State Bank of India
Reliance SBI Card PRIME
Data last verified: 11 October 2026
- Joining fee₹2,999 + GST
- Annual fee₹2,999 + GST
- Reward rate0.5% base, up to 1.25% on dining; 5% only at partner merchants
Takes you straight to the application. We earn a commission if you are approved, and you pay nothing extra.
- Joining fee₹2,999 + GST
- Annual fee₹2,999 + GST
- Fee waiverOn ₹3 lakh spend a year
- Forex markup3.5%
01Reliance SBI Card PRIME Rewards and Benefits
02Reliance SBI Card PRIME Annual Fee and Charges
- Joining fee
- ₹2,999 + GST
- Annual fee
- ₹2,999 + GST
- Spend-based waiver
- Annual fee waived on ₹3 lakh spend in a year (rent and wallet loads not counted)
- Rewards redemption fee
- Nil
- Forex markup
- 3.5%
- Interest rate
- Not published
- Fuel surcharge waiver
- Yes
- Card replacement
- Not published
03What It's Worth, in Rupees
If you spend ₹20,000 a month on this card:
- ₹5,000 on dining and food delivery, earning 1.25%₹63
- ₹15,000 on everything else, earning 0.5%₹75
- Back each month, ₹1,656 a year₹138
- Annual fee with 18% GST−₹3,539
- It costs you each year₹1,883
Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.
Good for
- 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
Skip it if…
- 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
04How Reliance SBI Card PRIME earns Rewards
0.5% base, up to 1.25% on dining; 5% only at partner merchants.
| Spend category | Rate | Monthly cap | Where it applies |
|---|---|---|---|
| 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 |
Terms on the base rate. 2 Reward Points per ₹100 (~0.5%) on other retail purchases; fuel, property rental and wallet loads earn nothing. 1 RP = ₹0.25
Point value. 1 point is worth about ₹0.25 at the bank's stated value.
05Reliance SBI Card PRIME Lounge Access and Travel
Domestic lounge access is 8 visits a year, international is 4 visits a year, through Priority Pass with Priority Pass. 8 domestic lounge visits a year (2 per quarter) plus complimentary Priority Pass membership with 4 international lounge visits a year (2 per quarter). Spending abroad carries a 3.5% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip
Also on the card. fuel surcharge waiver, airport lounge access, milestone bonuses, movie ticket offers.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000; max waiver ₹100 per statement cycle
- Milestone bonuses: Reliance Retail vouchers worth up to ₹8,750 across annual spend milestones, ₹1,500 at ₹75,000, ₹2,250 at ₹1.5 lakh and ₹5,000 at ₹3 lakh
- Movie ticket offers: 1 free movie ticket per month up to ₹250 via BookMyShow (one transaction per month; convenience fee applies)
06Reliance SBI Card PRIME Eligibility and Documents
- Employment
- Salaried or self-employed
Documents. PAN card Aadhaar / valid address proof Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph
07Recent Changes
What State Bank of India changed on this card recently. The facts on this page already reflect them.
| Date | Change | Before | Now |
|---|---|---|---|
| 1 Nov 2025 | Reduced: System-wide fee revision, 1% on third-party education payments and large wallet loadsSource: State Bank of India | - | - |
| 1 Oct 2025 | Changed: AJIO & JioMart earn rate doubledSource: State Bank of India | 10 RP per ₹100 (~2.5%) | 20 RP per ₹100 (~5%) |
| 15 Mar 2024 | Reduced: Minimum Amount Due (MAD) calculation revisedSource: State Bank of India | - | - |
| 31 Oct 2023 | Changed: Reliance SBI Card PRIME launched as SBI Card-Reliance Retail co-brandSource: State Bank of India | - | - |
See this card's change history → · All card changes in November 2025 →
08Cards Similar to Reliance SBI Card PRIME
Reliance SBI Card PRIME is a shopping card. The two below are the closest on SkyloFin; open any of them, or put them side by side.
| Feature | Reliance SBI Card PRIME |  HSBC Live Plus Credit Card |  SBI Cashback Credit Card |
|---|---|---|---|
| Joining fee | ₹2,999 + GST | ₹999 + GST | ₹999 + GST |
| Annual fee | ₹2,999 + GST | ₹999 + GST | ₹999 + GST |
| Rewards | 0.5% base, up to 1.25% on dining; 5% only at partner merchants | 1.5% base, up to 10% on dining | 1% base, up to 5% on online shopping |
| Domestic lounge | 8 visits a year | 2 visits a year | Not included |
| Forex markup | 3.5% | 1.99% | 3.5% |
| Type | Shopping | Dining | Shopping |
09Explore More
Card facts last verified 11 October 2026.
Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.
Never Miss Your Reliance SBI Card PRIME Bill
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Common Questions
What is the joining fee for the Reliance SBI Card PRIME?
The joining fee is ₹2,999 + GST. Check the bank's page before you apply, because fees change and promotional waivers come and go.
What is the annual fee for the Reliance SBI Card PRIME?
The annual fee is ₹2,999 + GST.
Does the Reliance SBI Card PRIME give airport lounge access?
Yes. Domestic lounge access is 8 visits a year, international is 4 visits a year, through Priority Pass with Priority Pass. Check the bank's page for the current rules, because lounge programmes change.
Does applying through SkyloFin cost more?
No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.
SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.
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