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Reliance SBI Card PRIME
Reliance SBI Card PRIME is the step-up variant of SBI's Reliance co-brand line, aimed at households that spend heavily across the Reliance Retail ecosystem — AJIO, JioMart, and Reliance Trends chief among them. It earns 5% back on those platforms alongside a hefty combined joining voucher bundle worth close to ₹15,000, but like the base Reliance card, its best rates are confined to Reliance-owned brands rather than general spend.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in online shopping, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🍽️ Dining & food delivery
1.25% reward rate
- 🛍️ Shopping
5% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹35,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- 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: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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 worth ₹3,000 plus additional discount vouchers worth ₹11,999 issued on joining, together worth close to ₹15,000 in combined value
- Up to ₹5,000 in Reliance Retail vouchers annually, awarded in tiers as spend milestones are crossed
Pros
- + 5% back on AJIO and JioMart purchases
- + Large joining voucher bundle worth roughly ₹15,000 combined
- + Milestone vouchers worth up to ₹5,000/year for consistent spenders
- + Secondary 1.25% bonus rate on dining spend
Cons
- − High ₹3 lakh waiver threshold to avoid the annual fee
- − Best rates confined to Reliance-owned brands rather than general spend
- − Modest 0.5% base rate on everyday purchases outside bonus categories
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