Reliance SBI Card PRIME
The Reliance SBI Card PRIME is a premium co-branded credit card from SBI Card and Reliance Retail, with a joining fee of ₹2,999 + GST.
It earns up to 20 pts per ₹100 (≈4.4% value) on Reliance Retail spends in the form of reward points (points).
Cardholders get 8 annual domestic + 4 annual international airport lounge access, plus reliance retail e-voucher worth ₹3,000 as a welcome benefit.
- Joining Fee₹2,999
- Annual Fee₹2,999
- Best Suited ForOnline shopping
- Reward TypeReward Points (points)
- 20 pts per ₹100 on ajio jiomart online
- 10 pts per ₹100 on reliance retail
- Base 0.88% on other spends
- Reliance Retail e-voucher worth ₹3,000
- Additional discount vouchers worth ₹11,999 across participating Reliance Retail stores
Rewards and Benefits
- ₹75,000 / annual: Reliance Retail voucher worth ₹1,500
- ₹1,50,000 / annual: Reliance Retail voucher worth ₹2,250
- ₹3,00,000 / annual: Reliance Retail voucher worth ₹5,000
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.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.9% = ₹132/mo
Online shopping — earns base; accelerated rate needs booking via ajio, jiomart
- Groceries₹8,000 · 0.9% = ₹70/mo
- Dining & food delivery₹8,000 · 0.9% = ₹70/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.9% = ₹88/mo
- Utilities & bills₹5,000 · 0.9% = ₹44/mo
₹4,858 rewards − ₹0 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- Co-branded premium card by SBI Card and Reliance Retail.
- Joining / annual fee of ₹2,999 + GST, waived on annual spends of ₹3,00,000.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (8/annual) + international (4/annual).
Pros & Cons
- Annual fee waivable on ₹3,00,000 spend.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn worth ≈4.4% on ajio jiomart online.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
₹3,000 welcome benefit
- Reliance Retail e-voucher worth ₹3,000Joining fee paidWindow: 90 days from issuance.
- Additional discount vouchers worth ₹11,999 across participating Reliance Retail storesJoining fee paid
Accelerated rewards
- 20 pts per ₹100 on ajio jiomart onlineMerchants: ajio, jiomart20 Reward Points per ₹100 on AJIO & JioMart online stores (except UPI payments).
- 10 pts per ₹100 on reliance retailMerchants: reliance-digital, reliance-smart, trends, netmeds10 Reward Points per ₹100 at other participating Reliance Retail stores (except UPI payments).
- No per-cycle cap on the 20 RP/₹100 AJIO & JioMart accelerated points per the Reliance SBI Card PRIME product page (retrieved 2026-07-05); the ₹1000/month AJIO 5% / JioMart 5% caps in the offers PDF are on separate instant-discount/cashback benefits, not the reward points. Confidence medium.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹75,000 / annual: Reliance Retail voucher worth ₹1,500 (≈ ₹1,500 value)
- ₹1,50,000 / annual: Reliance Retail voucher worth ₹2,250 (≈ ₹2,250 value)
- ₹3,00,000 / annual: Reliance Retail voucher worth ₹5,000 (≈ ₹5,000 value)
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹100 per monthly.
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- ₹6,00,000 p.a.
- Income (self-employed)
- ₹6,00,000 p.a.