Reliance SBI Card PRIME: Features & Benefits

Summary

Should you be shopping groceries at Reliance Smart, clothes at Trends, electronics from Reliance Digital, or else shopping online through AJIO, this card has the assurance for you to collect the maximum amount of rewards over your spending.

Besides the shopping rewards, the card is also loaded with lifestyle and travel benefits such as free lounge access that contributes more to your airport experience. Additionally, you can earn milestone benefits and even have an annual fee waiver if your annual spends are over ₹3 lakh. This also makes the card more rewarding the more you use it.

Other than that, the card also gives useful monetary benefits like fuel surcharge waiver and EMI conversion, thereby enabling smoother management of heavy spends. Also, with easy reward redemption options and accessibility to the SBI Card app, your reward tracking and redemption is highly hassle-free.

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 PRIME takes the lead for its strong offering of shopping, travel, and entertainment benefits.

To begin with, the Reliance SBI Card PRIME 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. 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 PRIME also includes lifestyle and travel benefits. 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 PRIME?

Reliance SBI Card PRIME 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.

How is the Reliance SBI Card PRIME designed?

Reliance SBI Card PRIME is specially designed to cater to the needs of modern-day shoppers and lifestyle enthusiasts. In addition, the card pays you back for every purchase, whether it is shopping, travel, dining, or gas.

Even better is its rewards scheme, under which you gain points on every transaction that can simply be cashed in subsequently. Additionally, the card also gives you premium benefits such as lounge access in airports, milestone reward, and yearly fee forgiveness based on how much you spend.

What are the benefits of the Reliance SBI Card PRIME?

Here is a brief overview of its major advantages:

Shopping & Rewards

Welcome Benefits: cardmembers get a Reliance Retail voucher of ₹3,000 on payment of the joining fee. Vouchers of discount of ₹11,999 are also provided for different Reliance Retail participating stores.

Reward Points:

• Get 10 reward points for each ₹100 spent at participating Reliance Retail stores.

• Get 5 reward points for ₹100 for dining, domestic airlines, cinema, entertainment, and international spends.

• Get 2 reward points for every ₹100 spent on other retail transactions.

Milestone Rewards:

• Spend ₹75,000, ₹1.5 lakh, and ₹3 lakh in a year at specific Reliance Retail stores to get Reliance Retail vouchers worth ₹1,500, ₹2,250, and ₹5,000, respectively.

• Spend ₹3 lakh in a year to make the renewal free.

Travel & Lifestyle

Airport Lounge Access:

• Get 8 free domestic airport lounge accesses in a calendar year (2 per quarter).

• Indulge in 4 free international airport lounge visits per calendar year (max 2 per quarter).

Fuel Surcharge Waiver:

• Get a 1% fuel surcharge waiver on spends between ₹500 to ₹4,000 at any Indian petrol pump with a max waiver of ₹100 per statement cycle.

More Perks

Entertainment:

• Cardmembers get one free movie ticket worth ₹250.

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 PRIME?

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

Joining Fee	Rs. 2,999 + GST
Annual Fee	Rs. 2,999 + 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 3.75% per month (45% 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 PRIME?

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 PRIME?

The documents that you will have to submit to get a Reliance SBI Card PRIME 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 PRIME be used?

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

• With the Reliance SBI Card PRIME, 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.

What is the credit limit of the Reliance SBI Card PRIME?

The credit amount you can spend is what you are provided to you with a Reliance SBI Card PRIME. 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.

How do you apply for a Reliance SBI Card PRIME?

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 PRIME.

• Just hover your cursor on the  Reliance SBI Card PRIME 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 PRIME.

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

• Fill in the details in the application form wherever it is required.

• 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 PRIME 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 PRIME in 2025 be right?

Yes, getting a Reliance SBI Card PRIME 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.

Conclusion

Simply put, the Reliance SBI Card PRIME 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.

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.

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)