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SBI Card

HC SBI Card Prime

Source-traced to issuer Verified 2026-08-18
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Overview

HC SBI Card Prime by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

Confirm on the official page

Annual / renewal fee

₹2,999.

Verified · lounge_travel · 2026-08-18 · source

Fee waiver

Annual fee of ₹2,999 waived off on annual spends of ₹3 Lakh or more in the preceding year.

Verified · lounge_travel · 2026-08-18 · source

Renewal fee

₹2,999 (Waived off on annual spends of ₹3 Lakh or more in the preceding year).

Verified · kfs · 2026-08-18 · source

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.

Verified · mitc · 2026-08-18 · source

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.

Verified · mitc · 2026-08-18 · source

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

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).

Verified · lounge_travel · 2026-08-18 · source

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.

Verified · lounge_travel · 2026-08-18 · source

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).

Verified · lounge_travel · 2026-08-18 · source

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the HC SBI Card Prime?

Officially traced: Rs.2,999.

lounge_travel

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_travel

What 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.

mitc

What 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 issuer pagelounge_travelmitckfs

Official terms

https://www.sbicard.com/en/personal/credit-cards/sbi-card-prime.html.

Verified · lounge_travel · 2026-08-18 · source

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.

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