SBI Card Prime vs SBI Miles Credit Card

• Get 10 Reward Points per Rs. 100 spent on Dining, Groceries, Departmental stores and Movies
• Earn 2 Reward Points per Rs. 100 on all other retail spends
• 1% Fuel Surcharge Waiver on transaction amount ranging from Rs. 500 - Rs. 4000 across all petrol pumps
• Get Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter
• Waiver of Renewal Fee on annual spends of Rs. 3 Lakhs
• Avail E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs
• Get complimentary Trident Privilege Red Tier Membership- Please note that Trident Red Tier Membership benefit will not be available on SBI Card PRIME w.e.f 30 June 2024  
    
• Get exclusive 1,000 Welcome Points on registration
• Get 1,500 Bonus Points on your first stay and additional Rs. 1,000 hotel credit on extended night stay
• Avail 10% instant saving on bookings through hotel website
• Avail 10 points for every Rs.100 spent during the stay at participating hotels
• Complimentary Club Vistara Silver membership - Please note that Club Vistara Silver Membership will not be available on SBI Card PRIME w.e.f 17 October 2024
• Get 1 Upgrade Voucher
• Avail 9 Club Vistara Points for every Rs. 100 spent on Vistara flights
• 4 complimentary visits per calendar year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)
• 8 complimentary visits per calendar year to Domestic Lounges in India (max. 2 visits per quarter)
• Get 20 Reward Points per Rs. 100  spent on your birthday

Mastercard/Visa/American Express Privileges

• Mastercard

a. Avail 4 rounds of complimentary green fees access and up to 50% off on golf games along with 1 complimentary lesson per month at selected golf courses in India

b. Get up to 15% discount on best available room rates and up to 15% discount on F&B at Lalit Hotels

• Visa

a. Savings of up to 10% on Hertz car rental and up to 35% on Avis Car Rentals

b. Exclusive benefits across 900 luxury hotels worldwide

• American Express

a. American Express Dining Platform - Discover delectable dining offers and up to 25% discount in your city

b. Complimentary Tablet plus membership - access to VIP upgrades and privileges at hotels in India and around the world

• Get complimentary Air Accident Liability Cover of Rs. 50 lakhs
• Get complimentary credit card Fraud Liability Cover of Rs. 1 lakh
• With Flexipay, convert your transactions in easy monthly installments. Simply transact for Rs. 2,500 or more using your SBI Card PRIME, and log onto sbicard.com within 30 days of purchase to convert it into Flexipay
• Transfer the outstanding balance of other banks’ credit cards to SBI Card PRIME, to avail a lower rate of interest and pay back in EMIs

• As a Welcome Benefit, get 1,500 Travel Credits. The 1,500 Travel Credits will get credited on spends of Rs. 30,000 within 60 days of card issuance. Travel Credits will be credited on payment of joining fee
• Annual Fee waived off on annual spends of Rs. 6 Lakh or more in the preceding year
• Get 2 Travel Credits for every Rs. 200 spent on travel
• Get 1 Travel Credits for every Rs. 200 on all other spends
• You can convert the Travel Credits into Air Miles / Hotel Points, Travel Bookings or choose from a wide array of Catalogue Products
• Get 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
• Get additional Domestic Lounge visit with every spend of Rs. 1 Lakh. Additional lounge visits, based on spend milestones, are capped at 8 visits in a membership year
• Avail a complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide. Priority Pass Program is complimentary for the first 2 years
•  4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)
• Low Foreign Currency Mark-up Charge of 3.00% on International usage
• 1% Fuel Surcharge Waiver across all petrol pumps. (GST extra as applicable)
• SBI Card MILES in over 24 million outlets across the globe, including 3,25,000 outlets in India
• With Flexipay, convert transactions in easy monthly installments. Just transact for Rs. 2,500 or more and contact the bank within 30 days of purchase to convert it into Flexipay
• Pay  electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
• Get enhanced security against counterfeiting and skimming with the chip and pin enabled on the credit card
• Transfer the outstanding balance of other banks’ credit cards to SBI Miles Card, to avail a lower rate of interest and pay back in EMI

Pros

• 1% Fuel Surcharge Waiver on transaction amount ranging from Rs.500-Rs.4000 across all petrol pumps
• Waiver of Renewal Fee on annual spends of Rs. 3 Lakhs
• 4 complimentary International Airport Lounge visits, 8 complimentary Domestic VISA/Mastercard Lounges (max. 2 visits per quarter)

Cons

• General spending rewards rate: 0.50%
• Joining Fee bit high

Pros

• Availing 5,000 Bonus Travel Credits on reaching annual spends of Rs. 5 Lakh
• Complimentary Priority Pass Membership worth $99 and get to access to 1000+ International Airport Lounges worldwide
•  4 complimentary Domestic Airport Lounge visits every year (max. 2 visits per quarter)

Cons

• No golf benefits
• No cashback benefits
• No movie or dining benefits