In-depth review
Reliance SBI Card PRIME
A ₹2,999 premium co-brand built for heavy Reliance Retail shoppers: up to 20 Reward Points per ₹100 (~5%) on AJIO and JioMart, Reliance vouchers worth up to ₹8,750 a year, lounge access and a monthly movie ticket. Genuinely rewarding if you live in the Reliance ecosystem — poor value if you don't.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹3,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
20 points/₹100 on Online Shopping (~5% value)
20 Reward Points per Rs.100 (~5%) on AJIO & JioMart online stores. UPI payments on the RuPay variant drop to the base rate of 2 Reward Points per Rs.100 — they still earn, just not the accelerated rate
10 points/₹100 on Groceries (~2.5% value)
10 Reward Points per Rs.100 (~2.5%) at other participating Reliance Retail stores such as Smart, Digital & Trends. UPI payments on the RuPay variant drop to the base rate of 2 Reward Points per Rs.100
Airport Lounge Access
Complimentary: 8 domestic airport lounge visits a year (2 a quarter) and 4 international (2 a quarter)
Annual Fee Waiver
Fee of ₹2,999 + 18% GST (₹3,539 all-in)/yr fully waived when you spend ₹3,00,000/year
Movie Ticket Benefit
1 free movie ticket per month up to Rs.250 via BookMyShow (one transaction per month; convenience fee applies)
Milestone Bonus
~₹8,750 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
Priority Pass
International lounges
₹8,000
Estimated annual value
3.5%
Forex markup
1.3%
Travel reward rate
- Domestic + international airport lounge access (8 domestic visits/yr, worth ~₹8,000)
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
1/month
Free movie tickets
- 1 free movie ticket per month up to Rs.250 via BookMyShow (one transaction per month; convenience fee applies)
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹8,750
Milestone bonus value
- Reliance Retail vouchers worth up to Rs.8,750 across annual spend milestones — Rs.1,500 at Rs.75,000, Rs.2,250 at Rs.1.5 lakh and Rs.5,000 at Rs.3 lakh
For committed AJIO, JioMart and Reliance Retail shoppers — households routing ₹3 lakh-plus a year through the Reliance ecosystem — who also want lounge access and a monthly movie ticket.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shoppingonly at AJIO & JioMart | reward points | 5%20 pts/₹100 × ₹0.25 | — |
| Groceriesonly at Reliance Retail stores | reward points | 2.5%10 pts/₹100 × ₹0.25 | — |
| Dining | reward points | 1.25%5 pts/₹100 × ₹0.25 | ₹1,875one cap shared with Travel |
| Travel | reward points | 1.25%5 pts/₹100 × ₹0.25 | ₹1,875one cap shared with Dining |
| Other | reward points | 0.5%2 pts/₹100 × ₹0.25 | — |
Online Shopping: 20 Reward Points per Rs.100 (~5%) on AJIO & JioMart online stores. UPI payments on the RuPay variant drop to the base rate of 2 Reward Points per Rs.100 — they still earn, just not the accelerated rate · AJIO & JioMart
Groceries: 10 Reward Points per Rs.100 (~2.5%) at other participating Reliance Retail stores such as Smart, Digital & Trends. UPI payments on the RuPay variant drop to the base rate of 2 Reward Points per Rs.100 · Reliance Retail stores
Dining: 5 Reward Points per Rs.100 (~1.25%) on dining, movies, entertainment and domestic airlines, capped at 7,500 points a statement cycle across all four. International spends earn the same rate under a SEPARATE, independent 7,500-point cap
Travel: 5 Reward Points per Rs.100 (~1.25%) on domestic airline and international travel spends, capped at 7,500 points a statement cycle — the domestic side shares the 7,500 ceiling with dining, movies and entertainment
Other: 2 Reward Points per Rs.100 (~0.5%) on other retail purchases; fuel, property rental and wallet loads earn nothing. 1 RP = Rs.0.25
Earns nothing on: Fuel · Wallet Loads · Rent · Government & Tax · EMI Conversions · Cash Advances
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹3,539 |
| Joining fee (incl. 18% GST) | ₹3,539 |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹20,950/yr in total.
8 domestic lounge visits a year (2 per quarter) plus complimentary Priority Pass membership with 4 international lounge visits a year (2 per quarter)
1 free movie ticket per month up to Rs.250 via BookMyShow (one transaction per month; convenience fee applies)
Reliance Retail vouchers worth up to Rs.8,750 across annual spend milestones — Rs.1,500 at Rs.75,000, Rs.2,250 at Rs.1.5 lakh and Rs.5,000 at Rs.3 lakh
1% fuel surcharge waiver on transactions between Rs.500 and Rs.4,000; max waiver Rs.100 per statement cycle
Spend milestone
- ₹3,00,000 a year₹8,750 of value
Should you get it?
- Best for: Committed AJIO, JioMart and Reliance Retail shoppers, Households spending Rs.3 lakh-plus a year within the Reliance ecosystem, Shoppers who also want lounge access and a monthly movie ticket
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (1.25% back; 5% only at AJIO & JioMart).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Up to 20 Reward Points per Rs.100 (~5%) on AJIO and JioMart, plus 10 (~2.5%) at Reliance Retail stores
- Domestic and international lounge access with complimentary Priority Pass membership
- Reliance Retail vouchers worth up to Rs.8,750 on Rs.3 lakh annual spend, plus a monthly free movie ticket
- Rs.2,999 fee reversed on Rs.3 lakh of annual spend
✕ Cons
- Reward Points value only Rs.0.25 each and redeem mainly into Reliance Retail vouchers
- Off-ecosystem spend earns just 2 RP per Rs.100 (~0.5%); fuel, rent and wallet loads earn nothing
- High Rs.2,999 fee makes it worthwhile only for committed Reliance Retail shoppers
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem Reward Points against Reliance Retail vouchers at Rs.0.25 per point
- 🎁Welcome and milestone vouchers are usable only at participating Reliance Retail stores
What your SBI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 60,000 pts/month from Apr 2026
Vouchers & merchandise
Reward Points are worth only ₹0.25 each and redeem mainly into Reliance Retail vouchers, so the high ₹2,999 fee is worthwhile only for committed Reliance Retail shoppers.
Frequently asked questions
How does the Reliance SBI Card PRIME earn rewards?
What is the fee and can it be waived?
What lounge access does it offer?
How do I redeem the Reward Points?
How has the Reliance SBI Card PRIME changed over time?
Has the Reliance SBI Card PRIME been devalued recently?
When did the Reliance SBI Card PRIME's fees last change?
How did the Reliance SBI Card PRIME change in 2025?
The bottom line
A well-built loyalty card wearing a premium badge. If you genuinely route ₹3 lakh-plus a year through AJIO, JioMart and Reliance Retail, the vouchers, accelerated points, lounge access and movie ticket make it a clear hold; if you don't, the ₹0.25 point value and Reliance-only redemption turn the ₹2,999 fee into money you won't earn back.
How this page was built
Counted from this card’s own record: 5 earn rules, 2 of them capped, 2 paid only at named merchants, the spends listed as earning nothing and 4 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the Reliance SBI Card PRIME are taken from SBI Card's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Reliance SBI Card PRIME
A ₹2,999 premium co-brand built for heavy Reliance Retail shoppers: up to 20 Reward Points per ₹100 (~5%) on AJIO and JioMart, Reliance vouchers worth up to ₹8,750 a year, lounge access and a monthly movie ticket. Genuinely rewarding if you live in the Reliance ecosystem — poor value if you don't.
Reliance SBI Card
A ₹499 entry co-brand for Reliance shoppers: 10 Reward Points per ₹100 (~2.5%) on AJIO and JioMart, up to ₹2,250 in annual Reliance vouchers, and a fee that reverses at ₹1 lakh. A sensible low-cost pick if you already shop at Reliance — but points are worth just ₹0.25 and redeem only into Reliance vouchers.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2023 · last change Nov 2025
2025
- ▼ FeeEffective 1 Nov 2025
System-wide fee revision — 1% on third-party education payments and large wallet loads
From 1 Nov 2025 SBI Card added a 1% fee on education-fee payments made through third-party apps/aggregators (direct school, college and campus-POS payments stay free) and a 1% fee on digital-wallet loads above ₹1,000. It applies to Reliance SBI Card PRIME like every SBI card; wallet loads on this card already earn no Reward Points, so the change is a cost, not a reward cut.
Verification: SBI Card ↗ · Confidence: High
- ▲ RewardEffective 1 Oct 2025
AJIO & JioMart earn rate doubled
10 RP per ₹100 (~2.5%)→20 RP per ₹100 (~5%)
From 1 October 2025 SBI Card doubled the accelerated earn on AJIO and JioMart across the Reliance co-brand. The Reliance SBI Card PRIME went from 10 to 20 Reward Points per ₹100 (~2.5% to ~5% at ₹0.25/point), excluding UPI payments. This is the card's current headline benefit and reconciles to our live catalogue rate of 20 RP per ₹100.
Verification: SBI Card ↗ · Confidence: High
2024
- ▼ FeeEffective 15 Mar 2024
Minimum Amount Due (MAD) calculation revised
From 15 Mar 2024 SBI Card revised the portfolio-wide Minimum Amount Due formula to 100% of GST + EMI + fees/charges plus 5% of (finance charge + retail spends + cash advance) + overlimit, and where 5% falls short of the finance charge the MAD becomes 100% of finance charges. It does not change the total owed but raises the minimum payable, so it hits Reliance SBI Card PRIME holders who revolve a balance; it does not touch rewards.
Verification: SBI Card ↗ · Confidence: High
2023
- ◆ LaunchEffective 31 Oct 2023
Reliance SBI Card PRIME launched as SBI Card–Reliance Retail co-brand
On 31 Oct 2023 SBI Card and Reliance Retail rolled out the Reliance SBI Card in two variants; PRIME was the ₹2,999 premium tier. It launched earning 10 Reward Points per ₹100 on AJIO and JioMart, 10 at other Reliance Retail stores, 5 on dining, movies, domestic airlines and international spends and 2 on other retail (1 RP = ₹0.25, redeemed into Reliance Retail vouchers), with a ₹3,000 welcome voucher, up to ₹8,750 in milestone vouchers, 8 domestic + 4 international (Priority Pass) lounge visits, a monthly BookMyShow ticket and a ₹3 lakh renewal-fee-waiver threshold.
Verification: SBI Card ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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