Reliance SBI Card: Features & Benefits

Summary

Reliance SBI Card is a well-planned co-branded credit card that is offered to customers buying frequently at Reliance Retail outlets mainly. It combines shopping rewards and lifestyle needs, and thus turns out to be a valuable financial product for the customers.

For the first point, the card offers attractive welcome benefits. The cardholders receive Reliance Retail vouchers worth ₹500 against payment of joining fee, along with other discount vouchers for ₹3,200. With this benefit, the users save money from the very first transaction.

Besides, the card pays you back as you shop. Card members earn 5 reward points for each ₹100 spent at Reliance Retail Outlets, dining, and on movies. On any other retail purchases, 1 point for each ₹100 is earned. These points can be redeemed for various exciting offers, thus maximizing your overall savings.

Additionally, the card has milestone benefits—up to ₹1,000 vouchers can be accumulated annually based on spend. Furthermore, when the annual spend crosses ₹1 lakh, the renewal fee is waived, promoting repeat usage.

Introduction

With modern life moving at a fast pace, credit cards have moved beyond being a payment mode—they offer convenience, rewards, and VIP benefits that enhance your lifestyle. From among the dozens of credit cards available in India, the Reliance SBI Card takes the lead for its strong offering of shopping, travel, and entertainment benefits. This co-branded card is the result of a strategic partnership between State Bank of India (SBI) and Reliance Retail, two of India’s most reliable names.

To begin with, the Reliance SBI Card enjoys luxury lifestyle benefits that appeal to both regular and heavy buyers. Whether you buy often from Reliance stores, buy travel tickets, or go to the cinema, this card adds value to every transaction you make. What is unique about this card is its value-back feature—you earn reward points on almost every purchase, and you can redeem the points with ease for exciting gifts or vouchers.

Aside from this, the card provides welcome benefits that leave a long-lasting impression. Whether it’s five vouchers or milestone benefits, you’re greeted with good offers from day one. With every milestone spent in the long term, you earn bonus reward points or exclusive gifts, so every use of your card is more rewarding.

Apart from rewards and discounts, Reliance SBI Card also includes lifestyle and travel benefits. Free entry to airport lounges within the country is offered to the cardholders, making air travel not only convenient but also stylish. The card has contactless payment technology as well, making it possible for you to make secure and quick payments in shopping stores. This facility comes in handy, especially during hectic shopping seasons or during travel.

What is the Reliance SBI Card?

Reliance SBI Card is a special type of credit card launched via a partnership between Reliance Retail and SBI Card. It has been designed to offer extra benefits to those who shop regularly in Reliance outlets like Reliance Smart, Reliance Trends, Reliance Digital, and more. Not only is this card convenient to shop with, but it also provides reward points, special discounts, and high-end lifestyle privileges.

Additionally, it’s not only used on spends—visits to airport lounges, fuel surcharge waiver, and milestone rewards are provided as well, so it is right for day as well as travel spends. Additionally, it’s provided with contactless payment technology, so you can tap instead of entering the PIN for amounts less than a threshold, which implies that it is fast and secure as well.

How is the Reliance SBI Card designed?

The Reliance SBI Card has been specially crafted with a special intent of offering an intermix of lifestyle, fuel, and shopping advantages, targeting heavy spenders. First and foremost, this card is crafted with an eye to those who spend regularly at Reliance Retail retail outlets such as Reliance Trends, Reliance Smart, and Reliance Digital. You earn reward points as you purchase from these stores.

Also, the card offers welcome rewards like gift vouchers that you receive upon paying the joining fee. Also, you are rewarded with milestone rewards – that is, if you spend a specific amount within a year, you receive bonus rewards or vouchers.

What are the benefits of the Reliance SBI Card?

Here is a brief rundown of its major advantages:

Welcome Benefits

• On payment of membership fees, get a Reliance Retail voucher worth ₹500.

• Also, get discount vouchers of ₹3,200 usable at select participating Reliance Retail Stores.

Milestone Rewards

• Earn spends of ₹75,000, ₹1.5 lakh, and ₹3 lakh at participating Reliance Retail Stores and get vouchers of ₹1,500, ₹2,250, and ₹5,000 accordingly.

• Receive a renewal fee waiver if your previous year’s spending is ₹1 lakh.

Reward Points

• Earn 10 reward points for each ₹100 spent at Reliance Retail Stores, which are part of the program.

• Earn 5 reward points for each ₹100 spent on dining, movies, entertainment, domestic airlines, and international spends.

• Earn 2 reward points for each ₹100 spent on other retail transactions (except fuel, property rent, and wallet upload).

• One reward point is equivalent to ₹0.25.

Entertainment Perks

• Exchange one free movie ticket every month, worth up to ₹250.

Fuel Surcharge Waiver

• Earn a 1% fuel surcharge refund of ₹500 to ₹4,000 at all petrol pumps in India with a maximum refund of ₹100 per statement cycle.

Exclusive Discounts:

Get discounts on certain Reliance Retail brands:

• Reliance Trends: 10% discount up to ₹750 per month.

• AJIO: 5% cashback on transactions of ₹2,999 and more per month.

• Zivame: 5% cashback on ₹100 per month.

• Azorte: 10% cashback on transactions over ₹7,000 per month.

• Reliance Jewels: 2% discount on gold making charges and 2% on diamond bill value twice a month.

• Urban Ladder: 5% cashback on ₹750 per transaction.

• Coverstory: 10% cashback up to ₹1,000 per month.

What are the fees for the Reliance SBI Card?

Here is a simple breakdown of the  Reliance SBI Card fees.

Joining Fee	Rs. 499 + GST
Annual Fee	Rs. 499 + GST
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.5% per month (42% annually) charge is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a Reliance SBI Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a Reliance SBI Card?

The documents that you will have to submit to get a Reliance SBI Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Reliance SBI Card be used?

Here is the list of places where you can use it:

• With the Reliance SBI Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  Reliance SBI Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The  Reliance SBI Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Reliance SBI Card?

The credit amount you can spend is what you are provided to you with a Reliance SBI Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a Reliance SBI Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the SBI Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by SBI Bank; for instance, you can choose the  Reliance SBI Card.

• Just hover your cursor on the  Reliance SBI Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest SBI Bank branch to apply for the  Reliance SBI Card.

• Request for the credit card application form of the  Reliance SBI Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  Reliance SBI Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the SBI Bank Card website, mobile app, or by calling their customer service.

• You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting a Reliance SBI Card in 2025 be right?

Yes, getting a Reliance SBI Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

SBI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

Simply put, the Reliance SBI Card is a thoughtful credit card that offers several benefits to frequent shoppers of Reliance Retail outlets and individuals who would appreciate getting more value out of their spending. From high-value welcome offers to reward points on each purchase, this card rewards your frequent spends rewarding. In addition, it also provides you with exclusive offers in stores such as Reliance-owned stores like AJIO, Trends, Reliance Digital, among others, whereby you will make some savings during the purchase of fashion, electronic products, groceries, and more.

Also, the card is not only used for shopping. It is even a travel and lifestyle rewards card, such as complimentary access to airport lounges, so it’s ideal for frequent travelers. Also, rewards such as fuel surcharge rebates, milestone rewards, and anniversary fee waivers make it even ideal for individuals who need to maximize their use of credit cards.

Not only that, the Reliance SBI Card is also filled with features such as contactless payment and EMI conversion, offering users extra convenience and ease when it comes to handling finances. Be it shopping for groceries or booking flights, or paying utility bills, this card has you earning rewards and saving money in the process.

Frequently Asked Questions (FAQ’s)