Compare : Axis Bank ACE Credit Card vs Reliance SBI Card PRIME

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Reliance Retail voucher worth Rs. 3,000 on joining fee payment

Discount vouchers worth Rs. 11,999 of participating Reliance Retail Stores

5% cashback on utility bill payments, DTH and mobile recharges via Google Pay

4% cashback on Swiggy, Zomato and Ola

1.5% cashback on all other spends

10 Reward Points per Rs. 100 spent on participating Reliance Retail Stores, except via UPI

5 Reward Points per Rs. 100 spent on dining, movies/entertainment, domestic airlines and international spends

2 Reward Points per Rs. 100 spent on other retail spends, except fuel, wallet upload, property rental

1 Reward Point = Rs. 0.25, redeemable against Reliance Retail vouchers

4 complimentary airport lounge visits per year, on spending Rs. 50,000 or more in the previous quarter

8 complimentary visits to domestic and 4 to international airport lounges per year, up to 2 visits per quarter each

Accelerated cashback of 5% on recharges and utility bills payments - categories that are generally either excluded or come with base savings rate

Base cashback rate of 1.5% without any capping

Zero joining fee on applying via Paisabazaar

Easily achievable annual fee waiver condition, even for low spenders

Great co-branded benefits in the form of accelerated rewards, bonus vouchers and discount deals

Welcome benefits worth more than the joining fee

Easily achievable annual fee waiver condition

Lounge access is not spend-based

Decent reward rate of 2.5%

Multiple milestone benefits

Monthly capping on incremental cashback earnings

Quarterly spend-based condition applicable on complimentary access to domestic airport lounges

Low rewards redemption ratio of 4:1

Rewards redemption option limited to Reliance Retail Stores

People who want to earn substantial value-back on bill payments & recharges, and also frequently order food online

Those who frequently shop from Reliance Reatil Stores, like Netmeds, Catwalk, AJIO, Centro, Reliance Digital, Trends, Zivame, Metro, Urban Ladder, JioMart, Milkbasket, etc. and wish to save on their shopping spends