Sbi Hc Prime
SBI Card
Sbi Hc Prime
SBI Card
Annual Fee
₹2,999
Effective Rate
0.25%
Network
MASTERCARD
Point Value
₹0.25/pt
About Sbi Hc Prime
20 RP/₹100 at Heritage Care stores; 10 RP on lifestyle/grocery; 1 RP other. Annual fee reversal at ₹40K.
Best For
Pros & Cons
thumb_upPros
- check_circleDomestic Airport Lounge
- check_circleZero forex markup on international transactions
- check_circleHome Centre Rewards
- check_circleSpending milestone bonuses for high spenders
thumb_downCons
- cancelAnnual fee of ₹2,999 with no waiver option
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 20% | 2000 pts≈ ₹500 |
| All other spends | 5% | 500 pts≈ ₹125 |
| All other spends | 2% | 200 pts≈ ₹50 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the SBI Card rewards portal. Redemption value may vary by option.
Card Benefits
Domestic Airport Lounge
2 complimentary domestic lounge visits per quarter
~₹4,000/yr value
Home Centre Rewards
Enhanced reward points on Home Centre and Lifestyle purchases
~₹4,000/yr value
Travel Insurance
Overseas travel insurance up to ₹25 lakh
~₹3,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver
~₹3,000/yr value
Spending Milestones
Unlock bonus rewards when your annual spend crosses these thresholds.
Spend ₹2,00,000 (ANNUAL)
Annual Fee Waiver – ₹2L Spend: Annual fee of ₹999 waived on achieving annual net spends of ₹2,00,000 in the preceding card anniversary year.
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the SBI Card website.
| Annual Fee | ₹2,999 |
| Forex Markup | 0% (Zero Markup) |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Sbi Hc Prime.
Ready to apply for Sbi Hc Prime?
Apply directly on the SBI Card website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.