Karur Vysya Bank SBI Card Prime

Renewal feeJoining fee

₹2,999 + GST

Fee waiver rule

Fee waived if you spend ₹3 lakhs.

Add-on card fee

₹0

Welcome benefit

Welcome e-Gift voucher worth ₹3,000.

Reward rate

2 reward points per ₹100 · everyday spendsEarn 2 reward points per ₹100 on all other retail spends, except fuel.

Groceries earning

10 reward points on dining, departmental stores and grocery spends.

Reward earning on dining spends

Get 10 reward points on dining, departmental stores and grocery spends.

Utilities earning

Get 20 Reward Points on utility bill payment standing instructions.

Reward caps

Earn 20 Reward Points per ₹100 on birthday spends (valid one day before, on, and one day after your birthday) Reward Points capped at 2,000 per calendar year.

What one reward unit is worth

4 Reward Points = Re. 1 when paying your outstanding card bill using reward points.

Statement-credit redemption

Pay your outstanding card bill using reward points. 4 Reward Points = Re. 1.

Point expiry

Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month

Domestic lounge access

8 complimentary domestic airport lounge visits (max. 2 visits per quarter)

International lounge access

4 complimentary International Priority Pass Lounge visits per calendar year, outside India (max. 2 visits per quarter)

Priority Pass

Complimentary membership to Priority Pass Program worth $99.

Hotel or travel programme

Complimentary 1-year Club ITC Silver Tier Membership.

Milestone benefits

Pizza Hut e-voucher worth ₹1,000 on quarterly spends of ₹50,000; more milestones, including an e-gift voucher worth ₹7,000 from Yatra.com/Pantaloons on annual spends of ₹5 lakhs

Fuel surcharge waiver

Enjoy a 1% fuel surcharge waiver on every transaction between ₹500 and ₹4,000 at all petrol pumps across India. (Extra service tax as applicable)

Lost card liability

Complimentary credit card fraud liability cover of ₹1 lakh.

Add-on card eligibility

Add-on cards for parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Transfer outstanding balances of other banks’ credit cards to your SBI Card PRIME at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

Flexipay EMI: convert eligible purchases into easy monthly EMIs.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% on transactions ≥ ₹1,000 in Indian currency at an international location or at merchants in India but registered overseas

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Cash advance interest

Free credit period Nil on cash advances; finance charges 3.75% p.m. (45% p.a.) for unsecured cards, applicable from the date of cash withdrawal

Cash withdrawal limit

Max. cash withdrawal limit is ₹15,000 per day on MCC – 6011 (ATM Withdrawals), subject to Cash Advance Limit availability

Interest on unpaid balance

3.75% p.m. (45% p.a.) for unsecured cards.

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

From Nil (amount due ₹0 to ₹100) to ₹1,300 (amount due above ₹50,000)

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600). Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund.

Payment return or dishonour fee

2% of payment amount (subject to a minimum of ₹500)

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250

Cheque payment / dishonour fee

₹200

Education / school fee charge

Fee on Education Payments^ : W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps

Foreign ATM fee

International ATMs: 2.5% of transaction amount, subject to a minimum of ₹500

Reward redemption fee

Rewards Redemption Fee: ₹99+ applicable taxes.

Wallet load charge

Fee on Wallet Load^^^ : W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

Fuel transaction fee

Petrol & all products/services sold at petrol pumps: 1% of transaction amount + all applicable taxes; fuel surcharge is levied by the acquiring bank providing the terminal to the merchant

Rent transaction fee

₹199+Applicable Taxes

Utility transaction fee

If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.

GST note

Integrated Tax @ 18%

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of GST + 100% of EMI amount + 100% of Fees/Charges + 100% of finance charges + Overlimit Amount (if any) + 2% of remaining balance outstanding

Minimum age

Minimum 21 years