Basic Information

Welcome Benefits Reliance Retail Voucher worth ₹3,000 on payment of joining fee; additional Reliance brand discount vouchers worth up to ₹11,999

Card Details Card Name: Reliance SBI Card PRIME; Bank Name: SBI Card; Card Type: Co-branded Credit Card; Network: RuPay / Mastercard; Worldwide Acceptance

Card Category Premium

Payment Network rupay, master

Eligibility Minimum Age: 21 years; Maximum Age: 70 years; Employment: Salaried / Self-Employed; Regular source of income and good credit score required

Credit Limit Credit limit assigned by SBI Card based on internal credit criteria; exact minimum/maximum not specified

Rewards Program

Reward Points AJIO & JioMart: 20 RP/₹100; other participating Reliance Retail Stores: 10 RP/₹100; Dining, Movies & Entertainment, Domestic Airlines and International Spends: 5 RP/₹100; Other retail purchases: 2 RP/₹100; 4 RP = ₹1; Reward validity: 24 months

Cashback JioMart: 5% cashback, maximum ₹1,000/month under applicable offer; cashback credited to JioMart wallet for eligible categories

Redemption Reward Points redeemable against Reliance Retail Vouchers; 1 RP = ₹0.25; redemption through SBI Card App, website or helpline; Rewards Redemption Fee ₹99 where applicable

Milestone Rewards ₹1,500 Reliance Retail Voucher on ₹75,000 annual participating Reliance Retail spends; ₹2,250 voucher on ₹1.5 lakh; ₹5,000 voucher on ₹3 lakh; ₹3 lakh annual spend also qualifies for renewal-fee waiver

Travel Benefits

Airport Lounge Domestic: 8 complimentary visits/year, maximum 2 per quarter; International: 4 complimentary visits/year, maximum 2 per quarter

Membership Priority Pass: International lounge access; 4 complimentary international visits/year, maximum 2 per quarter

Shopping Benefits

Online Shopping AJIO: 20 RP/₹100; JioMart: 20 RP/₹100; JioMart offer may also provide 5% cashback up to ₹1,000/month under applicable offer

Offline Shopping Participating Reliance Retail Stores: 10 RP/₹100; participating formats include Reliance Trends, Reliance Smart/Smart Bazaar, Reliance Digital, Reliance Jewels etc., subject to eligible merchant/MID

Brand Offers Reliance Trends: 10% instant discount up to ₹750/month; AJIO: 5% up to ₹1,000/month on eligible orders; Azorte: 10% up to ₹1,000; Zivame: 5% up to ₹1,000/month; Coverstory: 10% up to ₹1,000/month; Reliance Jewels: 2% applicable offer; Urban Ladder: 5% up to ₹750/transaction

EMI Offers Merchant EMI / Convert to EMI; select transactions may offer manufacturer/merchant-funded cashback

Fuel Benefits

Fuel Savings 1% fuel surcharge waiver on eligible fuel transactions of ₹500–₹4,000; maximum waiver ₹100 per statement cycle

Dining & Entertainment

Dining 5 Reward Points per ₹100

Movies 5 Reward Points per ₹100; ₹250 movie ticket discount once per month on BookMyShow

Entertainment 5 Reward Points per ₹100 on eligible entertainment spends; ₹250 monthly BookMyShow movie-ticket benefit

Daily Spending Benefits

Utility Bills Easy Bill Pay; Standing Instructions / automatic bill payment available

Grocery Participating Reliance grocery/retail spends earn applicable Reliance Retail rewards; eligible Reliance Retail formats subject to merchant classification

Rent Payments Reward Points on rent payments discontinued from 1 April 2024; rent transactions also attract applicable processing fee

Insurance Payments Utility/bill payment facility supports insurance bill payments; no special insurance reward rate established

Education Education payments through third-party apps attract 1% fee from 1 Nov 2025; direct payment to college/school website or POS does not attract this fee

Insurance & Protection

Insurance Insurance products can be purchased through SBI Card; specific complimentary insurance cover for this card not established

Card Security EMV chip; Contactless security; SBI Card Alerts; lost/stolen card reporting and blocking; unauthorised transaction protection subject to SBI Card policy

Digital Features

Payments Contactless payment; RuPay card can be linked for UPI payments; Bharat QR / tokenised mobile payments supported where eligible

Mobile Wallet Mobile Credit Card/tokenisation support; supported token-requestor/mobile-wallet availability subject to SBI Card and eligible device

Banking Features SBI Card Mobile App/Website; account summary; unbilled transactions; spend analyser; statement/payment history; card/payment management

Add-on Features

Family Benefits Add-on cards available for spouse, parents, siblings and children above 18 years; Add-on Fee: Nil

EMI Features Flexipay; Balance Transfer on EMI; Convert to EMI; EMI tenures such as 3, 6, 9 and 12 months at participating merchants

Bill Payments Auto Debit / Standing Instruction; UPI; NEFT; YONO; BBPS; PayNet; Debit Card and other payment modes

Fees & Charges

Joining Charges ₹2,999 + applicable taxes

Annual Charges Renewal Fee: ₹2,999 + applicable taxes; Annual fee waiver on annual spends of ₹3 lakh or more in preceding year

Finance Charges Finance Charges: up to 3.75% per month / 45% per annum; Late Payment Charges as per SBI Card applicable slab

Cash Advance Charges Cash withdrawal available through eligible ATMs; applicable cash advance/processing fee; Cash Advance Limit forms part of overall credit limit

EMI Charges Flexipay EMI; Balance Transfer on EMI; Merchant EMI / Convert to EMI; processing fee and interest as applicable

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

Other Charges Card Replacement: ₹100–₹250; Emergency Card Replacement abroad: actual cost subject to applicable minimum; Overlimit Fee: 2.5% of overlimit amount, minimum ₹600; Reward Redemption Fee: ₹99 where applicable

Customer Support

Service 24-hour customer assistance / SBI Card helpline

Emergency Services Emergency card replacement available abroad at applicable actual cost; SBI Card emergency assistance

Performance & Ratings

Best Usage Best For: Reliance shopping, AJIO/JioMart, dining, movies & entertainment, domestic airlines, international spending, airport lounge access

Advantages High reward rate on AJIO/JioMart; strong Reliance Retail rewards; domestic & international lounge access; monthly ₹250 BookMyShow benefit; fuel surcharge waiver; Reliance milestone vouchers; ₹3 lakh annual fee waiver

Limitations Reward points cannot be redeemed as cash; Reliance Retail redemption is closed-loop; accelerated 5 RP/₹100 categories have 7,500 RP/statement-cycle cap; fuel, rent, wallet loading, Merchant EMI, Flexipay and certain other transactions do not earn regular rewards