Reliance SBI Card
Fees
₹499 + Taxes
Joining & AnnualReward Rate
2.5% value-back on Reliance Retail brands; 1.25% base rate on other spends
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge Access
No Lounge Access
FindMyCard Expert Take
The Reliance SBI Card from SBI Card offers Budget Reliance Retail Shopping with an annual fee of ₹499 + Taxes.
Pros & Cons
Key Advantages
- 2.5% value-back on Reliance Retail, AJIO, Trends & JioMart purchases
- Low ₹499 fee with an easily reachable ₹1 Lakh waiver threshold
- 1.25% base reward rate, above SBI's typical entry-card floor
- Fee waiver threshold (Annual fee waived on ₹1 Lakh annual retail spends)
Limitations
- No airport lounge access, unlike the Prime variant
- Reward value is concentrated in Reliance-owned retail brands
- Fewer milestone benefits compared to Reliance SBI Card PRIME
Editorial Verdict
The Reliance SBI Card is ideally suited for budget reliance retail shopping. If you want 2.5% value-back on reliance retail brands; 1.25% base rate on other spends, this card delivers real value. The ₹499 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated earn rate on rewards purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Annual fee waived on ₹1 Lakh annual retail spends
Fees & Charging Rates
Annual Fee Waivers
₹499 + Taxes
💡 Annual fee waived on ₹1 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Compare Reliance SBI Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Reliance SBI Card This Card | ₹499 + Taxes | 2.5% value-back on Reliance Retail brands; 1.25% base rate on other spends | No Lounge Access | 4.1/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |