Is the Reliance SBI Card PRIME Worth It?
Enter what you spend where this card pays more, and the benefits you would use. See what it is worth to you in rupees, after its fee.
- 207Cards to check
- FreeCost
- Shopping card
- ₹3,539 fee a year (with GST)
- Fee waived from ₹25,000 a month
- 0.5% base, up to 1.25% on dining; 5% only at partner merchants
- 12 lounge visits a year
- Pays in reward points
- online shopping only at AJIO & JioMart: 5% back
- groceries only at Reliance Retail stores: 2.5% back
- spending ₹25,000 or more a month: the ₹3,539 fee is waived
- flyers: 12 airport lounge visits a year
- you spend less than ₹25,000 a month (₹3,00,000 a year, rent and wallet loads not counted): the ₹3,539 fee is then charged
- most of your spending is fuel, rent, wallet top-ups or government payments: those earn nothing on this card
- you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
- you rarely spend on AJIO & JioMart: the 5% rate applies only there, everything else earns 0.5%
- you often pay in foreign currency: 3.5% is added to every foreign spend
Your spend a month, by kind
Terms on the normal rate: 2 Reward Points per Rs.100 (~0.5%) on other retail purchases; fuel, property rental and wallet loads earn nothing. 1 RP = Rs.0.25
Total on the card: ₹0 a month
Abroad and benefits
Every rate on this card, and what your spend earns
| Spend category | Rate | Monthly cap | Where it applies | Your spend earns |
|---|---|---|---|---|
| UPI payments (scan and pay) | Earns nothing | - | a Visa or Mastercard card cannot pay by UPI | - |
| Online shopping | 0.5% | No cap | Anywhere else in the category | - |
| Online shopping, only at listed merchants | 5% | No cap | Only at: AJIO & JioMartTerms: 20 Reward Points per ₹100 (~5%) on AJIO & JioMart online stores. UPI payments on the RuPay variant drop to the base rate of 2 Reward Points per ₹100, they still earn, just not the accelerated rate | - |
| Dining and food delivery | 1.25% | ₹1,875 | All merchants in the categoryTerms: 5 Reward Points per ₹100 (~1.25%) on dining, movies, entertainment and domestic airlines, capped at 7,500 points a statement cycle across all four. International spends earn the same rate under a SEPARATE, independent 7,500-point cap | - |
| Groceries | 0.5% | No cap | Anywhere else in the category | - |
| Groceries, only at listed merchants | 2.5% | No cap | Only at: Reliance Retail storesTerms: 10 Reward Points per ₹100 (~2.5%) at other participating Reliance Retail stores such as Smart, Digital & Trends. UPI payments on the RuPay variant drop to the base rate of 2 Reward Points per ₹100 | - |
| Travel: flights, hotels, trains | 1.25% | ₹1,875, shared with other bonus rates | All merchants in the categoryTerms: 5 Reward Points per ₹100 (~1.25%) on domestic airline and international travel spends, capped at 7,500 points a statement cycle, the domestic side shares the 7,500 ceiling with dining, movies and entertainment | - |
| Fuel | Earns nothing | - | earns nothing on this card | - |
| Bills and recharges | 0.5% | No cap | The card's normal rate | - |
| Rent | Earns nothing | - | earns nothing on this card | - |
| Insurance premiums | 0.5% | No cap | The card's normal rate | - |
| School and college fees | 0.5% | No cap | The card's normal rate | - |
| Wallet top-ups | Earns nothing | - | earns nothing on this card | - |
| Taxes and government payments | Earns nothing | - | earns nothing on this card | - |
| Spend abroad or in a foreign currency | 0.5% | No cap | The card's normal rate | - |
| Everything else | 0.5% | No cap | The card's normal rate | - |
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Common Questions
When is a credit card worth its annual fee?
When the rewards you actually earn in a year are more than the fee plus 18% GST, or when you spend enough for the bank to waive the fee. This calculator works out both from the card's own published terms.
Why is GST added to the fee?
Card fees carry 18% GST, so a ₹1,000 fee costs ₹1,180. Where the bank already quotes the fee with GST, it is not added twice.
What does 'capped' mean?
Many cards limit the reward you can earn in a month in a category. Spending above the cap earns nothing extra, so the calculator stops counting there.
Is a lifetime free card always better?
Not always. A paid card with higher rewards can leave you with more once you spend enough. The break-even line shows the monthly spend where that starts.
Guides in Plain Words
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