Reliance SBI Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹499
₹499
1.99%
No lounge access
Contents
A co-branded rewards card from SBI Card and Reliance that gives accelerated rewards at Reliance retail stores and additional lifestyle benefits. Good for shoppers who frequently use Reliance ecosystem stores and apps. Offers milestone vouchers, partner discounts and basic insurance benefits.
Features of Reliance SBI Credit Card which makes it unique
Milestone Vouchers
Get Reliance retail vouchers on achieving milestone spends
Discounts on future Reliance purchases
Strong co-branded retail benefits
FlexiPay/EMI Conversion
Convert big purchases to EMI via SBI Card Flexipay
Flexible repayment
Standard on most SBI Card products
Rewards Structure of Reliance SBI Credit Card
Milestones of Reliance SBI Credit Card
Quarterly Reliance Spend Milestone
₹25,000 : Reliance Retail voucher worth ₹500
Higher Reliance Spend Milestone
₹50,000 : Reliance Retail voucher worth ₹750
Top Reliance Spend Milestone
₹80,000 : Reliance Retail voucher worth ₹1,000
Fees & Charges of Reliance SBI Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee waiver on specified annual spend thresholds; check T&C for exact slabs.
Fee Explanation Standard bank rates and SBI Card terms apply for overdue amounts and transaction-specific charges.
Detailed Explanation of Reliance SBI Credit Card Fees
Joining Fee: ₹499 (one-time)
Activation benefit on joining may require paying joining fee
Annual Fee: ₹499 (yearly)
Waiver on achieving specified annual spend
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300
Forex Markup: 1.99% (transaction)
Standard forex markup applied
Lounge Access Benefits with Reliance SBI Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Lounge access may be available only on higher / PRIME variants
Insurance Coverage with Reliance SBI Credit Card
purchase protection
₹50,000Within 90 days of purchase, subject to T&C
travel inconvenience insurance
Up to ₹1,00,000Applicable on select variants and international trips; check T&C
Additional Features of Reliance SBI Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Add-on cards allowed as per SBI Card policy
Welcome Bonus with Reliance SBI Credit Card
Welcome Bonus: Reliance Retail voucher worth ₹500.
Bonus Conditions: Activation benefit on joining; additional Reliance discount vouchers worth ₹3,200 on select spends and on paying joining fee; T&C apply.
Application Process for Reliance SBI Credit Card
Processing Time
3-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card portal or partner link
Upload KYC and income documents
Receive verification call or OTP
Card dispatched after approval (typical timeline 3-7 business days)
Required Documents for Reliance SBI Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Reliance SBI Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Mastercard is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Reliance SBI Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹15,000
Minimum annual income
Self-Employed Applicants
₹20,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required for KYC; residence and income proofs as per SBI Card requirements.
How Approval Is Decided
- Minimum income as specified for the variant
- Indian resident with valid KYC
- Credit score and banking history considered
Pros of Reliance SBI Credit Card
- Good rewards at Reliance ecosystem
- Attractive activation and milestone vouchers
- Simple base earn rate for all other spends
Cons of Reliance SBI Credit Card
- Most attractive benefits tied to Reliance ecosystem
- Higher benefits on PRIME/paid variants only
Frequently Asked Questions about Reliance SBI Credit Card
Is there a joining fee?
Yes, a joining fee is applicable; activation benefits (Reliance vouchers) are provided on joining. Exact fee depends on the variant.
How do I get the welcome Reliance voucher?
Welcome Reliance Retail voucher worth ₹500 is an activation benefit; voucher delivery and activation conditions are per SBI Card T&C.
How can I waive the annual fee?
Annual fee waivers are available on achieving specified annual spends. Check the T&C for slab details and applicable variants.
What is the reward earning rate at Reliance stores?
Typically 5 reward points per ₹100 spent at participating Reliance retail stores and selected online platforms; rates may vary by variant.
Can I convert purchases to EMI?
Yes, SBI Card offers Flexipay/EMI conversion options subject to eligibility and T&C.
Are reward points transferable to airline partners?
This co-branded card generally focuses on Reliance retail rewards; airline conversion depends on specific partner tie-ups and variant — check the T&C.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
