ₹2,999 waived off on annual spends of ₹3 Lakh or more in the preceding year.
Verifiedlounge_travel18 Aug 2026, 10:13 PM ISTSBI Card
Renewal fee
₹2,999 (Waived off on annual spends of ₹3 Lakh or more in the preceding year).
Verifiedkfs18 Aug 2026, 10:13 PM ISTSBI Card
Rewards
Redemption value
- Rewards Redemption Fee ₹99 applicable only on physical products, statement credit & vouchers sent physically (all cards except AURUM).
- No fee if card account voluntarily closed on fee posting date.
- Reward Points valid for 24 months and expire on the last day of the 24th month.
Verifiedmitc18 Aug 2026, 10:13 PM ISTSBI Card
Reward exclusion
VerifiedHC SBI Card Prime — official product page18 Aug 2026, 10:13 PM ISTSBI Card
Travel & lounge
Lounge access
- All Airport Lounge visits within India through International Lounge Access Programs (like Priority Pass program) will be charged a usage fee of up to USD 27 per visit + applicable taxes.
- Outside India through such programs, after exhausting complimentary visits, up to USD 27 per visit + applicable taxes.
Verifiedmitc18 Aug 2026, 10:13 PM ISTSBI Card
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
12,000 bonus reward points worth ₹3000 on payment of annual fees (threshold: payment of annual fees).
VerifiedHC SBI Card Prime — official product page18 Aug 2026, 10:13 PM ISTSBI Card
Milestone benefit
20,000 bonus Reward Points on overall annual retail spends of ₹5,00,000.
VerifiedHC SBI Card Prime — official product page18 Aug 2026, 10:13 PM ISTSBI Card
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Foreign Currency Transaction Fee: 3.5% (for all cards except AURUM, Elite, Prime NRI Secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/Miles Prime/Miles).
Verifiedlounge_travel18 Aug 2026, 10:13 PM ISTSBI Card
Charge
- Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards.
- Minimum finance charge ₹25.
- Cash Advance Fee: 2.5% of transaction amount (min ₹500) at domestic and international ATMs.
- Cash Payment fee: ₹250.
- Payment Dishonor fee: 2% of Payment amount (min ₹500).
- Cheque Payment Fee: ₹200.
- Late Payment: Nil for ₹0-₹100.
- ₹100 for >₹100 & up to ₹500.
- ₹500 for >₹500 & up to ₹1000.
- ₹750 for >₹1000 & up to ₹10,000.
- ₹950 for >₹10,000 & up to ₹25,000.
- ₹1100 for >₹25,000 & up to ₹50,000.
- ₹1300 for >₹50,000.
- Additional Late Payment Charge ₹100.
- Late Payment Charges on RE: ₹500 for outstanding >₹1000.
- Overlimit Fee: 2.5% of Overlimit Amount (min ₹600).
- Card Replacement: ₹100-₹250 (₹1,500 for Aurum).
- Dynamic Currency Conversion Fee: 3.5%.
- Utility Payments Fee (w.e.f. 1st Dec 2024): 1% of total Utility Payments if total exceeds ₹50,000 in a billing cycle.
- Fee on Education Payments (w.e.f. 1st Nov 2025): 1% of transaction amount via third-party apps.
- Fee on Wallet Load (w.e.f. 1st Nov 2025): 1% of transaction amount on every wallet load exceeding ₹1,000.
- Processing Fee on Rent Payment Transactions: ₹199.
Verifiedlounge_travel18 Aug 2026, 10:13 PM ISTSBI Card
Interest-free period
Interest free credit period could range from 20 to 50 days, subject to submission of claims by the merchant (applicable only on retail purchases and if previous month's outstanding balance is paid in full).
Verifiedlounge_travel18 Aug 2026, 10:13 PM ISTSBI Card
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
Is the HC SBI Card Prime annual fee ever waived?
Annual fee of Rs.2,999 waived off on annual spends of Rs.3 Lakh or more in the preceding year.
lounge_travelWhat lounge access does the HC SBI Card Prime include?
All Airport Lounge visits within India through International Lounge Access Programs (like Priority Pass program) will be charged a usage fee of up to USD 27 per visit + applicable taxes.
mitcWhat are the transfer ratios for HC SBI Card Prime points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.sbicard.com/en/personal/credit-cards/sbi-card-prime.html.
Verifiedlounge_travel18 Aug 2026, 10:13 PM ISTSBI Card
Verified 2026-08-18 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
( Continue exploring )