Reliance SBI Card
SBI Card · Open to apply
A Reliance Retail card: 10 points per ₹100 on AJIO and JioMart, 5 per ₹100 at other participating Reliance Retail stores and on dining and movies (dining and movies up to 5,000 points a statement), 1 elsewhere. A point is worth ₹0.25 and redeems only into Reliance Retail vouchers. Fuel, wallet, rent, government and EMI earn nothing; the ₹499 fee is reversed at ₹1 lakh a year.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹1,00,000 spend per card year
- Base rate
- 1 point per ₹100 on other retail spends: 1 SBI Card Reward Points per ₹100 (about 0.25% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10 points per ₹100 on AJIO and JioMart: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)
- 5 points per ₹100 at other participating Reliance Retail stores: 5 SBI Card Reward Points per ₹100 (about 1.25% at cash value)
- 5 points per ₹100 on dining and movies: 5 SBI Card Reward Points per ₹100 (about 1.25% at cash value)
Earns nothing on
- No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
- No points on wallet loads (MCCs 6540, 6541)
- No points on rent (MCC 6513)
- No points on government-related transactions (MCCs 9399, 9311)
- No points on Flexipay and Merchant EMI
- No points on cash advances
Where the sources disagree
- Date government-related spends stopped earning: The booklet says accrual stopped w.e.f. 15 June 2024; SBI Card's list of co-brand cards where points do not apply on government-related transactions (file modified 12 Jun 2024) says 15 July 2024. We use the booklet's date.
Terms the calculator does not value
- Milestone Reliance Retail vouchers on annual spends at participating Reliance Retail stores: ₹500 on annual spends of ₹25,000, ₹750 on ₹50,000 and ₹1,000 on ₹80,000 (₹2,250 in all). The thresholds count spend at Reliance Retail stores only, which no calculator category isolates, so they are not entered as milestones.
- "Additional discount vouchers worth ₹3,200 of various participating Reliance Retail Stores" delivered within 30 days of the joining fee. The product page links the terms (https://sbi-pvt.sbicard.com/sbi-card-en/assets/docs/pdf/Discount-Voucher.pdf), a link that returns a 404, so the voucher conditions and values are unknown and nothing is entered.
- Transaction offers at participating Reliance Retail stores (instant discounts of 5% at Reliance Trends, Ajio, Azorte, Zivame, Coverstory and Urban Ladder, 5% JioMart cashback, extra RelianceOne points) are in a separate document dated Dec 2024 for the ₹499 card; they are "subject to change" offers and are not entered.
- Accelerated points at Reliance Retail stores depend on merchant and terminal IDs Reliance Retail shares with SBI Card; until a store's ID is approved the points do not accrue. The calculator treats the merchants named in the earn rule as covered.
- Network privileges on the product page (RuPay: MakeMyTrip, ZoomCar, Lifestyle; Mastercard: Agoda, Apollo Pharmacy, Lalit Hotels) are partner offers with no stated terms and are not entered.
Sources
- SBI Card Key Fact Statement (PDF created 14 Oct 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions (PDF modified 30 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Reliance SBI Card product-page data file (fees, rewards, welcome, milestones, lounges, fuel waiver, FAQs) (Product page, the bank's own, read 6 Nov 2026)
- Reliance SBI Card Terms and Conditions booklet (PDF modified 12 Oct 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- Reliance SBI Card transaction offers (₹499 card, PDF dated 2 Dec 2024) (Reward terms, the bank's own, read 6 Nov 2026)
- All participating Reliance business formats (PDF dated 12 Dec 2023) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card customer notices page (1 Oct 2025 Ajio and JioMart notices; 10 Jan 2026 lounge notice) (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of co-brand credit cards where reward points do not apply on government-related transactions from 15 Jul 2024 (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card Domestic Airport Lounge Access Program notice, w.e.f. 10 Jan 2026 (Set A and Set B) (Bank notice, the bank's own, read 6 Nov 2026)