Reliance SBI Card PRIME Review
The Reliance SBI Card PRIME is a co-brand tuned for the Reliance Retail ecosystem — Ajio, JioMart and Reliance stores — with a heavy welcome-voucher stack and lounge access. Here is the verified review with the current (post-Oct 2025) reward structure.
- 20 RP per ₹100 on Ajio & JioMart
- Large welcome voucher stack (₹3,000 + up to ₹11,999)
- 8 domestic + 4 international lounge visits/year
- Monthly movie ticket (up to ₹250)
- Milestone vouchers at ₹75k/₹1.5L/₹3L
- Fee waived at ₹3 lakh spend
- Best value tied to Reliance ecosystem
- UPI payments excluded from Reliance Retail earn
- ₹2,999 fee needs decent spend to justify
- Reward redemption value varies
- Modest earning outside bonus categories
Fees & rewards
| Item | Detail |
|---|---|
| Annual fee | ₹2,999 + GST (waived on ₹3 lakh spend) |
| Ajio & JioMart | 20 RP per ₹100 |
| Other Reliance Retail | 10 RP per ₹100 (excl. UPI) |
| Dining/movies/airlines/international | 5 RP per ₹100 |
| Welcome | ₹3,000 Reliance voucher + up to ₹11,999 discount vouchers |
| Lounge | 8 domestic + 4 international/year |
| Movies | 1 ticket (up to ₹250)/month |
Eligibility & documents
Age
21 to 60 years
Income
Per SBI Card norms
Recommended CIBIL
~750+
Network
Visa / Mastercard
Best for
Reliance / Ajio / JioMart shoppers
Documents
PAN, Aadhaar, income & address proof
Who this card is for
- Best fit: regular Ajio, JioMart and Reliance Retail shoppers who want vouchers and lounges.
- Skip if: you don’t shop in the Reliance ecosystem or want a flat-rate everyday card.
How to apply & how to cancel
Apply: via sbicard.com. Cancel: call SBI Card after clearing dues; redeem points/vouchers first.
Final verdict
The Reliance SBI Card PRIME is a strong ecosystem co-brand — 20 RP per ₹100 on Ajio/JioMart, a big welcome voucher stack, lounges and a monthly movie ticket easily justify the ₹2,999 fee for Reliance Retail regulars. Outside that ecosystem the value thins, so match it to your shopping habits.
Frequently asked questions
How rewarding is Ajio/JioMart?
20 reward points per ₹100 on Ajio and JioMart; 10 per ₹100 at other Reliance Retail stores (excluding UPI).
What is the fee?
₹2,999 + GST annual, waived on ₹3 lakh annual spend.
What’s the welcome benefit?
A ₹3,000 Reliance voucher plus up to ₹11,999 of discount vouchers from participating Reliance Retail stores.
How much lounge access?
8 domestic and 4 international lounge visits a year, plus a monthly movie ticket up to ₹250.
Data current as of June 2026, cross-checked against SBI Card and Reliance. Reward structure revised 1 Oct 2025 — confirm current terms on sbicard.com before applying.