Reliance SBI Card PRIME
Updated 15 Apr 2026Source-linked
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 10% back 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.
Reliance SBI Card PRIME
- Joining Fee₹2,999
- Annual Fee₹2,999
- Best Suited ForOnline shopping
- Reward TypeReward Points (points)
Rewards Rate
- 10% on reliance retail
- Base 1.00% on other spends
Welcome Benefits
- Reliance Retail e-voucher worth ₹3,000
Rewards and Benefits
Rewards Rate
10% on reliance retail
Base 1.00% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
Reliance Retail e-voucher worth ₹3,000
Milestone Rewards
- ₹5,00,000 / annual: Reliance Retail vouchers worth ₹7,000
Domestic Lounge Access
8 visits each annual.
International Lounge Access
4 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹3,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
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
Pros
- Annual fee waivable on ₹3,00,000 spend.
- Complimentary international airport lounge access.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- Accelerated earn rate of 10% on reliance retail.
Cons
- 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.
Accelerated rewards
- 10% on reliance retailMerchants: reliance-digital, ajio, reliance-smart, trends, netmeds, jiomart10 Reward Points per ₹100 at Reliance Retail brands.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹5,00,000 / annual: Reliance Retail vouchers worth ₹7,000 (≈ ₹7,000 value)
Airport lounge access
Domestic
8 visit(s) / annual. Via dreamfolks.
International
4 visit(s) / annual. Via priority-pass.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per monthly.
Sources
- : www.sbicard.com · retrieved 15 Apr 2026
Last verified 15 Apr 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.