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SBI Card
Reliance SBI Card
RuPay
Reliance SBI Card
A lifetime-free entry card for regular Reliance Retail shoppers — decent accelerated points on JioMart/AJIO/Reliance Trends, forgettable everywhere else.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Benefits by category
- 🛍️ Shopping
2.5% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 680
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- Reliance Retail voucher on card activation
- 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000
Pros
- + Zero joining/annual fee for life
- + Accelerated points on JioMart, AJIO and Reliance Retail stores
- + Low eligibility bar
Cons
- − Value only shows up if you actually shop at Reliance brands
- − Modest 0.5% base rate elsewhere