customer-support

Talk to Expert

Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616

Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.

Get the App
get-the-app-mobile
Download the
Paisabazaar app Today!

Get instant access to loans, credit cards, and financial tools — all in one place

get-the-app-qr

Scan to download on

play-app-store
Paisabazaar Logo
  • Home /
  • Credit Card /
  • SBI Card /
  • Reliance SBI Card PRIME
    • Image of Reliance SBI Card PRIME
    SBI Cards

    Reliance SBI Card PRIME

    cat name Shopping
    cat name Rewards
    3.5/5.0

    Movies3.5/5

    Rewards3.5/5

    Dining Benefits3.0/5

    Co-branded Benefits4.0/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹2,999* Plus Applicable Taxes

    Shopping

    Shopping

    Benefits on Reliance Group brands

    Rewards

    Rewards

    Up to 10 reward points on every Rs. 100 spent

    Lounge Access

    Lounge Access

    Up to 8 lounge access every year

    Updated on October 30, 2025 10:43 am

    Author: Megha Khanna

    Find Best Credit Card Offers

    It hardly takes 2 minutes

    +91 0 /10 Digits

    Don't worry, this will not affect your credit score

    The entered number doesn't seem to be correct

    By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy
    Please accept the undertaking to proceed further

    About The CardCo-branded BenefitsOther Features & BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About Reliance SBI Card PRIME

    Reliance SBI Card Prime is the premium variant of the co-branded cards offered by SBI Card and Reliance Group. The card offers benefits on various segments, including clothing, footwear, furniture, etc., due to multiple brands covered in Reliance Group’s umbrella, such as Jio Mart, Ajio, Reliance Trends, Cover Story, Zivame, Netmeds, Reliance Jewels, Urban Ladder, and many others.

    The card caters to the needs of these brand’ loyalists by offering savings in three ways: accelerated reward earning on regular spends, discount vouchers as a welcome benefit, and Reliance Retail Voucher as a milestone benefit. It offers a 2.5% value-back on Reliance retail spends with additional discount vouchers up to Rs. 11,999 and vouchers up to Rs. 8,750 as a milestone benefit with a low spend threshold of just Rs. 3 lakh.

    The co-branded benefits cover most of the regular shopping needs of the users. However, before choosing this credit calculate if you can get a better return on other cards offering all-round benefits. Estimate if the additional benefits offered in the form of welcome & milestone benefits along with discount offers work as a redeeming feature for a comparably low reward rate.

    Note: This card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the SBI Card website.

    Co-branded Benefits:

    • Rewards: 10 reward points for every Rs. 100  spent on the participating Reliance Retail Stores.
    • Cashback Offer: 5% cashback, up to Rs. 1,000 per month on Jio Mart spends1.
    • RelianceOne Offer: Adittional 1 RelianceOne point per Rs. 200 offline spends made on groceries and on Fashion Factory.
    • Milestone Benefits2: Reliance retail voucher worth Rs. 1,500  on annual spends of Rs. 75,000, worth Rs. 2,250 on annual spends of Rs. 1.5 Lakh, and of Rs. 5,000 on annual spends of Rs. 3 Lakh.
    • Activation Benefits: Reliance retail voucher worth Rs. 3,000 on activation. Plus, additional discount vouchers3 worth Rs. 11,999 of participating Reliance stores, as follows:

    Check SBI Credit Card Eligibility Criteria

    View More
    Image of null
    Image of null

    Reliance SBI Card Prime - Features & Benefits:

    • Rewards Program4:
      • 5 reward points for every Rs. 100 spent on Dining, Movies & Entertainment, Domestic Airlines and International Spends
      • 2 reward points for every Rs. 100 spent on other retail purchases
      • Value of 1 reward point = Rs. 0.25
    • Movies: 1 movie ticket every month worth Rs. 250 via BookMyShow

    Suggested Read: Best Credit Cards for Movie Tickets

    • Lounge Access: 8 complimentary domestic airport lounges (up to  2 per quarter) and 4 international airport lounge access (max. 2 per quarter) per calendar year
    • Fuel: 1% fuel surcharge waiver5 across all petrol pumps in India up to Rs. 100
    • Fee Waiver: Renewal fee waiver on annual spends of Rs. 3 Lakh

    Check SBI Credit Card Lounge Access Benefits

    The rewards program here is quite basic despite the accelerated reward rate on co-branded spends since the redemption ratio of the reward point to their monetary value is 4:1. So, cardholders can earn 2.5% value. In a market where co-branded online shopping cards are giving at least 5% flat cashback with partner brands along with 1-2% value across all other spends, the reward rate of Reliance SBI Cards stand too low. Even offline retail co-branded cards are giving better value, for example- Shoppers Stop Black HDFC Credit Card offers 7% reward points, where value of 1 reward point is up to Rs. 1.

    Reliance SBI Credit Card Prime: Fees & Charges

    Fees & Charges Amount
    Joining/Annual Fee Rs. 2,999
    Finance Charges Up to 3.50% per month (42% per annum)
    Late Payment Charges
    For Outstanding Balance:
    Up to Rs. 500 Nil
    From Rs. 501 to Rs. 1,000 Rs. 400
    From Rs. 1,001 to Rs. 10,000 Rs. 750
    From Rs. 10,001 to Rs. 25,000 Rs. 950
    From Rs. 25,001 to Rs. 50,001 Rs. 1,100
    Above Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Get this card if:

    You frequently shop at Reliance Retail stores like Reliance Trends, AJIO, Jio Mart, etc.

    You prefer these brands and would not be willing to switch to other brands

    You typically spend a considerable amount at Jio Mart, Reliance Trends, etc. and would be able to maximise the value of monthly discount vouchers

    You already have other cards that offer you good value back across other spending categories and you are only looking to save on Reliance Retail brands

    Other Similar Cards:

    Paisabazaar Review

    Overall Rating

    3.5/5

    Movies3.5/5

    Rewards3.5/5

    Dining Benefits3.0/5

    Co-branded Benefits4.0/5

    What do we like about this card?

    Apart from welcome vouchers of Rs. 3,000, cardholders can also avail additional discount vouchers worth Rs. 11,999, exceeding the fee of Rs. 2,999 by a giant margin. In comparison to the base variant, this card offers additional benefits like complimentary domestic and international lounge access and movie discounts.

    Pros

    • 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

    Cons

    • Low rewards redemption ratio of 4:1
    • Rewards redemption option limited to Reliance Retail Stores

    Conclusion

    Though the welcome benefits are good, the benefit comes in the form of 11 different vouchers across 11 Reliance Retail brands, and you can utilize the complete value of these discount vouchers only after spending at least Rs. 1,21,243. There is a minimum purchase value for each voucher, adding to the terms and conditions. The Jio Mart Cashback offer is quite practical, as groceries make a substantial expenditure, and it could be easier to maximize this benefit. The decent co-branded benefits can help the users save a good amount on their spends at Reliance Retail stores. However, those seeking all-round benefits can find better options at a fee of Rs. 2,999.

    Frequently Asked Questions

    Everything you need to know about this credit card

    Yes, with the RuPay variant of your Reliance SBI Card Prime, you get 2 reward points per Rs. 100 spent at participating Reliance Retail stores only.

    The card offers 5 reward points for every Rs. 100 spent on all domestic airlines, including domestic flights for international destinations as well.

    Reward points earned via Reliance SBI Card Prime are redeemable against Reliance Retail Vouchers.

    The card charges a forex markup fee of 3.5% on overseas transactions.

    You can contact SBI credit card customer care at 1860 180 1290/1860 500 1290 in case of any disputes or concerns.

    The eligibility criteria for Reliance SBI Card PRIME is that you must be an Indian resident aged between 21 and 60 years with a stable income. However, the final approval depends on your credit profile and the issuer’s internal policy.

    You can apply online through the official SBI Card website or visit a nearby SBI branch. You’ll need to fill out the application form and submit KYC documents for verification.

    Reliance SBI Card PRIME offers higher value-back on Reliance brand spends along with lifestyle benefits like lounge access and milestone rewards, making it a good mid-range option compared to entry-level SBI cards.

    Yes, Reliance SBI Card PRIME supports the Flexipay EMI facility. You can convert eligible transactions above Rs. 2,500 into easy monthly installments through your SBI Card account or mobile app.

    Reliance SBI Card PRIME comes with an annual fee of Rs. 2,999 plus taxes, which can be waived off on spending Rs. 3 Lakh in a year.

    Balance transfer on EMI allows you to transfer outstanding balances from other credit cards to your Reliance SBI Card PRIME and repay in easy EMIs at lower interest rates.

    Yes, you can withdraw cash from ATMs using your Reliance SBI Card PRIME, but cash advance fees and interest charges apply from the date of withdrawal.

    img

    Need More Help?

    Leave a comment or ask a question!

    Ask Your Question

    Footnotes

    1. Cashback on Jio Mart spends is redeemable across general merchandise & fashion categories only.
    2. Vouchers given on achieveing milestone spends are calculated basis transactions done at participating Reliance Retail Stores only.
    3. Additional vouchers on activation: For Reliance Trends discount voucher is applicable on Apparel & Footwear; Reliance Jewels: 2% On making charges for Gold & 2% On Diamond invoice value, applicable on select SKUs in Gold & Diamond; AJIO: Discount applicable after all other offers.
    4. Exclusions from Rewards Program: Fuel, property rental and wallet upload.
    5. Fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000.

    Click here to know More Terms and Conditions

    Megha Khanna linkedIn icon

    Content Writer

    Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.

    Trending Articles on Credit Cards

    View All Articles
    img
    Best Railway Lounge Access Credit Cards in India 2026
    img
    Shruti Sharma
    9 Dec 2025
    img
    Best Credit Cards for Airport Lounge Access in India 2026
    img
    Shruti Sharma
    1 Dec 2025
    img
    Best Low Interest Credit Cards in India 2026
    img
    Shruti Sharma
    20 Nov 2025

    Explore other Card Categories

    cat name Memberships
    cat name Travel
    cat name Lounge Access
    cat name Golf
    cat name Dining
    cat name Online Grocery
    cat name Premium
    cat name Shopping
    cat name Milestone Benefits
    cat name Co-branded
    cat name Brand Discount
    cat name Online Dining
    cat name Online Travel
    cat name Welcome Benefit
    cat name Offline Grocery
    cat name Offline Movies
    cat name Offline Dining
    cat name Movies
    cat name Online Movies
    cat name Lifetime Free
    cat name Rewards
    cat name Cashback
    cat name Fuel
    cat name Offline Travel
    cat name Offline Shopping
    cat name Online Shopping
    cat name Fee Waiver
    cat name Renewal Benefit

    Explore Cards from Leading Issuers

    HSBC Bank HDFC Bank SBI Cards American Express ICICI Bank Kotak Mahindra Bank Axis Bank Standard Chartered Bank YES BANK RBL Bank IndusInd Bank IDFC FIRST Bank AU Small Finance Bank Federal Bank BOBCARD Punjab National Bank SBM Bank Canara Bank Equitas Small Finance Bank IDBI Bank Indian Bank DBS Bank Bank of India
    icon

    Check eligibility for best credit cards

    Check Eligibility
    Menu