Reliance SBI Card

By: Our Money Guide || Last updated on: November 14, 2025

Reliance SBI Card is a co-brand card launched by SBI Card, in partnership with Reliance Retail.

It is a good card for regular shoppers at various Reliance Retail outlets – you can earn upto 5.3% on Reliance Retail spends. You also get special discounts up to 5%, at participating Reliance Retail Stores.

Detailed Review

Features & Benefits of the Reliance SBI Card

Up to 5.3% reward at participating Reliance Retail Stores

• 2.50% reward on AJIO & JioMart Online Stores, 1.25% reward on other Reliance stores 
• Up to 2.8% additional reward based on annual card spends at  Reliance stores  

▶︎ AJIO & JioMart Online Stores (2.50% Reward): 10 reward points worth ₹2.50, on every ₹100 spent

▶︎ Other Reliance Stores (1.25% Reward): 5 reward points worth ₹1.25, on every ₹100 spent

Redeeming Reward Points

• 1 reward point = ₹0.25 or 25 paise. 
• Reward points can be converted to Reliance Retail vouchers,  vouchers can be redeemed at the following Reliance Stores.

▶︎ Up to 2.8% additional reward, based on annual card spends at Reliance Stores

Participating Reliance Stores include-

• Fashion : Ajio, Trends, Trends Footwear, Trends Man, Trends Woman, Trends Junior, Centro, Zivame, Centro Footwear
• Grocery : Smart Bazaar, Smart Point, Smart, Metro, Bismi Hypermart, Milkbasket, Freshpik
• Consumer electronics : Reliance Digital, JioMart Digital, MyJio stores, Jio Point, Bismi Connect
• Consumer marketplace : JioMart
• Home and living : Urban Ladder, Portico
• Pharma : Netmeds Pharmacy, NetMeds.com
• For latest list, click here

Upto 5% special discounts at participating Reliance Stores

• You get up to 5% discount at various Reliance Retail Stores.
• Please click here for details.

1.25% reward on dining and movie spends

• 5 reward points worth ₹1.25, on every ₹100 spent 
• 1 reward point = ₹0.25 or 25 paise. 
• You can convert your reward points to Reliance Retail vouchers.

0.25% reward on all other card spends

• 1 reward points worth ₹0.25 (25 paise), on every ₹100 you spend on all other spends.
• 1 reward point = ₹0.25 or 25 paise. 
• You can convert your reward points to Reliance Retail vouchers.

Exceptions: No reward points are given on following card spends – fuel, property rental, wallet upload.

Fuel surcharge waiver, up to ₹100 per month

• You get a 1% fuel surcharge waiver at all fuel stations across India, only on fuel purchases between ₹500 and ₹4000. 
• And only on fuel purchases up to ₹10,000 per month (since the waiver amount is capped at ₹100 per monthly card statement cycle)

3 lifetime-free add-on cards

• You can get add-on cards for your parents, spouse, children or siblings above the age of 18 years. 
• For more details, and important terms and conditions, please click here.

Conclusion

Reliance SBI Card can be a good entry-level card for regular Reliance store shoppers, especially for offline rewards, since most entry-level cards offer better rewards only on online spending. 

For online rewards without merchant restrictions, you can consider cards like the SBI Cashback Card and the HDFC Swiggy Credit Card. More details here.