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Image  Features of SBHNI-Prime:


Accounts can be opened by all those who are eligible to open savings bank accounts.

Quarterly Average Balance (QAB)

Min. Rs. 10,00,000/-


Type of Debit card

Rupay Select/Visa Signature

Debit Card charge

Issue charge – FREE

Annual Maintenance charge - FREE

ATM Access at own ATM

Unlimited FREE

ATM Access at another Bank ATM

Unlimited FREE

ATM Cash Withdrawal Limit

Rs. 100000/- Per day


Rs. 300000/- Per day

Free Personal Accident cover with Account


Rs. 50 Lakhs


Upto Rs. 50 Lakhs

Free Personal Accident Insurance with debit card

Rs 2 Lakhs (by Bank) + Rs 10 Lakhs (additional by NPCI with RuPay Select Card).

Free Air Accident Insurance with debit card

Rs 100 Lakhs

Free Hospital Cash (Mediclaim for IPD)

Up to Rs 15000 per annum.

Availability of Comprehensive Insurance Package

UNICARE Policy- 5 different coverages to choose to choose the combination as per needs.

  • Global Health: Basic health cover, both India & Abroad.
  • Global personal Guard Protection: Personal Accident Insurance.
  • My Home Insurance: Property Insurance, both building & contents.
  • Cyber Safe: Cyber insurance for financial loss.
  • Travel Ace: Travel Insurance

Charge to be borne by customer.

SMS Charges


Personalized Cheque Leaves

FREE up to 100 leaves a year.

NEFT/ RTGS/ IMPS/ Demand Draft


Add on Debit card to Spouse (If joint account with spouse)

Available (Rupay Select/Visa Signature)

Add on Debit Card charge

Issue charge – FREE

Annual Maintenance charge – FREE

Free Doorstep banking

Once in a month

Locker Rent

75% concession on 1st year Locker rent.

Concession in interest rate on retail loans

Up to 10 basis points concession.

Concession in Processing charges on retail loans

Up to 100% concession

Cash Handling Charges


DEMAT Account Charges

Nil opening charges

Nil first year AMC

Forex Transaction rates

Availability of Superfine rates: up to 5 paisa better rate on card rate for forex transactions.

Relationship Manager


Type of Credit Card

Rupay Select/Visa Signature (subject to eligibility)

Credit Card Charges

Joining fees/1st year AMC free of cost on Rupay Select Card

Joint Account facility


Penalty on Non-Maintenance of QAB

Rs. 2000 + GST (per quarter), If QAB is below 10.00 Lac.

Account Closure Charges


Benefits with Rupay Select Debit Card

Rupay Lounge Programme

FREE access to card holder 2 times per calendar quarter, at any of the 20+ participating Domestic Airport lounges.

FREE access to card holder 2 times per calendar year, at any of the 500+ participating International Airport lounges.


15 days/1month free gym membership. 40-50% discounted price on extension of membership.


1 Complimentary Golf Lesson / round in a year. Discounted access from 2nd visit onwards.

SPA services

1 Complimentary SPA session in a year. 40-50% discount on additional sessions throughout the year.

Health Check Up

1 Complimentary premium health check-up package in a year. Discounted Health Check-up facility post utilization of complimentary offer.

Concierge Services

Personal assistance anytime anywhere 24x7 is available in Hindi and English languages.

Reward points /Cash

One point for every Rs.100/- POS/E-com transaction. Value of each point is Rs.0.25/-.

Exclusive merchant offers

Exclusive offers from selected partner merchants.

Benefits with Visa Signature Debit Card:


Globally accepted Visa Signature card

Domestic Airport Lounge Program

FREE access to card holder 2 times per calendar quarter, at any of the 20+ participating Domestic Airport lounges.

Reward points /Cash

4 Reward Points for every Spend of Rs 100

Merchant offers

Exclusive offers from selected Partner Merchants from time to time

Additional Covers/Add-on covers with all cards: -

Children Education

Children Education bonus is paid subject to 5% of the sum insured or an actual expense subject to a maximum of Rs. 15,000/-

Ambulance charges

Up to Rs 1000/-

Transportation of mortal remains

Transportation of insured person’s dead body to the place of residence are paid as per actual expenses subject to maximum of Rs. 2,500/-

*Terms & Conditions applied. Features offered by Rupay Select and Visa Signature Debit card are subject to change.