Reliance SBI Card
SBI Card · Checked 2026-10-09
Reliance SBI Card is a paid card focused on shopping rewards, online spending and dining rewards, charging ₹499 annually before GST.
CardIQ editorial view
Our take
Reliance SBI Card is a paid card focused on shopping rewards, online spending and dining rewards, charging ₹499 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
- 10 points per ₹100 on AJIO/JioMart online; 5 at other participating Reliance stores; 1 on other eligible purchases.
Trade-offs to understand
- 5 points per ₹100 on eligible dining and entertainment.
- Points redeem for Reliance Retail vouchers at ₹0.25 each. Accelerated Reliance earn excludes UPI.
- The ₹499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 10 points per ₹100 on ajio/jiomart online; 5 at other participating reliance stores; 1 on other eligible purchases valuable enough to clear the fee. Factor in this condition: 5 points per ₹100 on eligible dining and entertainment.
Compare before deciding
- IDFC FIRST SWYP — A similarly priced alternative for comparing shopping rewards and reward points.
- AU XCITE — A lower-fee way to compare similar strengths in shopping rewards and reward points.
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Benefits, limits and conditions
- 5 points per ₹100 on eligible dining and entertainment.
- Points redeem for Reliance Retail vouchers at ₹0.25 each. Accelerated Reliance earn excludes UPI.