Reliance SBI Card
Updated 3 Jul 2026Source-linked
The Reliance SBI Card is a entry co-branded credit card from SBI Card and Reliance, with a joining fee of ₹499 + GST.
It earns up to 10 pts per ₹100 (≈2.2% value) on Reliance spends in the form of reward points (points).
Welcome benefit: Reliance Retail e-voucher worth ₹500 (delivered within 30 days of joining fee realisation).
Reliance SBI Card
- Joining Fee₹499
- Annual Fee₹499
- Best Suited ForOnline shopping
- Reward TypeReward Points (points)
Rewards Rate
- 10 pts per ₹100 on ajio jiomart online
- 5 pts per ₹100 on reliance retail
- 5 pts per ₹100 on dining movies
- Base 0.22% on other spends
Welcome Benefits
- Reliance Retail e-voucher worth ₹500 (delivered within 30 days of joining fee realisation)
- Additional discount vouchers worth ₹3,200 across participating Reliance Retail stores
Data verified 3 Jul 2026 — see our methodology
Rewards and Benefits
Rewards Rate
10 pts per ₹100 on ajio jiomart online
5 pts per ₹100 on reliance retail
5 pts per ₹100 on dining movies
Base 0.22% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
Reliance Retail e-voucher worth ₹500 (delivered within 30 days of joining fee realisation)
Milestone Rewards
- ₹25,000 / annual: Reliance Retail voucher worth ₹500
- ₹50,000 / annual: Reliance Retail voucher worth ₹750
- ₹80,000 / annual: Reliance Retail voucher worth ₹1,000
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- MakeMyTrip (Mastercard) — Up to 15% cashback on hotels and flight bookings at MakeMyTrip.
- ZoomCar (Mastercard) — Up to 20% off on ZoomCar.
- Lifestyle Stores (Mastercard) — Up to 15% off on shopping at Lifestyle Stores.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Dining & food delivery₹88/mo
You spend ₹8,000 · earns 1.1% = ₹88 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.2% = ₹33/mo
Online shopping — earns base; accelerated rate needs booking via ajio, jiomart
- Groceries₹8,000 · 0.2% = ₹18/mo
- Fuel₹4,000 · 0.2% = ₹9/mo
- Travel & hotels₹10,000 · 0.2% = ₹22/mo
- Utilities & bills₹5,000 · 0.2% = ₹11/mo
Est.net rewards for this spend, realistic
₹2,165/yr₹2,165 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
₹1,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement.
Cash Advance Charges
N/A
Product Details
- Co-branded entry card by SBI Card and Reliance.
- Joining / annual fee of ₹499 + GST, waived on annual spends of ₹1,00,000.
- Available on the RuPay network.
Pros & Cons
Pros
- Annual fee waivable on ₹1,00,000 spend.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- Standard forex markup of 3.50% — suboptimal for international spend.
- No complimentary airport lounge access.
₹500 welcome benefit
- Reliance Retail e-voucher worth ₹500 (delivered within 30 days of joining fee realisation)Payment of Joining FeeWindow: 30 days from issuance.
- Additional discount vouchers worth ₹3,200 across participating Reliance Retail storesPayment of Joining Fee
Accelerated rewards
- 10 pts per ₹100 on ajio jiomart onlineMerchants: ajio, jiomart10 Reward Points per ₹100 on AJIO & JioMart online stores (except UPI payments).
- 5 pts per ₹100 on reliance retailMerchants: reliance-digital, reliance-smart, trends, netmeds5 Reward Points per ₹100 at other participating Reliance Retail stores (except UPI payments).
- 5 pts per ₹100 on dining movies5 Reward Points per ₹100 on dining & movies.
Milestone benefits
- ₹25,000 / annual: Reliance Retail voucher worth ₹500 (≈ ₹500 value)
- ₹50,000 / annual: Reliance Retail voucher worth ₹750 (≈ ₹750 value)
- ₹80,000 / annual: Reliance Retail voucher worth ₹1,000 (≈ ₹1,000 value)
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per statement.
Other benefits
- MakeMyTrip (Mastercard). Up to 15% cashback on hotels and flight bookings at MakeMyTrip.
- ZoomCar (Mastercard). Up to 20% off on ZoomCar.
- Lifestyle Stores (Mastercard). Up to 15% off on shopping at Lifestyle Stores.
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- —
- Income (salaried)
- —
- Income (self-employed)
- —