South Indian Bank SBI Card PRIME

Renewal feeJoining fee

₹2,999 + GSTRs. 2,999 + taxes from second year onwards

Fee waiver rule

Fee waived if you spend ₹3 lakhs.

Add-on card fee

Add on Fee (p.a.) Nil.

Welcome benefit

Welcome e-Gift voucher worth ₹3,000, chosen from travel and lifestyle brands; voucher link sent within 21 days, post realization of the annual fees

Reward rate

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

Reward exclusions

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

Reward caps

Birthday spends: Reward Points capped at 2,000 per calendar year.

What one reward unit is worth

4 Reward Points = Re. 1 when reward points are used to pay the outstanding card bill.

Statement-credit redemption

Reward points can be used to pay the outstanding card bill (4 Reward Points = Re. 1)

Fuel surcharge waiver

Enjoy a 1% fuel surcharge waiver on every transaction between ₹500 and ₹4,000 at all petrol pumps across India.

Add-on card eligibility

Empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18.

Forex markup

3.5% on foreign currency transactions.

Cash advance fee

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

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 the overlimit amount that exceeds the credit limit or ₹600, whichever is higher; levied only once per billing cycle; 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)

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs

Reward redemption fee

₹99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM. No redemption fee will be charged to the card account if, the card account status is found voluntarily closed on the fee posting date

Wallet load charge

With effect from 1st Nov 2025, a fee of 1% of the transaction amount on every wallet load transaction exceeding ₹1000 using your SBI Credit Card

Rent transaction fee

₹199 processing fee on all rent payment transactions; Processing Fee will not be reversed in case of transaction reversal / cancellation / refund.

Utility transaction fee

W.e.f. 1st Dec 2024, 1% of total amount of Utility Payments, if the total amount exceeds ₹50,000 in a billing cycle

GST note

All taxes would be charged as applicable on all the above Fees, Interest & Charges

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 or ₹200 (whichever if greater). Any unpaid MAD of the previous statements, if any, shall also be included in the Minimum Amount Due

Age the primary cardholder must be

21 to 60 years

Eligibility

Salaried or Self-Employed with stable income.

Minimum age

Minimum 21 years