Reliance SBI Card PRIME
Fees
₹2,999 + Taxes
Joining & annual
Reward Rate
2.5% value-back on Reliance Retail brands (AJIO, Trends, JioMart); 0.5%-2.5% on other categories
Welcome Bonus
₹3,000 Reliance Retail e-gift voucher, fully offsetting the joining fee
Lounge
8 Domestic + 4 International/yr
Our Expert Take
The Reliance SBI Card PRIME from SBI Card offers Frequent Reliance Retail & Trends Shoppers with an annual fee of ₹2,999 + Taxes.
Where this card earns most
Paying directly in the app or site · 0.5% on other spends
Pros & Cons
Key Advantages
- Discount vouchers worth up to ₹11,999, including a ₹8,750 milestone voucher on ₹3 Lakh spends
- 8 domestic + 4 international lounge visits/year with no spend condition
- 1 complimentary BookMyShow movie ticket every month, worth ₹250
- Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)
Limitations
- Base reward rate outside Reliance brands is a modest 0.5%
- Fuel surcharge waiver capped at transactions between ₹500-₹4,000
- Best value depends on regular spending across Reliance-owned retail brands
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 ₹3 Lakh annual retail spends
Fees & Charges
Joining fee
₹2,999 + Taxes
Annual fee
₹2,999 + Taxes
Annual fee waived on ₹3 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 Reliance SBI Card PRIME?
How many lounge visits does Reliance SBI Card PRIME offer?
Compare Reliance SBI Card PRIME With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Reliance SBI Card PRIME This Card | ₹2,999 + Taxes | 2.5% value-back on Reliance Retail brands (AJIO, Trends, JioMart);... | 8 Domestic + 4 International/yr | 4.5/5 |
| 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 |