Reliance SBI Card
Fees
₹499 + Taxes
Joining & annual
Reward 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
No Lounge Access
Our Expert Take
The Reliance SBI Card from SBI Card offers Budget Reliance Retail Shopping with an annual fee of ₹499 + Taxes.
Where this card earns most
Paying directly in the app or site · 0.25% on other spends
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
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
Spend milestone
Annual fee waived on ₹1 Lakh annual retail spends
Fees & Charges
Joining fee
₹499 + Taxes
Annual fee
₹499 + Taxes
Annual fee waived on ₹1 Lakh annual retail spends
Interest rate
Up to 3.75% per month (45% per annum)
Late payment fee
Nil up to ₹100; ₹100 for ₹101-₹500; ₹500 for ₹501-₹1,000; ₹750 for ₹1,001-₹10,000; ₹950 for ₹10,001-₹25,000; ₹1,100 for ₹25,001-₹50,000; ₹1,300 above ₹50,000
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
Credit score & income
Good (730+)
Frequently Asked Questions
What's the value-back on the standard Reliance SBI Card?
Does the Reliance SBI Card offer lounge access?
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 |