Best Credit Cards for AJIO Shopping in 2026

The best credit card for AJIO depends on how much else you buy from Reliance. If you also shop on JioMart and at Reliance stores, Reliance SBI Card PRIME earns 5% and comes with a large joining voucher bundle. If AJIO is just one of several apps you use, HSBC Live+ (10% online, capped at ₹1,000 a month) or SBI Cashback (5% online, capped at ₹2,000) will usually earn you more overall. Here's the shortlist with the numbers.

1. Reliance SBI Card PRIME: for Reliance regulars

• Joining and annual fee: ₹2,999 each, waived on ₹3 lakh annual spend
• AJIO, JioMart and Reliance platforms: 5%
• Dining: 1.25%; base rate 0.5%
• Joining benefits: ₹3,000 Reliance Retail voucher plus discount vouchers worth ₹11,999, close to ₹15,000 in total
• Milestones: up to ₹5,000 in Reliance Retail vouchers a year
• Minimum income: ₹35,000 a month

Reliance SBI Card PRIME makes sense if a big share of your household spending goes to Reliance: groceries on JioMart, clothes on AJIO, and electronics at Reliance Digital. The 5% rate and milestone vouchers add up. Outside Reliance, 0.5% is weak, so pair it with a general card. Our Reliance SBI Card PRIME review has more detail.

2. Reliance SBI Card: the cheaper version

• Joining and annual fee: ₹499 each, waived on ₹1 lakh
• AJIO, JioMart and Reliance Retail: 2.5%
• Base rate: 0.5%
• Reliance Retail voucher on activation, usable on JioMart, AJIO and Reliance Trends
• Minimum income: ₹15,000 a month

The base Reliance SBI Card earns half of PRIME's rate on Reliance spends, but its fee is low and easy to waive. It suits lighter shoppers who still mostly buy from Reliance brands.

3. RBL Jalsa: 5% across AJIO and other apps

• Joining and annual fee: ₹999 each, waived on ₹1.5 lakh
• 5% cashback on Blinkit, Zepto, Myntra, Swiggy, Zomato, Meesho, Urban Company, Flipkart and AJIO, capped at ₹500 a month
• Base rate: 0.5%
• ₹1,000 quick-commerce voucher on activation
• Minimum income: ₹25,000 a month

RBL Jalsa is built for people who use many consumer apps. The ₹500 cap covers ₹10,000 of spend a month across all of those apps together, so if you also order food and groceries on it, AJIO shares the same cap.

4. HSBC Live+: highest rate, if you stay under the cap

• Joining and annual fee: ₹999 each, waived on ₹2 lakh
• Online shopping: 10% cashback, capped at ₹1,000 a month (Amazon, Flipkart and Myntra excluded)
• Also 10% on dining, groceries and utilities, each with its own ₹1,000 cap
• Forex markup: 1.99%
• Minimum income: ₹1,00,000 a month

AJIO isn't on HSBC Live+'s exclusion list in our data, so it should earn 10% as online shopping. Check how HSBC codes the merchant before you rely on it. If it does count, this is the highest-earning card on the list for up to ₹10,000 of monthly online spend. Our HSBC Live+ review covers the other categories.

5. SBI Cashback: 5% on all online spending

• Joining and annual fee: ₹999 each, waived on ₹2 lakh
• Online shopping: 5%, capped at ₹2,000 a month
• Minimum income: ₹25,000 a month

The SBI Cashback Card is the simplest option. AJIO, Myntra, Amazon and almost any other online store earn the same 5%, and the higher cap covers up to ₹40,000 a month. See our SBI Cashback deep dive.

Summary table

Card	Annual fee	Fee waiver	AJIO rate	Cap	Min. income
Reliance SBI Card PRIME	₹2,999	₹3 lakh	5%	Not listed	₹35,000
Reliance SBI Card	₹499	₹1 lakh	2.5%	Not listed	₹15,000
RBL Jalsa	₹999	₹1.5 lakh	5%	₹500/month (shared)	₹25,000
HSBC Live+	₹999	₹2 lakh	10%	₹1,000/month (online)	₹1,00,000
SBI Cashback	₹999	₹2 lakh	5%	₹2,000/month (online)	₹25,000

Worked example: ₹5,000 a month on AJIO

• HSBC Live+: ₹5,000 × 10% = ₹500 a month, ₹6,000 a year, as long as your other online spends leave room under the ₹1,000 cap
• Reliance SBI Card PRIME: ₹5,000 × 5% = ₹250 a month, ₹3,000 a year, plus about ₹15,000 of joining vouchers in year one
• RBL Jalsa: ₹250 a month, if your other app spends don't use up the ₹500 cap
• SBI Cashback: ₹250 a month, ₹3,000 a year
• Reliance SBI Card: ₹125 a month, ₹1,500 a year

₹60,000 a year on AJIO alone won't reach PRIME's ₹3 lakh fee waiver. Unless you add JioMart groceries and other spending, you'd pay ₹3,539 a year with GST. In year one the joining vouchers more than cover that. From year two, the card only pays off if your total Reliance spending is high.

How to choose

1. Add up your Reliance spending. If AJIO, JioMart and Reliance stores come to ₹15,000 a month or more, PRIME's 5% and milestones are hard to beat.
2. AJIO plus lots of other apps: SBI Cashback's ₹2,000 cap gives you room for everything. Jalsa's ₹500 cap fills up quickly.
3. Moderate spender, higher income: HSBC Live+ gives double the rate up to its cap.
4. Use sale offers. AJIO often runs bank-specific instant discounts during big sales. An instant discount plus your card's normal reward beats either alone, so check which banks are partners before you check out.
5. Don't keep two cards for the same 5%. If you already have SBI Cashback, PRIME only adds value through its Reliance vouchers.

For related picks, see the best cards for JioMart, Reliance Digital and Myntra.

Figures reflect BestCard's latest card data. Issuers change reward rates, caps and exclusions often, so check the issuer's site before applying. To compare these cards against your full monthly spending, try the card matcher.