SBI Card
Reliance SBI Card
Annual Fee
Lifetime FreeBase Reward
5% points
Foreign Markup
3.5% of the Transaction Amount
Welcome Benefits
Reliance Retail Vouchers Worth ₹500 and Discount Vouchers of ₹3,200
Product Highlights
- 5 Reward Points for every ₹100 spent on purchases made at Reliance Stores
- 5 Reward Points for dining and movies
Category Rewards
shopping
5 Reward Points on Reliance Retail Stores
5X
dining
5 Reward Points on Dining
5X
Specialty
1 Reward Point on Other Retail Purchases
1X
Fee Waiver
Waiver of Annual Charges on Spends of ₹1 Lakh
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Reliance Smart
5X at Reliance Retail (Reliance Smart, Trends, Digital, etc.)
Reliance Trends
5X at Reliance Retail (Reliance Smart, Trends, Digital, etc.)
Reliance Digital
5X at Reliance Retail (Reliance Smart, Trends, Digital, etc.)
AJIO
5X at Reliance Retail (Reliance Smart, Trends, Digital, etc.)
Reliance Footprint
5X at Reliance Retail (Reliance Smart, Trends, Digital, etc.)
JioMart
5X at Reliance Retail (Reliance Smart, Trends, Digital, etc.)
Reward Calculator
Earns ₹3,000/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
3K
Reliance One Points
₹3K
via standard
Effective rate
1.92%
Annual fee
FREE
Year 1 net
+₹3,000
Year 2+ net
+₹3,000
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹3,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
5 Reward Points on purchases made at Reliance Retail Stores, Dining & Movies Per ₹100 Spent. 1 Reward Point Per ₹100 Spent on Other Retail Purchases.
- 1 RP = ₹0.25
Benefits & Features
5 Reward Points on Dining Per ₹100 Spent.
Pros & Cons
Pros
- Low joining fee of ₹499
- 5 Reward Points for spends made on dining and movies
Cons
- No complimentary lounge access
- Mainly beneficial for customers who shop at Reliance stores
Additional Info
This card is mainly beneficial for customers who make regular purchases from Reliance stores.
Maximum fuel surcharge of ₹100 can be availed in a month (₹1,200 annually).
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Waiver of Annual Charges on Spends of ₹1 Lakh