Reliance SBI Card PRIME
SBI Card · Checked 2026-10-09
Reliance SBI Card PRIME is a paid card focused on shopping rewards, online spending and dining rewards, charging ₹2,999 annually before GST.
CardIQ editorial view
Our take
Reliance SBI Card PRIME is a paid card focused on shopping rewards, online spending and dining rewards, charging ₹2,999 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise online spending.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 20 points per ₹100 on AJIO/JioMart online; 10 at other participating Reliance stores; 2 on other eligible purchases.
- Eight domestic and four international lounge visits yearly; quarterly limits apply.
Trade-offs to understand
- 5 points per ₹100 on eligible dining, entertainment, domestic airlines and international spends.
- Points redeem for Reliance Retail vouchers at ₹0.25 each; accelerated Reliance earn excludes UPI.
- Eight domestic and four international lounge visits yearly; quarterly limits apply.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 20 points per ₹100 on ajio/jiomart online; 10 at other participating reliance stores; 2 on other eligible purchases valuable enough to clear the fee. Factor in this condition: 5 points per ₹100 on eligible dining, entertainment, domestic airlines and international spends.
Compare before deciding
- Tata Neu Infinity HDFC Bank Credit Card — A lower-fee way to compare similar strengths in online spending and reward points.
- SBI Card PRIME — A similarly priced alternative for comparing reward points and airport lounge access.
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Benefits, limits and conditions
- 5 points per ₹100 on eligible dining, entertainment, domestic airlines and international spends.
- Points redeem for Reliance Retail vouchers at ₹0.25 each; accelerated Reliance earn excludes UPI.
- Eight domestic and four international lounge visits yearly; quarterly limits apply.