Reliance SBI Card
SBI
Grocery cashbackpriority:vouchers
₹499
Joining fee
₹499, waived at ₹1L spend
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Reward details
1 point per Rs 100 on other retail purchases
- 5 points per Rs 100 on Dining & movies
- 5 points per Rs 100 on Participating Reliance Retail stores
- 10 points per Rs 100 on AJIO/JioMart online (excludes UPI)
- 5% cashback on JioMart — Rs 250/month
Welcome bonus: Welcome vouchers worth Rs 3,200 across Reliance brands
Redemption
Ratio: 1 point = Rs 0.25
Excluded from rewards: fuel, property rental, wallet upload transactions
- 1% fuel surcharge waiver capped at Rs 100/cycle on Rs 500-4,000 transactions
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Low annual fee with an easy waiver threshold — Paisabazaar
- Achievable milestone benefits — Paisabazaar
- Multi-brand coverage across the Reliance ecosystem — Paisabazaar
Complaints
- No lounge access on this base variant — Paisabazaar
- Restrictive brand-specific benefits — Paisabazaar
- Low base reward rate beyond primary categories — best suited for Reliance loyalists with offline spending habits, not general-purpose rewards seekers — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass — figures drawn entirely from aggregator
- Aggregator — fees, rewards, sentiment