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Features of SBI Card PRIME and Co-branded Variants

  • Reward Points Program: Accelerated Reward Points: The SBI Card PRIME provides an attractive reward points structure with 10 reward points for every ₹100 spent on dining, groceries, movies, and departmental stores (2.5% reward rate). For other retail spends, it offers 2 reward points per ₹100 (0.5% rate). Birthday spends earn 20 points per ₹100 (capped at 2,000 points annually).
    IRCTC SBI Card Premier: Offers 10% value back as reward points on AC1, AC2, AC3, Executive Chair Car, and AC Chair Car bookings through IRCTC (1 RP = ₹1). Earns 3 reward points per ₹125 on dining and utility bills (2.4% return) and 1 point per ₹125 on other retail spends (0.8% return).
  • Co-branded Cards:
    Reliance SBI Card PRIME: Provides lucrative cashback on Reliance Retail stores (7.5%) and additional discounts on select purchases.
    Titan SBI Card: Offers 7.5% cashback at Titan stores (watches, Taneira) and 5% at partner stores like Mia and Caratlane.
    Club Vistara SBI Card: Earns 9 Vistara Points per ₹100 spent on Vistara flights, with complimentary Economy ticket vouchers on milestone spends.
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    • Milestone Benefits and Welcome Offers: SBI Card PRIME: The SBI Card PRIME encourages high spending with milestone-based rewards. Cardholders receive a ₹3,000 e-gift voucher from brands like Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, or Yatra as a welcome benefit. Spending ₹50,000 in a calendar quarter earns a ₹1,000 Pizza Hut e-voucher, and achieving ₹5 lakh annual spends unlocks a ₹7,000 e-gift voucher from Yatra or Pantaloons. Additionally, the renewal fee of ₹2,999 is waived on annual spends of ₹3 lakh, making it cost-effective for frequent users.
      IRCTC SBI Card Premier: The IRCTC SBI Card Premier offers 1,500 reward points (worth ₹1,500) as a welcome gift, offsetting the ₹1,499 joining fee. Cardholders can earn 7,500 reward points (worth ₹7,500) by spending ₹1 lakh annually, providing a 7.5% return on travel spends. The card also compensates for its ₹1,499 annual fee with milestone rewards, making it appealing for frequent train travelers.
      Reliance SBI Card PRIME: The Reliance SBI Card PRIME provides a ₹3,000 Reliance Retail voucher as a welcome benefit, while the Titan SBI Card promises annual benefits exceeding ₹2 lakh through cashbacks and gift vouchers. These milestone rewards enhance the cards’ value for users who frequently shop at partnered brands.
    • Travel and Lounge Access:
      SBI Card PRIME: 4 free international Priority Pass visits and 8 domestic lounge visits annually (2/quarter each). Discontinued Club Vistara Silver membership.
      IRCTC SBI Card Premier: 8 complimentary railway lounge visits/year (2/quarter) at major stations.
    • Additional Financial Benefits: 1% fuel surcharge waiver on ₹500-₹4,000 transactions (max ₹250/cycle). Flexipay converts ₹2,500+ purchases into EMIs. Balance Transfer facility from other cards at lower rates.
    • Insurance and Security: IRCTC SBI Card Premier includes ₹10L rail accident cover and ₹1L fraud liability cover. SBI Card PRIME features zero liability protection and chip-and-pin technology.
    • Convenience Features: Accepted at 24M+ outlets globally. Easy Bill Pay automates utility payments. Free add-on cards for family members (18+).
    • Worldwide Acceptance: The SBI Card PRIME (available in MasterCard, VISA, and American Express variants) and IRCTC SBI Card Premier are accepted at over 24 million outlets globally, including 3,25,000 outlets in India, ensuring seamless transactions. The contactless payment feature on these cards allows quick and secure payments for small-ticket purchases.
    • Utility Bill Payments: Both cards offer the Easy Bill Pay facility, enabling automatic payments for electricity, telephone, mobile, and other utility bills, ensuring timely payments and convenience. The SBI Card PRIME also supports Auto Pay and Fast Pay options for streamlined bill management.
    • Add-on Cards: Cardholders can issue add-on cards for family members (parents, spouse, children, or siblings above 18) with the same benefits as the primary card. The IRCTC SBI Card Premier offers add-on cards at no additional cost, enhancing its family-friendly appeal.
    • Annual Fee Waivers: SBI Card PRIME: ₹2,999 fee waived on ₹3L annual spends. IRCTC SBI Card Premier: ₹1,499 fee waived on ₹2L spends.
    • Limitations to Consider: Limitations to Consider While the SBI Card PRIME and its co-branded variants offer robust features, they have some limitations. The SBI Card PRIME’s 0.5% base reward rate is relatively low compared to competitors like HDFC Regalia Gold. The IRCTC SBI Card Premier’s rewards are heavily skewed toward train travel, offering limited value for non-IRCTC spends. Additionally, the ₹2,999 annual fee for SBI Card PRIME and ₹1,499 for IRCTC SBI Card Premier may feel high for users who don’t maximize milestone benefits or lounge access.
    • Co-branded Redemption Options: The Reliance SBI Card PRIME and Titan SBI Card allow redemption of cashback and reward points for vouchers or discounts at partnered stores, offering flexibility for shoppers. For example, Titan SBI Card’s cashback can be used for premium accessories, enhancing its lifestyle appeal.
    • Reward Points Redemptio: SBI Card PRIME reward points can be redeemed for gift vouchers, settling outstanding card balances, or purchasing products like electronics, homeware, and travel packages via the SBI Card rewards portal. The IRCTC SBI Card Premier’s reward points are credited to the cardholder’s IRCTC loyalty account, redeemable at a 1:1 ratio (1 RP = ₹1) for IRCTC ticket purchases, ensuring high redemption value for train travelers. Reward points for both cards are valid for 2 years from accrual.
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Benefits of SBI Card PRIME and Co-branded Variants

  • SBI Card PRIME Benefits: Premium lifestyle card with ₹3K welcome voucher, 2.5% rewards on dining/groceries, 4 international + 8 domestic lounge visits, and Club Vistara/Trident memberships.
  • IRCTC SBI Card Premier Benefits: 10% value back on IRCTC AC bookings, 8 railway lounge visits, ₹10L rail accident cover, and ₹1.8% transaction fee waiver.
  • Co-branded Cards Benefits: Reliance (7.5% cashback), Titan (7.5% at Titan stores), and Club Vistara (9 points/₹100 on flights) cater to specific spending patterns.
  • Reward Points Program: SBI Card PRIME: Earn 10 points/₹100 on dining/groceries (2.5% rate), 2 points/₹100 on retail (0.5%). Birthday bonus: 20 points/₹100 (capped at 2K points).
  • IRCTC SBI Card Premier: 10% back on IRCTC AC bookings (1 RP = ₹1), 3 points/₹125 on dining (2.4%), 1 point/₹125 on other spends (0.8%).
  • Travel & Lifestyle:
  • Lounge Access: SBI Card PRIME: 4 intl + 8 domestic visits. IRCTC: 8 railway lounge visits. Club Vistara: Priority check-in + baggage allowance.
  • Milestone Rewards: SBI Card PRIME: ₹1K Pizza Hut voucher on ₹50K quarterly spends, ₹7K voucher on ₹5L annual spends. IRCTC: ₹7.5K rewards on ₹1L spends.
  • Fuel Surcharge Waiver: 1% waiver on ₹500-₹4,000 transactions (max ₹250/month for SBI Card PRIME, ₹100 for IRCTC).
  • Insurance & Security: IRCTC: ₹10L rail accident cover. SBI Card PRIME: ₹50L air accident cover + ₹1L fraud protection.
  • Fees & Waivers: SBI Card PRIME: ₹2,999 annual fee (waived on ₹3L spends). IRCTC: ₹1,499 (waived on ₹2L). Reliance/Titan: ₹2,999.
  • Global Acceptance: Accepted at 24M+ outlets worldwide. Contactless payments up to ₹5,000 at NFC terminals.
  • Add-On Cards: Free for family members (18+), sharing credit limit but excluding lounge access for add-ons.
  • Balance Transfer: Transfer balances from other cards at lower interest rates, repayable in flexible EMIs (3-24 months).
  • Redemption Options: SBI Card PRIME: Gift vouchers, statement credits (₹99 fee). IRCTC: Redeem points 1:1 for IRCTC tickets.
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How to Apply for SBI Card PRIME (Co-branded with IRCTC & Others)

  • Step 1: Check Eligibility
    Age: 18–70 years (salaried), 21–70 years (self-employed/pensioners).
    Income: ₹75,000/month (salaried), ₹9L/year (self-employed), or equivalent pension.
    Credit Score: Preferably 750+.
    Nationality: Resident Indian or NRI with Indian address.
  • Step 2: Gather Documents
    Identity: PAN (mandatory), Aadhaar, Passport.
    Address: Utility bill, Aadhaar, Passport.
    Income: Salary slips, ITR, pension order.
    Photograph: Recent passport-sized photo.
  • Step 3: Choose Application Mode
    Online: Visit www.sbicard.com, fill form, upload documents.
    Offline: Visit SBI branch, submit form/documents.
    Partners: Apply via BankBazaar, Paisabazaar.
  • Step 4: Submit Application
    Submit form/documents, receive reference number for tracking.
  • Step 5: Verification
    Telephonic/field verification for documents, address, income.
  • Step 6: Approval
    Approval within 7–14 days, review terms (credit limit, fees).
  • Step 7: Card Delivery
    Card delivered to registered address, activate via SBI Card app/website.

Eligibility Criteria for SBI Card PRIME and Co-branded Cards

  • Age:
    • Salaried: 18–70 years.
    • Self-Employed/Pensioners: 21–70 years.
  • Income:
    • Salaried: ₹75,000/month (PRIME), ₹25,000/month (IRCTC).
    • Self-Employed: ₹9L/year (PRIME), ₹3L/year (IRCTC).
  • Nationality: Resident Indian or NRI with Indian address.
  • Credit Score: Preferably 750+, no recent defaults.
  • Employment:
    • Salaried: Stable job with reputed firm.
    • Self-Employed: 1–2 years business continuity.
  • Documentation: Valid ID proof, address proof, income proof, and recent passport-size photograph.
  • Existing Credit Cards: No major defaults on existing cards and no overdue payments.
  • Minimum Tenure: Salaried individuals must have a minimum of 6 months with current employer.
  • Other Requirements: Should not have any legal proceedings against them or negative credit history.
  • Additional Offers: Some co-branded cards may require additional criteria based on partnerships (e.g., airlines or retail chains).
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Documents Required for SBI Card PRIME (Co-branded with IRCTC & Others)

  • Identity Proof (Any one):
    • PAN Card (mandatory)
    • Aadhaar Card
    • Passport
    • Voter's ID
    • Driving License
  • Address Proof (Any one):
    • Aadhaar Card
    • Utility Bill (not older than 3 months)
    • Passport
    • Driving License
    • Ration Card
  • Income Proof:
    • Salaried: 1–3 months' salary slips, Form 16, 3 months' bank statement.
    • Self-employed: 1–2 years' ITR, 3–6 months' bank statement.
    • Pensioners: Pension payment order, 3–6 months' bank statement.
  • Photograph: Recent passport-sized color photograph (offline applications).
  • NRIs: Passport, visa, overseas address proof, Indian address proof.

Factors Affecting SBI Card PRIME and Co-branded Variants

  • Credit Score: Preferably 750+; lower scores (700–750) considered with high income.
  • Income Level: ₹75K/month (salaried), ₹9L/year (self-employed) for PRIME; lower for IRCTC variant.
  • Employment Status: Stable job or 1–2 years business continuity.
  • Debt-to-Income Ratio: Below 40% preferred; high DTI risks rejection.
  • Credit History: 1–2 years clean history, no defaults or late payments.
  • Documentation: Complete, accurate documents for faster processing.
  • Existing SBI Relationship: May improve approval odds.
  • Verification: Prompt response to telephonic/field verification.
  • Recent Inquiries: Avoid multiple applications within 3–6 months.
  • Bank Statements: Recent statements showing regular income and financial stability.
  • Existing Credit Cards: Limited number of active credit cards may improve approval chances.
  • Residence Stability: Staying at the same address for 1+ year can support credibility during address verification.
  • Age: Applicants aged 23–60 are preferred for better financial maturity and repayment capacity.
  • Employment Type: Full-time employees or established business owners tend to have better approval chances.

Frequently Asked Questions (FAQs)

What is the SBI Card PRIME?
The SBI Card PRIME is a premium lifestyle credit card offering 10 reward points/₹100 on dining/groceries (2.5% return), 4 international + 8 domestic lounge visits, and milestone rewards worth up to ₹11,000 annually, with a ₹2,999 annual fee.
What are the key differences between SBI Card PRIME and IRCTC SBI Card Premier?
SBI Card PRIME: General lifestyle card with 2.5% rewards on dining/groceries, lounge access, and Club Vistara membership.
IRCTC SBI Card Premier: Travel-focused with 10% back on IRCTC AC bookings, railway lounge access, and ₹10L rail accident cover. Lower annual fee (₹1,499).
How can I maximize rewards with SBI Card PRIME?
Focus spending on bonus categories (dining, groceries, movies). Achieve ₹50K quarterly spends for Pizza Hut voucher and ₹5L annually for ₹7K voucher. Use lounge access and link to Club Vistara/Trident for travel perks.
What documents are required to apply?
Identity: PAN (mandatory), Aadhaar, Passport, Voter ID, Driving License.
Address: Aadhaar, utility bill (≤3 months), Passport, Driving License.
Income: Salary slips/Form 16 (salaried), ITR (self-employed), pension order (pensioners).
Photograph: Recent passport-sized (offline).
NRIs: Passport, visa, overseas/Indian address proof.
How can I apply for the SBI Card PRIME?
Online: Via www.sbicard.com or partners (BankBazaar, Paisabazaar), fill form, upload documents.
Offline: Visit SBI branch, submit form/documents.
Track status via reference number on www.sbicard.com or helpline (1860 180 1290).
What is the joining and annual fee?
SBI Card PRIME: ₹2,999 + GST (waived on ₹3L annual spends).
IRCTC SBI Card Premier: ₹1,499 + GST (waived on ₹2L spends).
Reliance/Titan: ₹2,999 + GST.
What is the welcome benefit?
SBI Card PRIME: ₹3,000 e-gift voucher (Pantaloons, Shoppers Stop, etc.).
IRCTC: 1,500 reward points (₹1,500).
Reliance: ₹3,000 Reliance Retail voucher.
How does the reward points system work?
SBI Card PRIME: 10 points/₹100 on dining/groceries (2.5%), 2 points/₹100 on retail (0.5%).
IRCTC: 10% back on AC bookings (1 RP = ₹1), 3 points/₹125 on dining (2.4%).
Points expire after 24 months.
What are the lounge access benefits?
SBI Card PRIME: 4 intl + 8 domestic visits/year (2/quarter each).
IRCTC: 8 railway lounge visits/year (2/quarter).
Primary cardholder only; add-ons excluded.
Does the card offer a fuel surcharge waiver?
Yes, 1% waiver on fuel transactions (₹500–₹4,000), up to ₹250/statement cycle for SBI Card PRIME (₹100 for IRCTC), at any Indian petrol pump.

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