Reliance SBI Card PRIME benefits
- Rewards20
reward points per ₹100 at AJIO and JioMart online
- Rewards10
reward points per ₹100 at participating Reliance Retail stores
- Rewards5
reward points per ₹100 on dining, movies, domestic airlines and international spends
- Gift₹3,000
Reliance Retail voucher as a welcome gift
- Lounge
Priority Pass access to airport lounges abroad, 4 visits a year
Reliance SBI Card PRIME rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Reliance Retail20 reward points per ₹100 at the AJIO and JioMart online stores, from 1 October 2025. The terms give no monthly limit for this rate. | 20 points per ₹100 | None |
| Reliance Retail10 reward points per ₹100 at participating Reliance Retail stores, such as Smart Bazaar. The same rate applies at other participating Reliance formats. UPI payments with the RuPay card at these stores earn 2 points per ₹100. | 10 points per ₹100 | None |
| Dining and food delivery5 reward points per ₹100 on dining, movies and entertainment. Shares a limit of 7,500 points a statement cycle with domestic airlines, then earns 2 points per ₹100. | 5 points per ₹100 | 7,500 |
| Travel5 reward points per ₹100 on domestic airlines, including their international flights. Hotels and other travel earn 2 points per ₹100. Shares the 7,500 point limit. | 5 points per ₹100 | 7,500 |
| Everything else | 2 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, wallet loads, rent, government payments, Flexipay, merchant EMI, balance transfers and cash advances.
All reward rules
- The terms set 4 reward points = ₹1, so one point is worth ₹0.25. Points can be redeemed only for Reliance Retail vouchers, not as cash or statement credit.
- At ₹0.25 a point, 20 points per ₹100 is 5% back, 10 points is 2.5% and 2 points is 0.5%.
- International spends also earn 5 points per ₹100, with a separate limit of 7,500 points a statement cycle.
- Welcome gift: a Reliance Retail voucher worth ₹3,000 after the joining fee is paid.
- At launch in October 2023, SBI Card and Reliance Retail also listed Reliance Retail vouchers of ₹1,500, ₹2,250 and ₹5,000 on yearly spends of ₹75,000, ₹1.5 lakh and ₹3 lakh at participating Reliance stores, and a 1% fuel surcharge waiver. The current terms booklet does not repeat these, so check the card page before you count on them.
- Reward points are valid for 24 months. Reliance Retail vouchers are valid for 12 months and cannot be used on gold, jewellery, mobile phones and some other items.
What the Reliance SBI Card PRIME gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern, using Reliance Retail where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 2.5% | ₹900 |
| Dining and food delivery | ₹2,000 | 1.25% | ₹300 |
| Online shopping | ₹18,000 | 5% | ₹10,800 |
| Travel | ₹1,000 | 1.25% | ₹150 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 0.5% | ₹120 |
| Everything else | ₹3,000 | 0.5% | ₹180 |
| Total | ₹30,000 | ₹12,450 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹12,450* |
That is ₹7,365 a year more than the IndusInd Bank Pinnacle World Credit Card on the same spending.
Reliance SBI Card PRIME annual fee and charges
- Joining fee
- ₹2,999
- Annual fee
- ₹2,999
- Fee waiver
- ₹3,00,000 a year
- Foreign currency markup
- 3.5%
Joining fee ₹2,999 and renewal fee ₹2,999, both before GST. The renewal fee is waived on spends of ₹3 lakh or more in the previous year.
Reliance SBI Card PRIME eligibility
SBI Card does not publish a minimum age or income for this card. SBI Card checks eligibility when you apply.
The bank alone decides approval and your credit limit.
Reliance SBI Card PRIME lounge access
4 international visits a year. Banks often set a spend condition, so read the reward rules above.
4 international lounge visits a year through a free Priority Pass, at most 2 a quarter, for the primary cardholder. The card is in SBI Card's domestic lounge programme, but the documents we checked do not give the current number of domestic visits, so we do not count them.
Is the Reliance SBI Card PRIME right for you?
A card with a ₹2,999 fee that spending can waive, paying 5% at Reliance Retail and a below-average 0.5% elsewhere.
Worth its fee if you spend about ₹9,000 a month or more. Below that, the ₹2,999 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot at Reliance Retail: the card pays 5% back there, against 0.5% on most other spends.
- You spend ₹3,00,000 a year or more (about ₹25,000 a month), so the ₹2,999 renewal fee is waived.
- You fly a few times a year: it includes 4 international airport lounge visits a year.
Not for you if
- You spend less than about ₹25,000 a month: you would pay ₹3,539 a year with GST.
- You rarely use Reliance Retail: outside it the card pays 0.5%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Reliance SBI Card PRIME
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Reliance SBI Card PRIME | ₹2,999 | 5% | ₹2,160* |
| IndusInd Bank Pinnacle World Credit Card | Free | 1.88% | ₹3,645* |
| Axis Bank SELECT Credit Card | ₹3,000 | 2% | ₹60* |
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
How can I use Reliance SBI Card PRIME reward points?
Only as Reliance Retail vouchers, which you request in the SBI Card app, on the website or through the helpline. 4 points are worth ₹1. Points cannot be taken as cash or statement credit.
How many points does Reliance SBI PRIME give on AJIO and JioMart?
20 reward points per ₹100 since 1 October 2025, which is 5% back in Reliance vouchers. Other participating Reliance Retail stores give 10 points per ₹100.
Is the Reliance SBI Card PRIME fee worth paying?
The fee is ₹2,999 plus GST, and you get a ₹3,000 Reliance Retail voucher after paying it. From the second year the fee is waived if you spent ₹3 lakh or more in the previous year.
Does UPI on the Reliance SBI PRIME RuPay card earn 10X at Reliance stores?
No. UPI payments with the RuPay card at participating Reliance Retail stores earn 2 reward points per ₹100, the normal rate.