Reliance SBI Card PRIME
The Reliance SBI Card PRIME is a ₹2,999 premium co-brand built for heavy Reliance Retail shoppers, earning up to 20 Reward Points per ₹100 (~5%) on AJIO and JioMart, 10 (~2.5%) at other Reliance Retail stores, 5 (~1.25%) on dining, movies, domestic airlines and international spends, and 2 (~0.5%) on other retail, with each point worth ₹0.25 and redeemable mainly into Reliance Retail vouchers. It adds 8 domestic lounge visits a year plus a Priority Pass with 4 international visits, a monthly BookMyShow movie ticket up to ₹250, and Reliance vouchers worth up to ₹8,750 across annual milestones. The ₹2,999 fee is reversed on ₹3 lakh of annual spend, but off-ecosystem spend earns a thin 0.5% and fuel, rent and wallet loads earn nothing.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹3,000 in vouchers, points or cashback on card activation
5% on Online Shopping
20 Reward Points per Rs.100 (~5%) on AJIO & JioMart online stores. UPI payments on the RuPay variant drop to the base rate of 2 Reward Points per Rs.100 — they still earn, just not the accelerated rate
2.5% on Groceries
10 Reward Points per Rs.100 (~2.5%) at other participating Reliance Retail stores such as Smart, Digital & Trends. UPI payments on the RuPay variant drop to the base rate of 2 Reward Points per Rs.100
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹2,999 + 18% GST (₹3,539 all-in)/yr fully waived when you spend ₹3,00,000/year
Movie Ticket Benefit
1 free movie ticket per month up to Rs.250 via BookMyShow (one transaction per month; convenience fee applies)
Milestone Bonus
~₹8,750 in bonus rewards on hitting annual spend milestones
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 5% | — |
| Groceries | reward points | 2.5% | — |
| Dining | reward points | 1.25% | ₹1,875 |
| Travel | reward points | 1.25% | ₹1,875 |
| Other | reward points | 0.5% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹3,539 |
| Joining fee (incl. 18% GST) | ₹3,539 |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹21,950/yr in total.
️ lounge access ~ ₹9,000 /yr
8 domestic lounge visits a year (2 per quarter) plus complimentary Priority Pass membership with 4 international lounge visits a year (2 per quarter)
movie ticket ~ ₹3,000 /yr
1 free movie ticket per month up to Rs.250 via BookMyShow (one transaction per month; convenience fee applies)
milestone bonus ~ ₹8,750 /yr
Reliance Retail vouchers worth up to Rs.8,750 across annual spend milestones — Rs.1,500 at Rs.75,000, Rs.2,250 at Rs.1.5 lakh and Rs.5,000 at Rs.3 lakh
fuel waiver ~ ₹1,200 /yr
1% fuel surcharge waiver on transactions between Rs.500 and Rs.4,000; max waiver Rs.100 per statement cycle
Spend milestone
· ₹3,00,000 a year ₹8,750 of value
Should you get it?
Best for: Committed AJIO, JioMart and Reliance Retail shoppers, Households spending Rs.3 lakh-plus a year within the Reliance ecosystem, Shoppers who also want lounge access and a monthly movie ticket
Premium tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Online Shopping ( 5% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- Up to 20 Reward Points per Rs.100 (~5%) on AJIO and JioMart, plus 10 (~2.5%) at Reliance Retail stores
- Domestic and international lounge access with complimentary Priority Pass membership
- Reliance Retail vouchers worth up to Rs.8,750 on Rs.3 lakh annual spend, plus a monthly free movie ticket
- Rs.2,999 fee reversed on Rs.3 lakh of annual spend
✕ Cons
- Reward Points value only Rs.0.25 each and redeem mainly into Reliance Retail vouchers
- Off-ecosystem spend earns just 2 RP per Rs.100 (~0.5%); fuel, rent and wallet loads earn nothing
- High Rs.2,999 fee makes it worthwhile only for committed Reliance Retail shoppers
Eligibility & documents
Min. income
₹50,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / valid address proof
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Redeem Reward Points against Reliance Retail vouchers at Rs.0.25 per point
🎁 Welcome and milestone vouchers are usable only at participating Reliance Retail stores
What your SBI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Capped at 60,000 pts/month from Apr 2026
Rewards catalogue / vouchers BEST Vouchers & merchandise
The concern Reward Points are worth only ₹0.25 each and redeem mainly into Reliance Retail vouchers, so the high ₹2,999 fee is worthwhile only for committed Reliance Retail shoppers.
The bottom line
The Reliance SBI Card PRIME functions as an accelerated rewards card tailored for dedicated Reliance consumers. If you regularly spend over ₹3 lakh annually across Reliance Retail, AJIO, and JioMart, the combination of milestone vouchers, accelerated earn rates, lounge privileges, and monthly cinema savings comfortably justifies membership. Conversely, for cardholders with diversified spending, the ₹0.25 point valuation and ecosystem-restricted redemption make the ₹2,999 fee difficult to recover.
Sources & verification
Fees, reward rates, and benefits for the Reliance SBI Card PRIME are taken from SBI Card 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 5 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2023 · 4 changes · last change Nov 2025
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2025 2 changes — 1 cut, 1 improvement
▼ Fee Effective 1 Nov 2025
System-wide fee revision — 1% on third-party education payments and large wallet loads
From 1 Nov 2025 SBI Card added a 1% fee on education-fee payments made through third-party apps/aggregators (direct school, college and campus-POS payments stay free) and a 1% fee on digital-wallet loads above ₹1,000. It applies to Reliance SBI Card PRIME like every SBI card; wallet loads on this card already earn no Reward Points, so the change is a cost, not a reward cut.
Verification: SBI Card ↗ · Confidence: High
▲ Reward Effective 1 Oct 2025
AJIO & JioMart earn rate doubled
10 RP per ₹100 (~2.5%) → 20 RP per ₹100 (~5%)
From 1 October 2025 SBI Card doubled the accelerated earn on AJIO and JioMart across the Reliance co-brand. The Reliance SBI Card PRIME went from 10 to 20 Reward Points per ₹100 (~2.5% to ~5% at ₹0.25/point), excluding UPI payments. This is the card's current headline benefit and reconciles to our live catalogue rate of 20 RP per ₹100.
Verification: SBI Card ↗ · Confidence: High
2024 1 change — 1 cut
▼ Fee Effective 15 Mar 2024
Minimum Amount Due (MAD) calculation revised
From 15 Mar 2024 SBI Card revised the portfolio-wide Minimum Amount Due formula to 100% of GST + EMI + fees/charges plus 5% of (finance charge + retail spends + cash advance) + overlimit, and where 5% falls short of the finance charge the MAD becomes 100% of finance charges. It does not change the total owed but raises the minimum payable, so it hits Reliance SBI Card PRIME holders who revolve a balance; it does not touch rewards.
Verification: SBI Card ↗ · Confidence: High
2023 1 change — 1 neutral
◆ Launch Effective 31 Oct 2023
Reliance SBI Card PRIME launched as SBI Card–Reliance Retail co-brand
On 31 Oct 2023 SBI Card and Reliance Retail rolled out the Reliance SBI Card in two variants; PRIME was the ₹2,999 premium tier. It launched earning 10 Reward Points per ₹100 on AJIO and JioMart, 10 at other Reliance Retail stores, 5 on dining, movies, domestic airlines and international spends and 2 on other retail (1 RP = ₹0.25, redeemed into Reliance Retail vouchers), with a ₹3,000 welcome voucher, up to ₹8,750 in milestone vouchers, 8 domestic + 4 international (Priority Pass) lounge visits, a monthly BookMyShow ticket and a ₹3 lakh renewal-fee-waiver threshold.
Verification: SBI Card ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: Reliance SBI Card PRIME value timeline — CardAdvisor
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Quick summary
Type Premium credit card
Reward rate 0.5%–5%
Best for Committed AJIO, JioMart and Reliance Retail shoppers
Joining fee ₹2,999
Annual fee ₹2,999
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 5 Aug 2026
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280 cards analysed — August 2026
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