Reliance SBI Card PRIME Review: 5% on AJIO and JioMart, Vouchers Only

Reliance SBI Card PRIME earns 20 Reward Points per ₹100 on AJIO and JioMart and 10 at other participating Reliance Retail stores, which is 5% and 2.5% because 4 points make ₹1, but the points can only become Reliance Retail vouchers. It costs ₹2,999 plus GST, reversed on ₹3 lakh of yearly spends, with a ₹3,000 welcome voucher and lounge visits. Most other spends earn just 0.5%.

By Rashmi Mandana · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹2,999 + GST
Annual fee: ₹2,999 + GST. Spend Based Reversal on annual spends of Rs 3 Lakh (MITC: in the preceding year)
Base reward: 2 RP on every Rs. 100 spent on other retail purchases... (about 0.5% value)
Best category: AJIO and JioMart online stores: about 5% value
Lounge: Domestic: 2 complimentary domestic airport lounge visits every quarter in India; from 10 Jan 2026 only at lounges in SBI Card's 'Set B' list International: 4 complimentary international airport lounge visits a year (max 2 per quarter) via Priority Pass; membership complimentary
Forex markup: 3.5% of the amount
Network: Mastercard, RuPay

Apply on SBI Card's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

Worth it only if AJIO, JioMart and Reliance stores take a large share of your spending and you are happy to be paid in Reliance Retail vouchers.

Best for

Regular AJIO and JioMart shoppers
Families who shop at Reliance Retail stores and pay by card
Spenders who will cross ₹3 lakh a year for the fee reversal and the ₹8,750 vouchers

Skip it if

You want cashback or points you can use anywhere
Most of your spending is outside Reliance, where you earn 0.5%
You pay at Reliance stores by UPI, which earns 2 points per ₹100

Highlights

₹2,999 plus GST a year, reversed on ₹3 lakh of spends
20 points per ₹100 on AJIO and JioMart since 1 October 2025
4 points = ₹1, redeemable only for Reliance Retail vouchers
₹3,000 welcome voucher and ₹8,750 milestone vouchers
8 domestic and 4 international lounge visits a year

Reliance SBI Card PRIME at a glance

Reliance SBI Card PRIME is the higher of the two cards SBI Card issue with Reliance Retail, the group behind AJIO, JioMart and the Reliance stores; the basic Reliance SBI Card at ₹499 is not reviewed here. It is active, on Mastercard or RuPay, applications are open online, and the RuPay version work for UPI.

Start with the point value, because it change how every number reads. Four Reward Points are worth ₹1 and can only be redeemed for Reliance Retail vouchers. So 20 points per ₹100 on AJIO and JioMart is 5%, 10 points at other participating Reliance stores is 2.5%, 5 points on dining, movies, domestic flights and international spends is 1.25%, and the 2 points on everything else is only 0.5%.

What decides its value

Your Reliance share. If AJIO, JioMart and Reliance stores is a small part of your spending, the card earns 0.5% on most of it.
The vouchers. A ₹3,000 voucher for paying the joining fee, ₹11,999 of discount vouchers, and ₹8,750 of vouchers at ₹3 lakh a year.
Lounges. 2 domestic visits a quarter and 4 international visits a year, with no spend condition stated.

Changes from 2024 to 2026

1 April 2024: no points on rent.
Mid-2024: no points on government payments, from 15 June 2024 by the card's terms or 15 July 2024 by SBI Card's co-brand list.
1 October 2025: AJIO and JioMart raised to 20 points per ₹100.
10 January 2026: domestic visits only at lounges on SBI Card's Set B list, which name 30 lounges.

Fees and charges on Reliance SBI Card PRIME

The joining fee is ₹2,999 and the renewal fee is ₹2,999 every year, plus taxes. With 18% GST that's ₹539.82 more (₹2,999 times 18%), so ₹3,538.82 in all. Add-on cards are free. Paying the joining fee bring a ₹3,000 Reliance Retail voucher, which roughly covers the fee if you shop at Reliance anyway, plus ₹11,999 of discount vouchers from participating stores within 30 days. Discount vouchers are not cash; they only save money on what they covers.

Reaching the ₹3 lakh reversal

The renewal fee is reversed on ₹3 lakh of spends in the preceding year, ₹25,000 a month (₹3,00,000 divided by 12), and the same ₹3 lakh brings ₹8,750 of milestone vouchers. A family who shop on AJIO and JioMart and puts groceries and bills on this card can reach it, but someone using it for an odd AJIO order pays ₹3,538.82 a year for a 0.5% card.

Interest, late fees and cash

Interest is 3.75% a month, which is 45% a year, on any balance not cleared in full. Late fee slabs goes from nil (dues up to ₹100) to ₹1,300 (dues above ₹50,000), with ₹100 more each cycle after two missed minimums in a row. Cash withdrawals cost 2.5%, minimum ₹500, and draw interest from the day you withdraw.

Other charges

Forex: 3.5%, the same on rupee payments of ₹1,000 or more to overseas merchants, while international spends earn only 1.25%.
Rent ₹199 plus taxes per payment; utilities 1% when a cycle's total pass ₹50,000.
Wallet loads above ₹1,000 and education via third-party apps: 1% from 1 November 2025. Transport above ₹30,000 a transaction and fuel above ₹50,000 a cycle: 1% from 1 December 2026.
Fuel surcharge waiver: 1% on fills of ₹500 to ₹4,000, but only up to ₹100 a statement cycle.
Priority Pass visits beyond the free ones: up to USD 27 plus taxes each.

Reliance PRIME: fees and charges

Joining fee	₹2,999 + GST
Annual or renewal fee	₹2,999 + GST
Annual fee waiver	Spend Based Reversal on annual spends of Rs 3 Lakh (MITC: in the preceding year)
Add-on card fee	Nil
GST	Charged on top of the fees and charges listed
In the bank’s words	Annual Fee: Rs. 2999 + taxes; Renewal Fee (per annum): Rs. 2999 + taxes; Add-on Fee (per annum): Nil
Interest on unpaid balances	Up to 3.75% a month (45% a year)
Late payment fee	Nil up to Rs.100; Rs.100 (Rs.100-500); Rs.500 (Rs.500-1,000); Rs.750 (Rs.1,000-10,000); Rs.950 (Rs.10,000-25,000); Rs.1,100 (Rs.25,000-50,000); Rs.1,300 (above Rs.50,000) of outstanding amount due; plus Rs.100 additional if MAD is missed two consecutive cycles (continues each cycle until MAD is cleared). Taxes extra.
Cash withdrawal	2.5% of transaction amount, minimum Rs.500, at domestic and international ATMs; finance charges from the date of withdrawal (no free credit period); max Rs.15,000 cash per day at ATMs (MCC 6011), within cash limit.
Over-limit fee	2.5% of overlimit amount, minimum Rs.600, once per billing cycle; only if the cardholder has consented to over-limit use
Forex markup	3.5% of the amount
Other fees	Rent payments (MCC 6513): Rs.199 + taxes processing fee per transaction Utility payments (MCC 4900): 1% of total utility payments if they exceed Rs.50,000 in a billing cycle (since 1 Dec 2024) Education payments via third-party apps (CRED, Cheq, MobiKwik etc.): 1% of amount (since 1 Nov 2025); paying the school or college directly is free Wallet loads (MCC 6540, 6541): 1% of every load above Rs.1,000 (since 1 Nov 2025) Transportation (MCC 4111, 4784, 4131): 1% of every transaction above Rs.30,000 (from 1 Dec 2026) Fuel (MCC 5172, 5541, 5542, 5983): 1% of total fuel spends if they exceed Rs.50,000 in a billing cycle (from 1 Dec 2026) Dynamic currency conversion fee on INR transactions of Rs.1,000 or more at international locations or overseas-registered merchants: same rate as the card's forex markup Cash payment at SBI branch: Rs.250; cheque payment: Rs.200; payment dishonour: 2% of amount, minimum Rs.500 Card replacement: Rs.100 to Rs.250 (Rs.1,500 for AURUM) Reward redemption fee: Rs.99 on physical products, statement credit and physically sent vouchers (not on AURUM) Priority Pass lounge use beyond complimentary visits: up to USD 27 per visit + taxes Minimum finance charge Rs.25; interest-free period 20 to 50 days on retail purchases only if previous balance paid in full; 3-day grace period after due date

Points, vouchers and what three shoppers get

The earn table, valued at ₹0.25 a point:

AJIO and JioMart online: 20 points per ₹100, so 5%, except UPI payments; no cap stated.
Other participating Reliance Retail stores: 10 points per ₹100, 2.5%, no cap stated. Pay there by UPI on the RuPay card and you get only 2 points, 0.5%.
Dining, movies and entertainment, and domestic airlines, their flights to international destinations included: 5 points per ₹100, 1.25%, capped at 7,500 points a statement cycle.
International spends: 5 points per ₹100, under a separate 7,500-point cap.
Everything else: 2 points per ₹100, 0.5%.

The 7,500 cap is worth ₹1,875 (7,500 divided by 4) and needs ₹1,50,000 of dining, movie and flight spends in a cycle (7,500 divided by 5, times ₹100), so almost nobody reach it. No points on fuel, wallet loads, rent, government payments, merchant EMI and Flexipay, cash or balance transfers. Points last 24 months.

Points become Reliance Retail vouchers only, at 4 to ₹1; SBI Card publishes no other voucher value. The product terms states no redemption fee, and SBI Card's general ₹99 fee covers physical products, statement credit and vouchers sent physically. Each month there is one free BookMyShow ticket up to ₹250 on one transaction, convenience fee payable, so up to ₹3,000 a year (₹250 times 12). The ₹8,750 milestone line on the card page adds "at participating Reliance Retail Stores", so it may count only Reliance spends, and the examples show both readings.

Light shopper: ₹20,000 a month

₹4,000 on AJIO and JioMart earns 800 points, ₹3,000 at Reliance stores by card 300, ₹2,000 of dining and movies 100, ₹9,000 of other spends 180 and ₹2,000 of fuel nothing. That's 1,380 points a month, worth ₹345 (1,380 divided by 4), or ₹4,140 a year. ₹2,40,000 a year miss the reversal, so the ₹3,538.82 fee leaves just ₹601.18 (₹4,140 minus ₹3,538.82); a movie ticket every month would add up to ₹3,000.

Typical shopper: ₹40,000 a month

₹8,000 on AJIO and JioMart (1,600 points), ₹6,000 at Reliance stores by card (600), ₹3,000 at Reliance stores by UPI (60), ₹6,000 on dining, movies and flights (300), ₹15,000 elsewhere (300) and ₹2,000 of fuel (nil) give 2,860 points: ₹715 a month, ₹8,580 a year. ₹4,80,000 of yearly spends clears the reversal. The milestone is the open question. If every spend count, add ₹8,750 for ₹17,330; if only Reliance spends count, ₹17,000 a month (₹8,000 plus ₹6,000 plus ₹3,000) is ₹2,04,000 a year and falls short.

Heavy shopper: ₹80,000 a month

₹15,000 on AJIO and JioMart (3,000 points), ₹12,000 at Reliance stores (1,200), ₹20,000 on dining, movies and domestic flights (1,000), ₹5,000 abroad (250), ₹26,000 elsewhere (520) and ₹2,000 of fuel (nil) make 5,970 points, ₹1,492.50 a month or ₹17,910 a year. Reliance spends of ₹27,000 a month come to ₹3,24,000 a year, so the ₹8,750 milestone arrives on either reading, ₹26,660 in vouchers (₹17,910 plus ₹8,750), with the fee reversed. The ₹5,000 abroad cost ₹175 of markup (3.5%) against ₹62.50 of points earned on it.

Shopper	Monthly spend	Points value a year	Milestone vouchers	Fee from year two
Light	₹20,000	₹4,140	None	₹3,538.82
Typical	₹40,000	₹8,580	₹8,750 only if all spends count	Reversed
Heavy	₹80,000	₹17,910	₹8,750	Reversed

Reliance PRIME: higher-reward categories

Category	Rate	Cap
AJIO and JioMart online stores	20 Reward Points per Rs. 100 (except UPI payments), about 5% value	No cap stated
Other participating Reliance Retail stores	10 Reward Points per Rs. 100 (UPI payments on RuPay at these stores earn 2 RP per Rs. 100), about 2.5% value	No cap stated
Dining (MCC 5812, 5813, 5814), movies and entertainment (7832), domestic airlines (3020, 4511, 3193, 3056)	5 Reward Points per Rs. 100, about 1.25% value	Maximum Cap of 7,500 Reward Points/Statement Cycle, ₹7,500, statement cycle
International spends	5 Reward Points per Rs. 100, about 1.25% value	separate maximum cap of 7,500 Reward Points per statement cycle, ₹7,500, statement cycle

Reliance PRIME: how rewards work

Earned as	Reward Points (redeemable only for Reliance Retail vouchers)
Base rate	2 RP on every Rs. 100 spent on other retail purchases (except fuel, wallet upload and rent). About 0.5% value back
Minimum spend rules	Not published by the bank
No rewards on	Fuel (MCC 5172, 5541, 5542, 5983) e-Wallet loads (MCC 6540, 6541) Rent (MCC 6513) since 1 Apr 2024 Government payments (MCC 9399, 9311) Merchant EMI, Flexipay Balance transfer, cash advance, financial charges, disputed transactions
Lower rewards on	UPI payments at participating Reliance Retail stores earn only 2 RP per Rs. 100
Value of a point	Reliance Retail vouchers (only redemption option): 4 Reward Points = Rs. 1 (page: 1 Reward Point = Rs. 0.25)
Redemption fee	Not stated in product T&C; MITC Rs. 99 rule covers physical products, statement credit and physically sent vouchers
Expiry	24 months
Welcome benefits	Reliance Retail voucher worth Rs. 3,000 on payment of joining fee, plus discount vouchers worth Rs. 11,999 from participating Reliance Retail stores (delivered within 30 days)
Milestone benefits	Reliance Retail vouchers worth Rs. 8,750 on annual spends of Rs. 3 lakh Annual fee reversal on annual spends of Rs. 3 lakh
Lounge access	Domestic: 2 complimentary domestic airport lounge visits every quarter in India; from 10 Jan 2026 only at lounges in SBI Card's 'Set B' list International: 4 complimentary international airport lounge visits a year (max 2 per quarter) via Priority Pass; membership complimentary Condition: No spend condition stated
Fuel surcharge waiver	1% waiver on transactions between Rs. 500 and Rs. 4,000 at all petrol pumps in India; max Rs. 100 per statement cycle
Insurance cover	None listed on card page

Eligibility and applying for Reliance SBI Card PRIME

SBI Card's common age rules applies: 21 and over for salaried applicants, above 25 for the self-employed applying online, and above 40 for retired pensioners. For the upper age, the same listing page says 60 in one section and 70 in another. No income figure is published for this card. SBI Card wants a stable income and says the minimum differ by card, and its card finder shows Reliance PRIME under the "50 to 99K" monthly income filter, which is only for browsing.

Keep your PAN, an Aadhaar copy with the first 8 digits masked (or other government address proof) and, if asked, a salary slip or income tax return. Apply online from the card page, through the ILA chatbot, on 39 02 02 02 with the city STD code first, or at an SBI branch; you do not need an SBI account. Pick the RuPay variant if you will pay merchants by UPI, remembering that UPI at Reliance stores earns 2 points per ₹100 instead of 10.

SBI Card prefers a score between 750 and 900, a positive credit history and a home in a location it services. As an NBFC issuer it follows the RBI's 2025 card Directions for NBFCs, which require an independent look at your repayment capacity, a one-page Key Fact Statement and written reasons for any rejection. Reliance Retail, the co-brand partner, markets the card but have no say in approval.

Reliance PRIME: eligibility and documents

Age (salaried)	21 years or above (minimum). Maximum age stated as 60 years in one place and 70 years in another on SBI Card's listing page
Age (self-employed)	Above 25 years (minimum, for online application)
Income (salaried)	Stable income; SBI Card says the specific minimum varies by card and does not publish it for this card
Income (self-employed)	Stable income; minimum not published for this card
Other conditions	Positive credit history preferred; good credit score, preferably between 750 and 900; SBI banking relationship not mandatory; residence must be in a location serviced by SBI Card; retired pensioners above 40 can apply online. SBI Card's card finder files this card under monthly income '50 to 99K' - a browsing filter, not a stated eligibility minimum.
Documents	PAN card (for digital KYC) Copy of Aadhaar card with first 8 digits masked, or any valid government address proof (for digital KYC) Income documents such as salary slip or income tax return may be required, depending on card eligibility and SBI Card policy
How to apply	Online at sbicard.com (eApply; card pages carry an "Apply Now" link for cards sold online), through the chatbot ILA, by calling the SBI Card helpline 39 02 02 02 (prefix city STD code) or at the nearest SBI branch. Since 23 Sep 2026, SBI fixed-deposit holders can also apply for the secured "Advantage" variants (ELITE, PRIME, SimplyCLICK, SimplySAVE) on SBI's YONO app. Some co-brand cards (PhonePe, Google Pay Flex, Eternal) have no Apply button on sbicard.com.
Card customer care	1860 180 1290 / 1860 500 1290 / 39 02 02 02 (prefix local STD code) / 1800 180 1290 (toll free); AURUM: 1860 500 2000

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

Reliance PRIME against SBI Card PRIME and two shopping cards

SBI Card PRIME has the same ₹2,999 plus GST fee, the same ₹3 lakh reversal and the same Set B domestic lounges. It pays 10 points per ₹100 (2.5%) on dining, departmental stores, groceries and movies at any merchant, capped at 7,500 points a calendar month, and its points can go to statement credit, in multiples of 4,000 since 1 April 2026. Its welcome gift is a ₹3,000 e-gift voucher from brands such as Yatra, Bata and Pantaloons, and ₹5 lakh of yearly spends brings a ₹7,000 voucher.

The Tata Neu Infinity SBI Card costs ₹1,499 plus GST, also reversed at ₹3 lakh, and pays 5% as NeuCoins on Tata Neu and Tata brands with 1.5% on other spends, three times Reliance PRIME's 0.5%. Its forex is 1.99%, and domestic lounges need ₹75,000 of spends in the previous quarter.

The Flipkart SBI Card is the low-cost choice at ₹500 plus GST: 7.5% cashback on Myntra, 5% on Flipkart and 1% on most other spends, paid to the statement, with no lounges.

Which one to pick

Reliance PRIME if Reliance is where you shop most; SBI Card PRIME for the same fee with points that is not tied to one group; Tata Neu Infinity for Tata shoppers and trips abroad; Flipkart SBI for a cheap cashback card. More options are in our shopping cards guide, the SBI Card hub and the credit cards hub, and service numbers on the SBI customer care page.

Reliance PRIME against similar cards

Term	Reliance SBI Card PRIME This card	SBI Card PRIME	Tata Neu Infinity SBI Card	Flipkart SBI Card
Bank	SBI Card	SBI Card	SBI Card	SBI Card
Joining fee	₹2,999 + GST	₹2,999 + GST	₹1,499 + GST	₹500 + GST
Annual fee and waiver	₹2,999 + GST. Spend Based Reversal on annual spends of Rs 3 Lakh (MITC: in the preceding year)	₹2,999 + GST. Renewal fee waived on annual spends of Rs. 3 lakhs (MITC: in the preceding year)	₹1,499 + GST. Annual Fee reversal on annual spends of 3 lakhs or more (net retail spends in the 365 days before the fee date)	₹500 + GST. Renewal Fee is reversed if annual spends for last year >= Rs. 3,50,000
Base reward	2 RP on every Rs. 100 spent on other retail purchases... (about 0.5% value)	2 Reward Points per Rs. 100 on all other retail spends, except fuel (about 0.5% value)	1.5% Value Back as NeuCoins on other spends, including UPI transactions... (about 1.5% value)	1% Unlimited Cashback on all other eligible spends (about 1% value)
Best category	AJIO and JioMart online stores: about 5% value	Birthday spends: about 5% value	Non-EMI spends on Tata Neu app/website and partner Tata brands: about 5% value	Myntra: about 7.5% value
Lounges	Domestic: 2 complimentary domestic airport lounge visits every quarter in India; from 10 Jan 2026 only at lounges in SBI Card's 'Set B' list International: 4 complimentary international airport lounge visits a year (max 2 per quarter) via Priority Pass; membership complimentary	Domestic: 8 complimentary domestic airport lounge visits a year (max 2 per quarter); from 10 Jan 2026 only at the lounges in SBI Card's 'Set B' list International: 4 complimentary Priority Pass lounge visits per calendar year outside India (max 2 per quarter); Priority Pass membership complimentary	Domestic: 8 domestic airport lounge accesses a year (2 per quarter) International: 4 complimentary international airport lounge accesses a year (1 per quarter) via Priority Pass; membership valid 2 years	Domestic: None listed International: None listed
Forex markup	3.5% of the amount	3.5% of the amount	1.99% of the amount	3.5% of the amount
Network	Mastercard, RuPay	Visa, Mastercard, American Express, RuPay	Visa, RuPay	Visa, Mastercard
Published minimum income	Stable income; SBI Card says the specific minimum varies by card and does not...	Stable income; SBI Card says the specific minimum varies by card and does not...	Stable income; SBI Card says the specific minimum varies by card and does not...	Stable income; SBI Card says the specific minimum varies by card and does not...
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

What is the annual fee on Reliance SBI Card PRIME?

It is ₹2,999 a year, joining and renewal, plus GST, which makes ₹3,538.82 at 18%. Paying the joining fee brings a ₹3,000 Reliance Retail voucher and ₹11,999 of discount vouchers. From the second year the renewal fee is reversed if you spent ₹3 lakh or more in the preceding year, about ₹25,000 a month.

How much is a Reliance SBI Card PRIME reward point worth?

Four points are worth ₹1, so one point is ₹0.25, and points can be redeemed only for Reliance Retail vouchers. That makes 20 points per ₹100 on AJIO and JioMart a 5% return, 10 points at other Reliance stores 2.5% and 2 points on ordinary spends 0.5%. Points stay valid for 24 months.

What is the eligibility for Reliance SBI Card PRIME?

SBI Card takes salaried applicants from age 21, and online applications from self-employed people above 25 and retired pensioners above 40. Its eligibility page lists the maximum age once as 60 and once as 70. No minimum income is published; SBI Card asks for a stable income, prefers a 750 to 900 score and alone decides on approval.

Does Reliance SBI Card PRIME give airport lounge access?

Yes. You get 2 complimentary domestic lounge visits each quarter, since 10 January 2026 only at lounges on SBI Card's Set B list, and 4 international visits a year, at most 2 a quarter, with complimentary Priority Pass membership. SBI Card states no spend condition for these. Extra Priority Pass visits cost up to USD 27 plus taxes.

What changed on AJIO and JioMart rewards in 2025?

From 1 October 2025 SBI Card raised the earn on AJIO and JioMart online shopping to 20 Reward Points per ₹100 spent with this card, worth 5% at 4 points to ₹1. UPI payments are left out of that rate. Earlier changes ended points on rent from 1 April 2024 and on government payments in mid-2024.

Do UPI payments at Reliance stores earn full points?

No. Paying at participating Reliance Retail stores by UPI on the RuPay card earns 2 Reward Points per ₹100, which is 0.5%, against 10 points per ₹100 when you pay with the card itself. On a ₹5,000 bill that is 100 points worth ₹25, instead of 500 points worth ₹125.

Sources

SBI Cards and Payment Services Ltd: Most Important Terms & Conditions (PDF 'MITC- Common-30OCT26', Ver FY 27, 16); Reliance SBI Card PRIME T&C (E-Kit); Reliance SBI Card PRIME product page (page content served from SBI Card's card data file); SBI Card credit card listing (data feed behind the 'Credit Cards' listing page and card finder); List of SBI co-brand cards: no Reward Points on government transactions; SBI Card credit cards listing page, 'Get ready to apply' checklist (content file /templatedata/common/content-tab); SBI Card credit cards listing page, 'Get ready to apply' checklist; SBI Card credit cards listing page FAQ (content file /templatedata/common/faq); SBI Card credit cards listing page FAQ; SBI Card credit cards listing page, 'Documents Required'

Last verified: 5 November 2026

Written by Rashmi Mandana, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.