Basic Information

Welcome Benefits Reliance Retail Voucher worth ₹500 on payment of joining fee; Additional discount vouchers worth ₹3,200 from participating Reliance Retail Stores; vouchers delivered within 45 days after realization of joining fee.

Card Details Card Name: Reliance SBI Card; Bank Name: SBI Card; Card Type: Shopping / Rewards Credit Card; Network: RuPay; Network Variant: RuPay

Card Category Entry Level

Payment Network rupay

Eligibility Minimum Age: 21 years; Maximum Age: 70 years; Employment: Salaried or Self-Employed; Regular source of income; Good credit score required. SBI Card states eligibility is assessed on multiple parameters.

Rewards Program

Reward Points AJIO & JioMart Online: 10 Reward Points/₹100; other participating Reliance Retail Stores: 5 RP/₹100; Dining & Movies: 5 RP/₹100; other eligible retail purchases: 1 RP/₹100; 1 RP = ₹0.25; Reward Points expire after 24 months.

Redemption Reward Points can be redeemed only against Reliance Retail Vouchers; points cannot be exchanged for cash/credit or used against card charges.

Travel Benefits

Travel Offers SBI Card may provide ongoing curated travel/merchant offers; no dedicated flight/hotel benefit specific to the Reliance SBI Card was identified.

Shopping Benefits

Online Shopping 10 Reward Points/₹100 on AJIO and JioMart online spends.

Offline Shopping 5 Reward Points/₹100 at participating Reliance Retail Stores; accelerated rewards depend on eligible merchant/MID/TID.

Brand Offers Welcome discount vouchers worth ₹3,200 from participating Reliance Retail Stores; additional SBI Card/Reliance Retail promotional offers may be available from time to time.

Fuel Benefits

Fuel Savings 1% fuel surcharge waiver across petrol pumps in India for eligible transactions between ₹500 and ₹4,000, excluding GST/other charges; maximum waiver ₹100 per statement cycle.

Dining & Entertainment

Dining 5 Reward Points per ₹100 spent on eligible Dining transactions.

Movies 5 Reward Points per ₹100 spent on eligible Movie transactions.

Entertainment Dining & Movies earn 5 Reward Points/₹100. No separate OTT benefit identified.

Daily Spending Benefits

Grocery Eligible Reliance Retail grocery spending earns accelerated reward points; participating Reliance formats are subject to SBI Card/Reliance Retail eligibility/MID mapping.

Digital Features

Payments RuPay variant; UPI payments are supported. At participating Reliance Retail Stores, RuPay UPI transactions earn 1 RP/₹100.

Add-on Features

Family Benefits Additional/Add-on Card facility available under SBI Card terms; specific Reliance SBI Card add-on fee/benefit not separately identified.

EMI Features Flexipay EMI facility available.

Bill Payments SBI Card supports Standing Instruction/Auto Debit for card bill payments.

Fees & Charges

Joining Charges ₹499 + applicable taxes

Annual Charges Annual/Renewal Fee: ₹499 + applicable taxes; Renewal fee waived on annual spends of ₹1,00,000 or more in the preceding year.

Finance Charges Up to 3.75% per month / 45% per annum; applicable taxes extra.

Cash Advance Charges Cash withdrawal fee: 2.5% of withdrawal amount or ₹500, whichever is higher; cash advance limit forms part of overall credit limit; maximum ATM cash withdrawal limit ₹15,000 per day, subject to available cash limit.

EMI Charges Flexipay EMI facility available through SBI Card; applicable processing fee and interest depend on the applicable Flexipay offer/booking.

Forex Charges Foreign Currency Transaction Fee: 3.5%; Dynamic Currency Conversion Fee: 3.5%.

Other Charges Reward Redemption Fee: ₹99 + applicable taxes for applicable physical products, Statement Fee Credit and eligible physical vouchers; Card Replacement Fee: ₹100–₹250; Overlimit Fee: 2.5% of overlimit amount, minimum ₹600.

Performance & Ratings

Best Usage Best For: Reliance Retail shopping, AJIO, JioMart, Dining & Movies, Shopping Rewards and Fuel Savings.

Advantages 10 RP/₹100 on AJIO & JioMart; 5 RP/₹100 on participating Reliance Retail Stores; 5 RP/₹100 on Dining & Movies; ₹500 Reliance Retail welcome voucher + ₹3,200 discount vouchers; annual fee waiver at ₹1 lakh annual spend; Reliance Retail milestone vouchers; 1% fuel surcharge waiver.

Limitations No complimentary airport lounge benefit identified for the regular Reliance SBI Card; reward redemption is restricted to Reliance Retail Vouchers; fuel purchases do not earn Reward Points; rent, wallet loading and certain other transactions are excluded from rewards.