INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official sbicard.com (SBI Cards and Payment Services Ltd.) Most Important Terms and Conditions (MITC).

🏛️State Bank of India (SBI Card)Network: Visa / RuPayShopping & Rewards CardsLast Verified: 2026-09-28

Reliance SBI Card PRIME

रिलायंस एसबीआई कार्ड प्राइम

Co-branded retail credit card offering ₹3,000 Reliance welcome voucher, 10X rewards on Smart/Trends/Digital, 8 domestic + 4 Priority Pass lounge visits, and ₹8,750 milestone perks.

Annual Fee₹2,999 + GST (Renewal: ₹2,999 + GST)

Reward Rate10 Reward Points per ₹100 spent at eligible Reliance Retail stores (Smart, Trends, Digital, Ajio, JioMart). 5 Reward Points per ₹100 on dining, movies, and entertainment. 2 Reward Points per ₹100 on other retail.

Airport Lounge8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter). 4 complimentary international airport lounge visits per year via Priority Pass.

Forex Markup3.50% + GST.

What Is This Card

Reliance SBI Card PRIME is a comprehensive retail shopping credit card created in partnership with Reliance Retail. Tailored for families and shoppers who frequent Reliance Smart Bazaar, Reliance Digital, Trends, and Ajio, it delivers 10X points across the Reliance ecosystem and domestic/international lounge access.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

₹2,999 + GST (Renewal: ₹2,999 + GST)

Fee Waiver: Spend ₹3,00,000 or more in the preceding membership year to get the annual renewal fee of ₹2,999 reversed.

🎁Welcome Benefit

Reliance Retail voucher worth ₹3,000 upon payment of joining fee + discount vouchers worth up to ₹11,999 across Reliance brands (Trends, Smart Bazaar, Ajio, Reliance Digital).

⚡Reward Points Structure

10 Reward Points per ₹100 spent at eligible Reliance Retail stores (Smart, Trends, Digital, Ajio, JioMart). 5 Reward Points per ₹100 on dining, movies, and entertainment. 2 Reward Points per ₹100 on other retail.

Redemption Value: 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). Redeemable for Reliance Retail vouchers or statement credit.

🛫Airport & Railway Lounge Access

8 complimentary domestic airport lounge visits per calendar year (max 2 visits per quarter). 4 complimentary international airport lounge visits per year via Priority Pass.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Air Accident Liability Cover of ₹50 Lakhs. Lost Card Liability cover up to ₹1 Lakh.

Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at all petrol pumps in India (maximum ₹250 per statement cycle).

🎯Milestone Spends & Grace Period

Milestones: Reliance Retail vouchers worth ₹1,500 on annual spend of ₹75,000; vouchers worth ₹3,000 on ₹1.5L; vouchers worth ₹4,250 on ₹3L spend (total ₹8,750 in milestone vouchers). Fee waiver on ₹3L spend.

Interest-Free Period: 20 to 50 days.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Annual fee of ₹2,999 requires ₹3 Lakhs spend to waive. Welcome discount vouchers have specific minimum spend conditions across each Reliance brand subsidiary. Standard 3.50% forex markup.

Forex Markup Fee3.50% + GST.

Cash Advance Fee2.5% of transaction amount or ₹500 (whichever is higher) + 3.50% per month.

Finance Charges (Interest)Up to 3.50% per month (42.00% per annum).

Late Payment SlabsNil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.

Reward Points ExpiryReward points expire 24 months from the date of accrual.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions, utility payments, wallet loads, rent payments, educational payments, and government transactions.

Eligibility Criteria

Salaried corporate employees and self-employed professionals aged 21 to 70 years.

Age Requirement21 to 70 Years

Minimum Income₹6,00,000 per annum (Salaried) / ₹8,00,000 per annum (Self-Employed ITR)

CIBIL Score NoteRecommended CIBIL score of 740+.

SBI RelationshipNot mandatory.

How to Apply (Official Procedure)

Online Digital Application Flow

1Visit sbicard.com/apply or open the YONO SBI app and select Reliance SBI Card PRIME.

2Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score).

3Fill online application form with personal, residence, and occupational details (takes 5–10 minutes).

4Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof).

5Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants).

6Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.

Branch Application for Offline Applicants

Available at any SBI branch or at customer desks within Reliance Digital and Smart Bazaar stores.

Visit Official Card Page (sbicard.com)Download Official MITC (PDF)

Documents Required

1. PAN Card

2. Aadhaar Card / Passport

3. Last 3 months' salary slips with bank statement OR Latest ITR.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Reliance SBI Card PRIME?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Reliance SBI Card PRIME into EMI?

Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Reliance SBI Card PRIME?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). Redeemable for Reliance Retail vouchers or statement credit. Please note: Reward points expire 24 months from the date of accrual.

What is the interest-free grace period on Reliance SBI Card PRIME and how does it work?

The interest-free period on Reliance SBI Card PRIME is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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