Reliance SBI Card PRIME
SBI Card · RuPay · Premium card
A broad premium co-brand bundle for Reliance households that can also use lounge and monthly movie value.
Higher-spend Reliance customers who travel, dine and watch movies regularly.
Terms checked 24 Sept 2026
- Annual fee
- ₹2,999 + GST
- Joining fee
- ₹2,999 + GST
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| International spending | 1.3% |
| Online shopping | 0.5% AJIO and JioMart only |
| Groceries & essentials | 0.5% |
| Dining & delivery | 0.5% |
| Travel & hotels | 0.5% |
| Bills & utilities | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| Gold & jewellery | 0.5% |
| Insurance premiums | 0.5% |
| Other miscellaneous | 0.5% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹3,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
8 domestic airport lounge visits per year • 4 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not available
4 international airport lounge visits per year · Priority Pass
Guest access: Chargeable
Complimentary visits apply only outside India and only to the primary cardholder.
Movies and entertainment
BookMyShow · 100% discount · up to ₹250 · 1 use/month
Availability: One eligible ticket up to ₹250 each calendar month under the current BookMyShow terms..
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 valueTwenty points per ₹100 only at eligible AJIO and JioMart online stores when paid by card.
Conditions: Twenty points per ₹100 only at eligible AJIO and JioMart online stores when paid by card.
Participating Reliance store points
Usage-based valueTen points per ₹100 only at Reliance Retail MIDs or TIDs supplied to SBI Card and paid by card.
Conditions: Ten 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 two points per ₹100, not the card-payment accelerator.
Conditions: RuPay UPI at participating Reliance stores earns two points per ₹100, not the card-payment accelerator.
Dining, movie and domestic-airline incremental points
Usage-based valueThree incremental points per ₹100 at the published dining, movie and domestic-airline MCCs; two base points continue after the bonus cap.
Conditions: Three incremental points per ₹100 at the published dining, movie and domestic-airline MCCs; two base points continue after the bonus cap.
International incremental points
Usage-based valueThree incremental points per ₹100 on eligible international spend; two base points continue after the separate international 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 valueTwo points per ₹100 on other eligible retail purchases.
Fees · 2 items
Annual card fee
Cost ₹2,999₹2,999 annual fee before applicable tax.
Joining fee
Cost ₹2,999₹2,999 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹2,999Annual fee may be waived after ₹3,00,000 of eligible annual spending.
Conditions: Reach ₹3,00,000 eligible annual spending
Welcome benefits · 2 items
₹3,000 Reliance Retail voucher
Recorded value ₹3,000Fixed-face-value Reliance Retail welcome voucher.
Conditions: Pay the applicable ₹2,999 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 ₹11,999; 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
₹1,500, ₹2,250 and ₹5,000 Reliance Retail milestone vouchers at ₹75,000, ₹1.5 lakh and ₹3 lakh 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 ₹11,999 but is not treated as cash
Shown without a cash value5% value in Reliance vouchers at AJIO and JioMart
Shown without a cash value
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not available.
International lounge access
Usage-based value4 visits per year through Priority Pass. Guest access: chargeable. Complimentary visits apply only outside India and only to the primary cardholder.
Movies and entertainment · 1 item
BookMyShow movie offer
Usage-based · up to ₹3,000100% discount up to ₹250, 1 time per month. One eligible ticket up to ₹250 each calendar month under the current BookMyShow terms.
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 PRIME.
Other benefits · 3 items
1% fuel-surcharge waiver capped at ₹100 per statement cycle on eligible ₹500-₹4,000 fuel purchases
Shown without a cash value2.5% at participating Reliance stores when paid by card
Shown without a cash valueSeparate statement caps preserve 0.5% base earn after lifestyle and international bonuses
Shown without a cash value
Other categories (8)
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 ↗Travel privileges
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 ↗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
- ✓ 5% value in Reliance vouchers at AJIO and JioMart
- ✓ 2.5% at participating Reliance stores when paid by card
- ✓ Separate statement caps preserve 0.5% base earn after lifestyle and international bonuses
- ✓ Eight domestic and four international lounge visits yearly
What to watch
The best rates require exact Reliance merchants or published MCCs. UPI at participating Reliance stores earns 0.5%, and Reliance-only milestone vouchers are not inferred from broad category totals.
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