Our Money Guide

Reliance SBI Card PRIME 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 approximately 5% on Reliance Retail spends, at ₹3 lakhs annual card spend at various Reliance Retail outlets. You also get special discounts upto 5%, at participating Reliance Retail Stores.

You also get good lifestyle benefits like complimentary access to airport lounges both in India (2 times per quarter) and abroad (4 times per year)

Reliance SBI PRIME Card

Brief Summary

Our Rating
4.50 / 5

Our View :

SBI Cashback Credit Card is one of the best cashback cards available in the marketplace. It offers 5% cashback on all online spends & purchases. But this card is not suitable for those who are not comfortable doing online transactions.

on SBI Card website

Reliance SBI Card PRIME

Special Benefits

5% on all online spends

Other Benefits

Minimum Income

Not specified

Annual Fee

₹ 999

Annual Fee Offers

Renewal fee waiver at ₹2 lakhs annual card spend

Pros and Cons of Reliance SBI Card PRIME

Pros

  • Good card for regular shoppers at various Reliance Retail outlets – you can earn over 5% on these spends if you utilise the milestone benefits also
  • You also get special discounts upto 10%, at participating Reliance Retail Stores
  • Complimentary access to airport lounges both in India (2 times per quarter) and abroad (4 times per year)

Cons

  • You may need to consider other credit cards to earn higher rewards on your non-Reliance Retail card spends

Features & Benefits of Reliance SBI Card PRIME

Upto 5.4% benefit on spends at participating Reliance Retail Stores
2.50% on all spends at participating Reliance Retail Stores
Upto 2.9% additional benefit, based on achieving specified annual card spends at participating Reliance Retail Stores

2.50% benefit at participating ‘Reliance Retail Stores’
– You earn 10 reward points worth ₹2.50, on every ₹100 you spend at participating ‘Reliance Retail Stores’ (except UPI payments).
– 1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

Upto 2.9% additional benefit, on achieving specified annual card spend levels at participating Reliance Retail Stores
1. You get ₹1500 Reliance Retail Voucher, at annual card spends of ₹75,000 at participating Reliance Retail Stores
2. You get ₹2250 Reliance Retail Voucher, on annual card spends of ₹1.50 lakhs at participating Reliance Retail Stores
3. You get ₹5000 Reliance Retail Voucher, on annual card spends of ₹3 lakhs at participating Reliance Retail Stores
So you could earn ₹8750, if you spend ₹3 lakhs annually at participating Reliance Retail Stores – 2.9% benefit.

For list of participating ‘Reliance Retail Stores’, please click here.

Special discounts upto 10%, at participating Reliance Retail Stores

You get upto 10% discount at various Reliance Retail Stores.

Please click here for details.

1.25% benefit on the following spend categories –  dining || movies & entertainment || domestic airlines || international spends

You earn 5 reward points worth ₹1.25, on every ₹100 you spend on these categories.

1 reward point = ₹0.25 or 25 paise. You can convert your reward points to Reliance Retail vouchers.

0.50% benefit on all other card spends

Complimentary international airport lounge access – 4 times per year (maximum 2 times per quarter)

You get free visits to international airport lounges, 4 times per calendar year (but maximum 2 times per quarter)

Complimentary domestic airport lounge access – 2 per quarter

For list of lounges, please click here.

Movie benefits at Book My Show, upto ₹3000 per year

You get 1 complimentary movie ticket a month, worth ₹250

Fuel surcharge waiver, upto ₹100 per month

SBI Card customer care

3 lifetime-free add-on cards

Reliance SBI Card PRIME Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹2999Welcome offers
– You get Reliance Retail voucher worth ₹3,000, on payment of joining fees. Please click here to know where this voucher can be redeemed.
– You also get additional discount vouchers worth ₹11,999, of various participating Reliance Retail Stores. For details, please click here.
Renewal fee from 2nd year onwards₹2999Renewal fee offer : Annual fee is not charged from the second year onwards, if you spend ₹3 lakh or more in the previous year.

Hence the card is virtually free , if you spend ₹3 lakh or more each year on your card.

Late payment fee

Please refer to the below table for details

Amount dueLate Fee
 Less than ₹500Nil
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 to ₹25,000₹950
₹25000 to ₹50000₹1100
Over ₹50000₹1300

Foreign currency transaction fee

3.50% of the transaction value.

Finance charges

3.50% per month (42% p.a.).

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – SBI Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the SBI Credit Card, there are certain basic criteria that all applicants must fulfil.

Minimum age21 years
Maximum age70 years
OccupationSalaried or self-employed
Minimum income requirementsNot specified. Should have a regular source of income
Other criteriaGood credit score, preferably above 750

Applying & Tracking Application Status

Step-by-step guide

Online application process The easiest way to apply is to click here – APPLY NOW , you shall be taken to the card application page on the SBI Card website. You can also visit the official website of SBI Card and fill out the application form.

Steps :
– Fill out the online application form – personal details like mobile phone number, emplyment, income, Aadhar / PAN number
– Click ‘Submit’ and you will receive an instant decision on the application basis the information provided
– If your application is approved, you will receive a call from SBI Card team for verification
– Post necessary verification, the card is issued to you

Virtual card : In addition to this, SBI Card team will send an SMS on your registered mobile number with a link to generate your e-card. With this e-card you can view your credit card details digitally, even before your physical card reaches you, and start shopping online instantly.
Offline (face to face)  application processYou can visit any of the nearest branches of SBI Card, and talk to an executive regarding the process.

Necessary documents and verification

Required documents   – PAN card

– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof

– Income documents – salary slip, income tax return etc. may be required depending upon the credit card eligibility & policy

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

Tracking your application status

Tracking credit card application status– You can track the status of your application on – ‘Track Application’ section. 

– Please click here – Home page (and see top section of the page section named – ‘Track your application’) OR
– Please click here – Eapply page (and see bottom of the page section named – ‘Track Credit Card Application’)
You need to enter some basic information (like application number/ reference number, name, mobile number), to see the status of your SBI Card application
Apply Now

on SBI Card website

Compare Products
Action Add Product
Image
Title
Price
Stock Status
Quantity
Add To Cart
Review
IndusInd Nexxt Credit Card
IndusInd Nexxt Credit Card
0 customer review
Yes Bank BYOC Credit Card
Yes Bank BYOC Credit Card
0 customer review
Air India SBI Platinum Card
Air India SBI Platinum Card
0 customer review
Air India SBI Signature Card
Air India SBI Signature Card
0 customer review
SBI Etihad Guest Card
Etihad Guest SBI Card
0 customer review
SBI Etihad Premier Card
Etihad Guest SBI Premier Card
0 customer review
SimplySAVE UPI SBI Card
SimplySAVE UPI SBI Card
0 customer review
Paytm SBI Card
Paytm SBI Card
0 customer review
Apollo SBI Card
Apollo SBI Credit Card
0 customer review
SBI Ola Card
OLA Money SBI Credit Card
0 customer review