Reliance SBI Card PRIME

SBI Card · Open to apply

A premium Reliance Retail card: 20 points per ₹100 on AJIO and JioMart, 10 at other participating Reliance Retail stores, 5 on dining, movies, entertainment, domestic airlines and international spends (each group up to 7,500 points a statement) and 2 elsewhere. A point is worth ₹0.25 and redeems only into Reliance Retail vouchers. A ₹3,000 voucher on joining, domestic and Priority Pass lounge visits.

Annual fee
₹2,999 + GST a year
Joining fee
₹2,999 + GST
Fee waiver
Annual fee waived on ₹3,00,000 spend per card year
Base rate
2 points per ₹100 on other retail spends: 2 SBI Card Reward Points per ₹100 (about 0.5% at cash value)
Lounges
Domestic: 2 visits a calendar quarter; International: 4 visits a calendar year
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 20 points per ₹100 on AJIO and JioMart: 20 SBI Card Reward Points per ₹100 (about 5% at cash value)
  • 10 points per ₹100 at other participating Reliance Retail stores: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)
  • 5 points per ₹100 on dining, movies, entertainment and domestic airlines: 5 SBI Card Reward Points per ₹100 (about 1.25% at cash value)
  • 5 points per ₹100 on domestic airlines: 5 SBI Card Reward Points per ₹100 (about 1.25% at cash value)
  • 5 points per ₹100 on international spends: 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: ₹1,500 on annual spends of ₹75,000, ₹2,250 on ₹1.5 lakh and ₹5,000 on ₹3 lakh (₹8,750 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 ₹11,999 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.
  • Priority Pass guest fees and network privileges (Mastercard: Agoda, Apollo Pharmacy, Lalit Hotels; RuPay: MakeMyTrip, ZoomCar, Lifestyle) on the product page are partner offers with no stated terms and are not entered.

Sources

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