SBI Card
Reliance SBI Card PRIME
Annual Fee
₹3,539₹2,999 + GSTBase Reward
2% points
Foreign Markup
3.5% of the Transaction Amount
Welcome Benefits
Reliance Retail Vouchers Worth ₹3,000 and Discount Vouchers of ₹11,999
Product Highlights
- Get Reliance Retail Vouchers worth ₹3,000 as a welcome benefit.
- Get 8 free domestic and 4 international lounge access with this credit card.
Category Rewards
dining
5X on dining, movies, departmental stores
5X
entertainment
5X on dining, movies, departmental stores
5X
Specialty
5X on dining, movies, departmental stores
5X
Fee Waiver
Waiver of Annual Charges on Spends of ₹3 Lakh
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Reliance Smart
10X at Reliance Retail stores
Reliance Trends
10X at Reliance Retail stores
Reliance Digital
10X at Reliance Retail stores
AJIO
10X at Reliance Retail stores
Reliance Footprint
10X at Reliance Retail stores
JioMart
10X at Reliance Retail stores
Reward Calculator
Earns ₹4,261/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
7.8K
Reliance One Points
₹7.8K
via standard
Effective rate
4.06%
Annual fee
₹3,539
Year 1 net
+₹4,261
Year 2+ net
+₹4,261
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
₹3,000 Reliance voucher / fee reversal
Surcharges & 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–₹4,000 fuel txns · capped at ₹250/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
10 Reward Points for every ₹100 spent at Reliance Stores, 5 Reward Points on Movies, Dining, Domestic Airlines & International Spends, 2 Reward Points on Other Spends.
- 1 RP = ₹0.25 against Reliance Vouchers
Benefits & Features
Domestic: 8 Complimentary Visits Per Year (2 Each Quarter) International: 4 Complimentary Visits Per Year (2 Each Quarter) Full lounge access description
Pros & Cons
Pros
- Free domestic and international lounge access
- Best for shopping at Reliance stores
Cons
- Discounts are mainly centered around Reliance Brands
Additional Info
You can link your Reliance SBI Prime Credit Card to your UPI application.
Fuel, wallet reloads, and rental payments are not eligible for Reward Points.
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 ₹3 Lakh