Reliance SBI Card PRIME

Reliance SBI Card PRIME


Joining Fee: Rs 2999+GST
Annual Fee: Rs 2999+GST




0.5% to 2.5%



Issued On



Milestone Rewards, Domestic Airport Lounge Access, International Airport Lounge Access, BookMyShow Offer, Fuel Surcharge Waiver

Table of Contents

Reliance and SBI Card have come together to launch two new co-branded credit cards. Reliance SBI Card PRIME is the top variant and comes with a joining and annual fee of Rs 2999+GST. We get 10 reward points per Rs 100 spent at eligible Reliance Retail stores with this card. Reliance SBI Card PRIME also offers milestone benefits worth up to Rs 5000 as Reliance Retail vouchers. The annual fee is waived on spends of Rs 3 Lakh in a card membership year.


Joining FeeRs 2999+GST ~Rs 3539
Welcome BenefitRs 3000 Reliance Retail Gift Voucher
Additional discount vouchers worth Rs 11,999
Annual FeeRs 2999+GST ~Rs 3539
Annual Fee WaiverOn annual spends of Rs 3 Lakh
Renewal BenefitNone
Reliance SBI Card PRIME Review: Fees

You can redeem the welcome gift of Reliance Retail vouchers at this list of outlets.

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Discount Offers in Welcome Benefit

We get an one-time joining benefit in the form of instant discount vouchers that can be used on different Reliance Retail brands.

BrandDiscount Voucher ValueMin Purchase
Jio MartRs 250Rs 1250
AJIORs 750Rs 3999
Reliance TrendsRs 1000Rs 3999
CentroRs 1000Rs 6000
Fashion FactoryAny Denim@999NA
CoverstoryRs 2500Max redemption at 10% of bill
ZivameRs 500Rs 1999
Urban LadderRs 2000Rs 49,999 (Only Diamond Jewellery)
NetmedsRs 500Rs 1999
Reliance SBI Card PRIME Review: Welcome Benefit


Spend CategoryRewardsValue
Reliance Retail Outlets10 RP/Rs 1002.5%
Dining, Movies and Domestic Airlines5 RP/Rs 1001.25%
International Spends5 RP/Rs 1001.25%
Other Retail Spends2 RP/Rs 1000.5%
Fuel, Rent and Wallet SpendsNo RewardsNIL
Reliance SBI Card PRIME: Rewards

Reliance Retail has a huge number of brands under its umbrella. Most of them are eligible for the 2.5% reward rate. Your usual brands like Fresh, Smart, JioMart, Digital, AJIO, Trends and more are there in the list. You can check the complete list of participating brands in this document.

Milestone Rewards

The base reward rate at 2.5% at its own stores is quite low for a co-branded credit card with an annual fee of Rs 2999. But, we do get extra milestone benefits that bring up the reward rate to a good level.

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If you spend Rs 3 Lakh at Reliance Retail stores, you get the annual fee waiver and gift vouchers worth Rs 8750. So, the total return including base rewards comes to 5.4%.

Gift Voucher ValueTarget SpendsCumulative Value
Rs 1500Rs 75,0002%
Rs 2250Rs 1.5 Lakh2.5%
Rs 5000Rs 3 Lakh2.9%
Reliance SBI Card PRIME Review: Milestone Benefits

Discount Offers with Reliance SBI Card PRIME

We also have instant discount offers on Reliance SBI credit card at some of the brand stores. These are over and above the rewards.

BrandOfferMaximum Benefit
Reliance Trends10% instant discountRs 750 per month
Ajio5% instant discountRs 1000 per month on orders above Rs 2999
Centro10% instant discountRs 2000 per month
Zivame/Clovia5% instant discountRs 1000 per month
Coverstory10% instant discountRs 1000 per month
Jio Mart5% cashbackRs 1000 per month
Reliance SBI Card PRIME Review: Instant Discount Offers

Including the standard rewards, milestone benefits and the 5% cashback, we get a benefit of 10%+ on Jio Mart groceries round the year. This is pretty decent and will be a good benefit for many as Jio Mart has a reach in many cities.

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Rewards Redemption

Each reward point is worth 25 paise. We can redeem the reward points for Reliance Retail gift vouchers and use them at the Reliance Retail outlets for purchases.

BookMyShow Offer on Reliance SBI Card PRIME

Reliance SBI Card PRIME BookMyShow Offer

We do not see many offers for solo movie goers. But, here’s one on the Reliance SBI Prime credit card. We get 1 free movie ticket capped at Rs 250 per month with this card. This offer does not have any quotas. So, you can book it any day of the week at any time.

Complimentary Airport Lounge Access

Other Key Benefits & Charges

  • Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions between Rs 500 and Rs 4000. Maximum waiver capped at Rs 100 per statement cycle.
  • Rent Payment Charges: Rs 199+GST
  • Foreign Currency Markup: 3.5%+GST ~4.13%
  • Interest Rate: 3.5% per month or 42% annually

Is the Reliance SBI Card PRIME worth it?

Retail player co-branded credit cards can be an excellent option for loyal customers. We have many good options now like Tata Neu Infinity HDFC Bank credit card, Amazon Pay ICICI Bank credit card and Flipkart Axis Bank credit card. Reliance SBI Card PRIME joins this growing league. For its annual fee of Rs 2999+GST, it is a good option if you are into the Reliance Retail ecosystem of brands. Including the milestone rewards, we get 5%+ rewards on Reliance Retail spends. Plus, we also get extra instant discount/cashback offers on select Reliance Retail brands.

Reliance SBI Card PRIME

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