Reliance SBI Card PRIME Review
The Reliance SBI Card PRIME is the premium Reliance Retail co-brand. It earns up to 5% back on AJIO and JioMart and 2.5% at other Reliance stores, with Priority Pass lounge access and a monthly movie ticket.
Points can only be redeemed as Reliance Retail vouchers, so the card works best for people who already shop heavily across Reliance’s stores and apps.
- 20 points per ₹100 (5%) on AJIO and JioMart
- 10 points per ₹100 (2.5%) at Reliance Retail stores
- Priority Pass with 4 international visits a year
- 1 BookMyShow ticket a month (up to ₹250 off)
- RuPay variant works on UPI at Reliance stores
- Points redeemable only as Reliance Retail vouchers
- Accelerated categories capped at 7,500 points a cycle
- No points on fuel, rent, wallet, government, EMI
- ₹2,999 fee unless you spend ₹3 lakh
- About 3.5% forex markup
Fees and charges
| Item | Detail |
|---|---|
| Annual fee | ₹2,999 + GST, waived on ₹3 lakh annual spend |
| Fuel surcharge waiver | 1% on ₹500–₹4,000, up to ₹100 |
| Forex markup | About 3.5% |
Rewards: how the card earns
| Spend | Points per ₹100 | Value (4 points = ₹1) |
|---|---|---|
| AJIO, JioMart | 20 | 5% |
| Other Reliance Retail stores | 10 | 2.5% |
| Dining, movies, entertainment, domestic airlines | 5 (capped at 7,500 a cycle) | 1.25% |
| International | 5 (separate 7,500 cap) | 1.25% |
| Other spends | 2 | 0.5% |
What earns nothing
Fuel, wallet loads, rent, government payments, EMI and Flexipay earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Priority Pass | 4 free international visits a year (max 2 a quarter), primary cardholder only |
| Domestic lounges | Visits each quarter (check SBI Card’s current terms) |
| Movies | 1 BookMyShow ticket a month, up to ₹250 |
| Fuel | 1% surcharge waiver, up to ₹100 |
Eligibility
Issuer
SBI Card
Networks
RuPay and Mastercard
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: heavy AJIO, JioMart and Reliance Retail shoppers spending ₹3 lakh+ a year.
- Skip if: you do not shop at Reliance stores — the vouchers are of little use.
Alternatives worth comparing
Final verdict
Very rewarding inside the Reliance ecosystem, with Priority Pass as a bonus. Outside it, the voucher-only redemption limits its appeal.
Frequently asked questions
What is the Reliance SBI PRIME fee?
₹2,999 + GST, waived on ₹3 lakh annual spend.
How many points do I earn on AJIO and JioMart?
20 points per ₹100, worth 5% at 4 points = ₹1.
How can I redeem points?
Only as Reliance Retail vouchers.
Does it give lounge access?
Priority Pass with 4 international visits a year (max 2 a quarter), plus domestic lounge visits.
Which networks is it on?
RuPay and Mastercard.
Last verified: October 2026, against SBI Card’s Reliance SBI Card PRIME T&C. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.