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Reliance SBI Card
Reliance SBI Card is a lifetime-free entry card for regular Reliance Retail shoppers, earning accelerated points on JioMart, AJIO, and other Reliance-owned stores while staying free of any joining or annual fee. It's a low-commitment way to earn on an ecosystem many Indian households already shop in, though its value is concentrated almost entirely in Reliance-owned brands rather than general spend.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.5%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 680+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🛍️ Shopping
2.5% reward rate
- ⛽ Fuel
1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at the pump
- 🌍 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
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at the pump
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- Reliance Retail voucher credited on card activation, usable across JioMart, AJIO, and Reliance Trends stores
- 1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at the pump
Pros
- + Zero joining/annual fee for life
- + Accelerated points on JioMart, AJIO, and Reliance Retail stores
- + Low eligibility bar suited to first-time applicants
- + 1% fuel surcharge waiver on everyday fuel purchases
Cons
- − Value only shows up meaningfully if you actually shop at Reliance brands
- − Modest 0.5% base reward rate on spend elsewhere
- − No lounge access or premium lifestyle benefits