Reliance SBI PRIME Credit Card
SBI Bank
Expert Rating
₹2,999
₹2,999
1.99%
12 visits/yr
Contents
Reliance SBI Card PRIME is a co-branded premium credit card offering strong rewards at Reliance Retail, useful dining and entertainment benefits, and complementary lounge access. It suits shoppers who spend heavily at Reliance stores and want milestone vouchers and lifestyle privileges. The card also supports contactless payments and Flexipay (EMI conversion).
Features of Reliance SBI PRIME Credit Card which makes it unique
Reliance Retail Privileges
Higher point accrual and exclusive vouchers redeemable at Reliance brands
Strong value for Reliance shoppers
Better co-branded retail value versus standard rewards cards
Milestone Vouchers
Periodic vouchers on achieving spend slabs
Tangible savings on repeat shopping
Useful for repeat Reliance shoppers
Rewards Structure of Reliance SBI PRIME Credit Card
Milestones of Reliance SBI PRIME Credit Card
Milestone 1
₹75,000 : Reliance Retail voucher worth ₹1,500
Milestone 2
₹150,000 : Reliance Retail voucher worth ₹2,250
Milestone 3
₹300,000 : Reliance Retail voucher worth ₹5,000
Fees & Charges of Reliance SBI PRIME Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived on ₹300,000 annual spend in card membership year.
Fee Explanation Standard bank rates apply for overdue amounts and cash advances. GST and other applicable taxes extra as per RBI guidelines.
Lounge Access Benefits with Reliance SBI PRIME Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Valid for primary cardholder at participating domestic lounges.
international Lounges
silverVisits per year: 4
Guest access: Yes
Access via partner lounge programmes; check availability and T&C.
Insurance Coverage with Reliance SBI PRIME Credit Card
travel insurance
VariesIssuer-provided travel insurance benefits changed periodically; check current T&C on SBI Card site.
purchase protection
₹50,000Within 90 days of purchase; subject to T&C.
Additional Features of Reliance SBI PRIME Credit Card
Contactless Payments
Tap-and-pay enabled for quick payments
Add-on Cards
Up to 3 add-on cards available
Add-on eligibility as per primary cardholder's account
Flexipay (EMI)
Convert eligible transactions into EMIs
Transactions above a minimum value; check issuer portal
Welcome Bonus with Reliance SBI PRIME Credit Card
Welcome Bonus: Gift voucher worth ₹3,000
Bonus Conditions: Voucher valid for new customers only; T&C on issuer site. Redeemable at participating Reliance Retail brands.
Application Process for Reliance SBI PRIME Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via Finanjo portal or SBI Card portal
Upload KYC documents
Receive verification call or OTP
Card dispatched within 5-7 business days
Required Documents for Reliance SBI PRIME Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Reliance SBI PRIME Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Reliance SBI PRIME Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have a valid PAN and Aadhaar card. Additional documents may be requested during verification.
How Approval Is Decided
- Minimum income as specified for salaried/self-employed applicants
- Indian resident
- Credit score above 700
Pros of Reliance SBI PRIME Credit Card
- Excellent earn rate at Reliance stores
- Attractive milestone benefits
- Complimentary lounge visits
Cons of Reliance SBI PRIME Credit Card
- High joining and annual fee
- Limited value for non-Reliance shoppers
Frequently Asked Questions about Reliance SBI PRIME Credit Card
Is there a joining fee?
Yes. The joining fee is ₹2,999 (plus applicable taxes). Waiver conditions apply based on annual spend.
What is the welcome benefit?
A welcome e-gift voucher worth ₹3,000 redeemable at select Reliance Retail brands; T&C apply.
How do I get the annual fee waived?
Annual fee is waived on spends of ₹3,00,000 or more during the card membership year.
What are the reward point earn rates?
Earn 10 pts/₹100 at participating Reliance Retail stores, 5 pts/₹100 on dining, movies and international spends, and 2 pts/₹100 on other retail purchases.
How can I redeem points or vouchers?
Points and vouchers can be redeemed via the SBI Card portal or partner redemption pages. Redeem options and conversion rates vary; check the issuer site for current details.
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