State Bank of India (SBI) has introduced two new credit cards by partnering with Reliance. The premium variant of the two cards is Reliance SBI Card PRIME that comes at a fee of Rs.2,999 plus GST annually. Packed with features and benefits, the Reliance SBI Card PRIME offers reward points, vouchers and discounts on shopping at any Reliance store across the country and on popular brands like Jio Mart, AJIO, and Zivame. Read on to know more about the multiple benefits, features, fees and eligibility criteria of the Reliance SBI Card PRIME.
The features of Reliance SBI Card PRIME are given in the table below:
Features | Details |
Contactless advantage | Simplifies the process of purchase by waiving the card, thereby ensuring fast, convenient and safe transaction by reducing the risk of card loss and fraud. |
Global acceptance | Acceptable in over 24 million outlets across the globe, including 3,25,000 outlets in India (any outlet that accepts Visa or MasterCard). |
Add-on card | Offers add-on cards to spouse, parents, children or siblings who are above 18 years of age. |
Utility bill payment facility | Offers Easy Bill Pay facility that allows customers to make payment for electricity, mobile, telephone and other utility bill payment. |
Balance transfer on EMI | Enables customer to transfer the outstanding balance to Reliance SBI credit card from of other banks’ credit cards in the form of EMI at a low interest rate. |
Cash on the go | Allows cash withdrawal from over one million MasterCard and Visa ATMs across the globe. |

The features and benefits of Reliance SBI Card Prime are as given below:
The fees and charges of Reliance SBI Card PRIME:
Types of fees | Charge |
Annual Fee | Rs.2,999 plus GST |
Renewal Fee | Rs.2,999 plus GST. Fee waived if annual spending for the last year is greater than or equal to Rs.3 lakh |
Add-on Fee | Nil |
Cash Advance Fee | 2.5% of the amount withdrawn or Rs.500 (Domestic and international ATMs). |
Finance Charges | 3.75% per month or 45% per annum |
Payment dishonor fee | 2% of the payment amount; minimum of Rs.450 |
Cash payment fee | Rs.199 to Rs.250 |
Late payment | From Rs.0 to Rs.500 - NilMore than Rs.500 up to Rs.1,000 - Rs.400More than Rs.1,000 up to Rs.10,000 - Rs.750More than Rs.10,000 up to Rs.25,000 - Rs.950More than Rs.25,000 up to Rs.50,000 - Rs.1,100More than Rs.50,000 - Rs.1,300. |
Cheque payment fee | Rs.100 |
Over limit fee | 2.5% of the over limit amount; minimum of Rs.600 |
Rewards redemption fee | Rs.99 |
Foreign currency transaction | 3.50% |
Card Replacement | Rs.100 to Rs.250 |
Discount Offers
The following table mentions the discount offers which can be availed only once:
Brand | Discounts |
Reliance Trends | Discount of 10% which is a maximum up to Rs.750 per month. |
Zivame | Discount of 5% which is a maximum up to Rs.100 per month. |
Ajio | Discount of 5% which is a maximum up to Rs.1000 per month on order above Rs.2,999. |
Azorte | Discount of 10% which is a maximum up to Rs.1000 per month on order above Rs.7000. |
Reliance jewels | Discount of 2% on making charges of gold and 2% on diamond invoice value which is twice per month. |
Urban Ladder | Discount of 5% which is a maximum up to Rs.750 per transaction. |
Coverstory | Discount of 10% which is a maximum up to Rs.1000 per month. |
Cashback Offers
Brand Name | Cashback | Maximum Cashback |
Jio Mart | 5% cashback | Rs.1,000 per month |
RelianceOne Offers
Brand Name | Offers |
Groceries | One Reliance Points on every Rs.200 spent |
Fashion Factory | Extra one Reliance Point on every Rs.200 spent |
Both online and offline modes are available for applying for the Reliance SBI Card PRIME.
Given below are the steps to apply for Reliance SBI Card PRIME through the online method:
For offline application, follow the steps given below:
Given below are the eligibility criteria to apply for the Reliance SBI Card PRIME:
Note: Contact the bank to know more details about the eligibility criteria, specifically about Reliance SBI Card PRIME.
You need to submit the copies of the following documents to apply for Reliance SBI Card PRIME:

Yes, Reliance SBI Card PRIME comes with a Flexipay facility.
Yes, Reliance SBI Card PRIME can be applied online.
You need to pay Rs.2,999 plus GST (Goods and Services Tax) annually for Reliance SBI Card PRIME.
You will receive RelianceOne point within 45 days of transaction.
The cashback on your Reliance SBI Card PRIME will get credited in your JioMart wallet within 90 days of the transaction which can be redeemed on eligible products sold by Reliance Retail on JioMart.
Yes, the RuPay variant of the Reliance SBI Card Prime gives you 2 reward points for every ₹100 spent, but only at participating Reliance Retail stores.
Yes, you earn accelerated rewards of 5 reward points for every Rs.100 spent on all domestic airlines. This includes the domestic leg of international flights.
The reward points accumulated with the Reliance SBI Card Prime can be redeemed for Reliance Retail Vouchers.

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