Reliance SBI Card
SBI Card · RuPay · Entry card
A low-fee co-brand choice for Reliance shoppers with additional value on dining and movies.
Regular AJIO, JioMart and Reliance Retail shoppers seeking an entry-level RuPay card.
Terms checked 24 Sept 2026
- Annual fee
- ₹499 + GST
- Joining fee
- ₹499 + GST
- Base reward rate
- 0.3%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 0.3% AJIO and JioMart only |
| Groceries & essentials | 0.3% |
| Dining & delivery | 0.3% |
| Travel & hotels | 0.3% |
| Bills & utilities | 0.3% |
| Beauty & wellness | 0.3% |
| Entertainment & movies | 0.3% |
| Education & family | 0.3% |
| Healthcare & pharmacy | 0.3% |
| Subscriptions & streaming | 0.3% |
| Offline store shopping | 0.3% |
| International spending | 0.3% |
| Gold & jewellery | 0.3% |
| Insurance premiums | 0.3% |
| Other miscellaneous | 0.3% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹1,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
No complimentary airport lounge access recorded
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 7 items
AJIO and JioMart points
Usage-based valueTen points per ₹100 only at eligible AJIO and JioMart online stores when paid by card.
Conditions: Ten points per ₹100 only at eligible AJIO and JioMart online stores when paid by card.
Participating Reliance store points
Usage-based valueFive points per ₹100 only at Reliance Retail MIDs or TIDs supplied to SBI Card and paid by card.
Conditions: Five points per ₹100 only at Reliance Retail MIDs or TIDs supplied to SBI Card and paid by card.
Participating Reliance store UPI points
Usage-based valueRuPay UPI at participating Reliance stores earns one point per ₹100, not the card-payment accelerator.
Conditions: RuPay UPI at participating Reliance stores earns one point per ₹100, not the card-payment accelerator.
Dining and movie incremental points
Usage-based valueFour incremental points per ₹100 at the published dining and movie MCCs; the ordinary one point continues after the bonus cap.
Conditions: Four incremental points per ₹100 at the published dining and movie MCCs; the ordinary one point continues after the bonus cap.
Government-payment exclusion
Usage-based valueGovernment transactions at the published MCCs earn no points.
Conditions: Government transactions at the published MCCs earn no points.
Other eligible retail points
Usage-based valueOne point per ₹100 on other eligible retail purchases.
Dining and movie bonus retains base rewards after its statement cap
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹499₹499 annual fee before applicable tax.
Joining fee
Cost ₹499₹499 one-time joining fee before applicable tax.
Fee waiver · 2 items
Annual fee waiver
Usage-based · up to ₹499Annual fee may be waived after ₹1,00,000 of eligible annual spending.
Conditions: Reach ₹1,00,000 eligible annual spending
₹499 renewal fee waived at ₹1 lakh eligible annual spend
Shown without a cash value
Welcome benefits · 2 items
₹500 Reliance Retail voucher
Recorded value ₹500Fixed-face-value Reliance Retail welcome voucher.
Conditions: Pay the applicable ₹499 joining fee · Voucher validity, eligible-product and single-use terms apply
Reliance discount voucher package
Shown without a cash valueIssuer-advertised discounts with face value up to ₹3,200; no guaranteed cash value is assigned.
Conditions: Pay the applicable joining fee · Each voucher retains merchant, minimum-spend, product and validity restrictions
Spend milestones · 3 items
₹500, ₹750 and ₹1,000 Reliance Retail milestone vouchers at ₹25,000, ₹50,000 and ₹80,000 of qualifying Reliance Retail spend respectively; not auto-valued from broad category spend
Shown without a cash valuePublished discount-voucher package has face value up to ₹3,200 but is not treated as cash
Shown without a cash value2.5% value in Reliance vouchers at AJIO and JioMart
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. SBI Card does not publish one universal numeric income threshold for Reliance SBI Card.
Other benefits · 2 items
1% fuel-surcharge waiver capped at ₹100 per statement cycle on eligible ₹500-₹4,000 fuel purchases
Shown without a cash value1.25% at participating Reliance stores when paid by card
Shown without a cash value
Other categories (10)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Airport lounge access
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Movies and entertainment
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Golf
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Fuel benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 2.5% value in Reliance vouchers at AJIO and JioMart
- ✓ 1.25% at participating Reliance stores when paid by card
- ✓ Dining and movie bonus retains base rewards after its statement cap
- ✓ ₹499 renewal fee waived at ₹1 lakh eligible annual spend
What to watch
Reliance rates require the exact participating merchant and payment rail. UPI at participating Reliance stores earns only the 0.25% base value, and milestone vouchers require Reliance Retail spend that the broad category model cannot safely infer.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Cash withdrawal · Balance transfer · Merchant emi · Flexipay · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 24 Sept 2026 · Latest recorded change effective 1 Oct 2025