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Central Bank of IndiaCentral Bank of India

Central Bank Of India SBI Card Prime

TravelLifestyleFuel
Welcome offere-vouchers of Rs.3,000 from Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, or Yatra
Annual fee
₹ 2,999
Reward rate
20 reward points for every Rs. 100 spent on any standing instructions of utility bills
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

Central Bank Of India SBI Card Prime
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

20 reward points for every Rs. 100 spent on any standing instructions of utility bills

Earn bonus reward points every time they use the credit card. Rewards redemption fee Rs.99 (only on cash redemption, gifts, and specific vouchers).

Reward currency
Reward Points
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • Earn 20 reward points for every Rs. 100 spent on any standing instructions of utility bills

  • Waiver of 1% on fuel surcharge

  • Pizza Hut e-voucher of Rs.1,000 when you spend Rs.50,000 in one calendar quarter

  • Benefits at 900 luxury hotels across the world

  • 15% off on luxury Airport Transfer Service

  • 2 free International Priority Pass Lounges visits per quarter

Our verdict

Pros & cons

An honest read on where this card earns its keep — and where it doesn't.

What we like

  • Travel discounts

  • Bonus reward points on utility bills

  • Fuel surcharge waiver

What to watch out for

  • Annual fee of Rs.2,999

  • Late payment fees up to Rs.1,300

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹2,999Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
Not verified from configured sources
Foreign currency markup
3.50% (except for SBI Elite and SBI Aurum credit cards) 1.99% (SBI Elite and Aurum credit cards)
Late payment
Rs.0 to Rs.500: NIL, Rs.500 to Rs.1,000: Rs.400, Rs.1,000 to Rs.10,000: Rs.750, Rs.10,000 to Rs.25,000: Rs.950, Rs.25,000 to Rs.50,000: Rs.1,100, Rs.50,000 and above: Rs.1,300
Returned payment
2% of the amount (minimum of Rs.500)

Interest rates

Charged on any balance you carry forward

Purchases
Up to 3.75% per month (45% per annum)
Balance transfer
Not verified from configured sources
Cash advance
Not verified from configured sources

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with Central Bank of India before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Not verified from configured sources credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of Central Bank of India are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about Central Bank Of India SBI Card Prime

Everything you need to know about Central Bank Of India SBI Card Prime fees, reward conversion, lounge access, and application eligibility.

The joining fee for Central Bank Of India SBI Card Prime is nominal, and the annual renewal fee is ₹2999 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for Central Bank Of India SBI Card Prime from Central Bank of India, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

Central Bank Of India SBI Card Prime is designed to reward everyday spends. It currently features: "e-vouchers of Rs.3,000 from Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, or Yatra". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via Central Bank of India's rewards portal.

Yes, Central Bank Of India SBI Card Prime offers airport lounge privileges. Complimentary access is available at partner domestic and/or international airport lounges across India. Please verify quarterly spend requirements to unlock lounge vouchers.

You can apply for Central Bank Of India SBI Card Prime directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.