Reliance SBI Card PRIME
SBI
₹2,999
Joining fee
₹2,999, waived at ₹3L spend
Annual fee
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹60,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 730+
Estimated — not officially confirmed by the bank.
Age: 21–60
Stable income required — no specific figure given; CIBIL not explicitly specified, final approval depends on credit profile and issuer's internal policy.
Indian resident required
Reward details
2 points per Rs 100 on other retail purchases
- 20 points per Rs 100 on AJIO and JioMart online (except UPI)
- 10 points per Rs 100 on Participating Reliance Retail stores
- 5% cashback on JioMart (general merchandise & fashion only) — Rs 1,000/month
- 5 points per Rs 100 on Dining, movies, entertainment, domestic airlines, international spends
Welcome bonus: Welcome vouchers worth Rs 3,000 plus additional discount vouchers up to Rs 11,999 across Reliance brands
- Rs 3 lakh annual spend: Milestone vouchers up to Rs 5,000
Redemption
Redeemable against Reliance Retail Vouchers
Ratio: 1 point = Rs 0.25
Excluded from rewards: fuel, property rental, wallet uploads
- 1 movie ticket monthly (Rs 250 value) via BookMyShow
- 1% fuel surcharge waiver (up to Rs 100/transaction, Rs 500-4,000 range)
- Network-specific RuPay/Mastercard discounts
- Aggregator explicitly states 'lounge access is not spend-based' for this card
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Welcome benefits are good and exceed the joining fee — Paisabazaar
- Great co-branded benefits via accelerated rewards, bonus vouchers, and discount deals — Paisabazaar
Complaints
- Low rewards redemption ratio of 4:1 limits value — Paisabazaar
- Welcome benefits require minimum purchase thresholds across 11 vouchers totaling over Rs 1,21,243 to fully utilize — Paisabazaar
- Overall reward rate on Reliance SBI cards described as 'too low' compared to competitors; best suited only for Reliance retail loyalists — Paisabazaar
Sources
- Official — rendered navigation content only, confirmed only welcome voucher and lounge/movie benefit highlights
- Aggregator — fees, eligibility, lounge, rewards, sentiment