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DhanChakshu
Aapke Paise Ke Liye Sahi Nazar
Verified — 16/16 categories
SBI · Mastercard / RuPay

Reliance SBI Card PRIME

Best forShopping
Earns20 RP/₹100 on shopping — only at Ajio / JioMart
1st Year / Joining Fee
₹2,999 + taxes
Renewal Fee
₹2,999 + taxes
charged every year for Reliance SBI Card PRIME
Fee waiver
₹3,00,000
annual spend
Network
Mastercard / RuPay

Why this card may suit you

Based on the card's verified terms.

  • Best suited to spending on shopping, where it earns 20 RP/₹100 (only at Ajio / JioMart)
  • Annual fee is waived at ₹3,00,000 yearly spend

How you earn

Reward rates at a glance — exactly as recorded for this card.

ShoppingOnly at Ajio / JioMart20 RP/₹100
ShoppingOnly at Reliance Retail stores10 RP/₹100
GroceriesOnly at Smart Bazaar / JioMart10 RP/₹100
JewelleryOnly at Reliance Jewels10 RP/₹100
Dining5 RP/₹100
All 16 reward categories · 16 of 16 categories verified
CategoryRateCapCondition
RentNot eligible—Accrual of Reward Points on Rent Payment transactions (MCC 6513) discontinued w.e.f
Details
Status
Verified — not eligible
Issuer note
Accrual of Reward Points on Rent Payment transactions (MCC 6513) discontinued w.e.f. 01 Apr 2024 (Section 11.5a) and explicitly excluded from base rate (Section 11.4d); ₹199 processing fee applies per MITC.
Education2 RP/₹100—2 Reward Points per ₹100 on other retail purchases (0.50% base rate, 4 RP = ₹1 per Section 11.4d, 11.4e
Details
Status
Verified
Source
SBI-RELIANCE-PRIME-TNC-2026
Issuer note
2 Reward Points per ₹100 on other retail purchases (0.50% base rate, 4 RP = ₹1 per Section 11.4d, 11.4e; not excluded in Section 11.5a). 1% fee on third-party apps per MITC.
Insurance2 RP/₹100—2 Reward Points per ₹100 on other retail purchases (0.50% base rate, 4 RP = ₹1 per Section 11.4d, 11.4e
Details
Status
Verified
Source
SBI-RELIANCE-PRIME-TNC-2026
Issuer note
2 Reward Points per ₹100 on other retail purchases (0.50% base rate, 4 RP = ₹1 per Section 11.4d, 11.4e; not excluded in Section 11.5a).
Utilities2 RP/₹100—2 Reward Points per ₹100 on other retail purchases (0.50% base rate, 4 RP = ₹1 per Section 11.4d, 11.4e
Details
Status
Verified
Source
SBI-RELIANCE-PRIME-TNC-2026
Issuer note
2 Reward Points per ₹100 on other retail purchases (0.50% base rate, 4 RP = ₹1 per Section 11.4d, 11.4e; Utilities is not excluded in Section 11.5a). 1% fee above ₹50,000/cycle per MITC.
FuelNot eligible—Purchases at petrol pumps / service stations (MCC 5172, 5541, 5542, 5983) excluded from rewards (Section 11.5a)
Details
Status
Verified — not eligible
Issuer note
Purchases at petrol pumps / service stations (MCC 5172, 5541, 5542, 5983) excluded from rewards (Section 11.5a). 1% fuel surcharge waiver on ₹500-₹4,000 (max ₹250/statement).
Groceries2 RP/₹100—10 RP / ₹100 at Smart Bazaar / JioMart grocery in-store (cap 20,000 RP/mo shared)
Details
Status
Verified
Source
SBI-RELIANCE-PRIME-TNC-2026
Issuer note
10 RP / ₹100 at Smart Bazaar / JioMart grocery in-store (cap 20,000 RP/mo shared); 20 RP / ₹100 at JioMart online (cap 20,000 RP/mo shared); 2 RP / ₹100 other retail grocery spends (0.50% base) (Section 11.4a, d).
Dining5 RP/₹1007,500 RP per statement cycle5 Reward Points per ₹100 on Dining (MCC 5812, 5813, 5814) (1.25% value, capped at 7,500 RP/statement cycle shared with movies/airlines, then 2 RP/₹100 base rate per Section 11.4c, 11.5h)
Details
Status
Verified
Source
SBI-RELIANCE-PRIME-TNC-2026
Issuer note
5 Reward Points per ₹100 on Dining (MCC 5812, 5813, 5814) (1.25% value, capped at 7,500 RP/statement cycle shared with movies/airlines, then 2 RP/₹100 base rate per Section 11.4c, 11.5h).
Food Delivery5 RP/₹1007,500 RP per statement cycle5 Reward Points per ₹100 on Food Delivery under dining MCC 5814 (1.25% value, capped at 7,500 RP/statement cycle shared, then 2 RP/₹100 base rate per Section 11.4c, 11.5h)
Details
Status
Verified
Source
SBI-RELIANCE-PRIME-TNC-2026
Issuer note
5 Reward Points per ₹100 on Food Delivery under dining MCC 5814 (1.25% value, capped at 7,500 RP/statement cycle shared, then 2 RP/₹100 base rate per Section 11.4c, 11.5h).
Shopping2 RP/₹100—20 RP / ₹100 at AJIO online (cap 20,000 RP/mo shared) · Also 10 RP/₹100, only at Reliance Retail stores
Details
Status
Verified
Source
SBI-RELIANCE-PRIME-TNC-2026
Issuer note
20 RP / ₹100 at AJIO online (cap 20,000 RP/mo shared); 10 RP / ₹100 at participating Reliance Retail stores (cap 20,000 RP/mo shared); 2 RP / ₹100 other retail shopping spends (0.50% base rate) (Section 11.4a, d).
Travel2 RP/₹100—5 Reward Points per ₹100 on Domestic Airlines (MCC 3020, 4511, 3193, 3056) (1.25% value, capped at 7,500 RP/statement cycle shared, then 2 RP/₹100)
Details
Status
Verified
Source
SBI-RELIANCE-PRIME-TNC-2026
Issuer note
5 Reward Points per ₹100 on Domestic Airlines (MCC 3020, 4511, 3193, 3056) (1.25% value, capped at 7,500 RP/statement cycle shared, then 2 RP/₹100); 5 RP / ₹100 on International Spends (capped at 7,500 RP/cycle, then 2 RP); 2 RP / ₹100 on other travel (0.50% base rate) (Section 11.4c, 11.4d, 11.5h).
GovernmentNot eligible—Accrual of Reward Points on Govt Related transactions (MCC 9399, 9311) discontinued w.e.f
Details
Status
Verified — not eligible
Issuer note
Accrual of Reward Points on Govt Related transactions (MCC 9399, 9311) discontinued w.e.f. 15 June 2024 (Section 11.5a), establishing an explicit exclusion from rewards.
WalletNo reward——
Details
Status
Verified — no reward
Issuer note
E-wallet loading transactions under MCC 6540 and 6541 excluded from rewards (Section 11.5a); 1% fee over ₹1,000 applies per MITC.
Railways2 RP/₹100—2 Reward Points per ₹100 on other retail purchases (0.50% base rate, 4 RP = ₹1 per Section 11.4d, 11.4e
Details
Status
Verified
Source
SBI-RELIANCE-PRIME-TNC-2026
Issuer note
2 Reward Points per ₹100 on other retail purchases (0.50% base rate, 4 RP = ₹1 per Section 11.4d, 11.4e; not excluded in Section 11.5a).
FASTag2 RP/₹100—2 Reward Points per ₹100 on other retail purchases (0.50% base rate, 4 RP = ₹1 per Section 11.4d, 11.4e
Details
Status
Verified
Source
SBI-RELIANCE-PRIME-TNC-2026
Issuer note
2 Reward Points per ₹100 on other retail purchases (0.50% base rate, 4 RP = ₹1 per Section 11.4d, 11.4e; Tolls / FASTag MCC 4784 is not excluded in Section 11.5a).
Jewellery2 RP/₹100—10 Reward Points per ₹100 at Reliance Jewels (cap 20,000 RP/mo shared)
Details
Status
Verified
Source
SBI-RELIANCE-PRIME-TNC-2026
Issuer note
10 Reward Points per ₹100 at Reliance Jewels (cap 20,000 RP/mo shared); 2 Reward Points per ₹100 on other jewellery retail purchases (0.50% base rate) (Section 11.4a, d).
Telecom2 RP/₹100—2 Reward Points per ₹100 on other retail purchases (0.50% base rate, 4 RP = ₹1 per Section 11.4d, 11.4e
Details
Status
Verified
Source
SBI-RELIANCE-PRIME-TNC-2026
Issuer note
2 Reward Points per ₹100 on other retail purchases (0.50% base rate, 4 RP = ₹1 per Section 11.4d, 11.4e; Telecom is not excluded in Section 11.5a).

“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.

Cost & caps

What it costs to hold, and where rewards stop.

1st Year / Joining Fee
₹2,999 + taxes
Renewal Fee
₹2,999 + taxes
charged every year for Reliance SBI Card PRIME
Fee waiver
₹3,00,000
annual spend
Reward caps
  • Shopping — 20,000 RP / month (shared cap — Shopping)
  • Dining — 7,500 RP / statement (shared cap — Dining)
  • Travel — 7,500 RP / statement (per category — Travel)
Spending thresholds
  • Spend ₹3,00,000 per card year → annual fee waived
  • Spend ₹5,00,000 per card year → Annual milestone: ₹5,00,000 annual spend unlocks ₹5,000 Reliance Retail Gift Voucher (Milestone terms page 4)
  • Spend ₹10,00,000 per card year → Annual milestone: ₹10,00,000 annual spend unlocks ₹10,000 Reliance Retail Gift Voucher (Milestone terms page 4)

Key benefits

Rewards
20 RP/₹100 on shopping (only at Ajio / JioMart)
Fuel surcharge waiver
1% fuel surcharge waiver on transactions ₹500-₹4,000, max ₹100/statement
Foreign-currency markup
3.5% foreign-currency markup — Charged on every foreign-currency transaction (Reliance SBI Card PRIME)
Milestone benefit
Annual milestone: ₹5,00,000 annual spend unlocks ₹5,000 Reliance Retail Gift Voucher (Milestone terms page 4)
Milestone benefit
Annual milestone: ₹10,00,000 annual spend unlocks ₹10,000 Reliance Retail Gift Voucher (Milestone terms page 4)
Fee waiver
Annual fee waived on ₹3,00,000 annual spend

Important to know

Limits and exclusions that change what you earn.

  • Shopping rewards are capped at 20,000 RP / month (shared cap — Shopping)
  • Dining rewards are capped at 7,500 RP / statement (shared cap — Dining)
  • No reward on: Wallet
  • Not eligible: Rent, Fuel, Government
  • Spend ₹3,00,000 per card year → annual fee waived

Who should consider this card

✓ Good fit if
  • Your spending is concentrated in shopping, groceries
  • You can reach the ₹3,00,000 annual spend that waives the fee
△ Less useful if
  • Much of your spending is in rent, fuel, government, which earn nothing
  • You cannot reach the fee-waiver spend and would pay the annual fee
Compare with another card →Read card guides →

Full details

Everything else, expanded on demand.

Caps & exclusions · 3 caps · 4 no-reward categories
Caps
  • Shopping — 20,000 RP / month (shared cap — Shopping)
  • Dining — 7,500 RP / statement (shared cap — Dining)
  • Travel — 7,500 RP / statement (per category — Travel)
Categories with no reward or not eligible
  • Rent — Not eligible. Accrual of Reward Points on Rent Payment transactions (MCC 6513) discontinued w.e.f.
  • Fuel — Not eligible. Purchases at petrol pumps / service stations (MCC 5172, 5541, 5542, 5983) excluded from rewards (Section 11.5a).
  • Government — Not eligible. Accrual of Reward Points on Govt Related transactions (MCC 9399, 9311) discontinued w.e.f.
  • Wallet — No reward.
Milestones · 3 recorded
  • Spend ₹3,00,000 per card year → benefit worth ₹2,999 — Annual fee waiver: the renewal fee is waived on annual spends of Rs.3 Lakh or more in the preceding year. Source: SBI Cards - Most Important Terms & Conditions, Section 1.A Annual Fees & Renewal Fees (fee table, pages 1-11).
  • Spend ₹5,00,000 per card year → benefit worth ₹5,000 — Annual milestone: ₹5,00,000 annual spend unlocks ₹5,000 Reliance Retail Gift Voucher (Milestone terms page 4).
  • Spend ₹10,00,000 per card year → benefit worth ₹10,000 — Annual milestone: ₹10,00,000 annual spend unlocks ₹10,000 Reliance Retail Gift Voucher (Milestone terms page 4).
Eligibility

Subject to SBI's underwriting and eligibility criteria. See the issuer's terms for current requirements.

Specifications
  • Payment network: Mastercard / RuPay
  • Airport lounge: Not recorded by DhanChakshu — check the issuer terms
  • Fuel surcharge waiver: 1% fuel surcharge waiver on transactions ₹500-₹4,000, max ₹100/statement.
  • Foreign-currency markup: 3.5% foreign-currency markup — Charged on every foreign-currency transaction (Reliance SBI Card PRIME). The exchange rate is determined by the network (VISA/Mastercard etc.) on the date the transaction is settled with SBI Card.
Other fees and charges
  • Renewal fee ₹2,999 plus applicable taxes, charged every year for Reliance SBI Card PRIME
  • Over-limit fee: 2.5% of the amount above the credit limit or ₹600, whichever is higher, charged once per billing cycle
  • Payment dishonour fee: 2% of the payment amount, subject to a minimum of ₹500
  • Cheque payment fee ₹200
  • Card replacement fee between ₹100 and ₹250 depending on the card variant
What DhanChakshu couldn't fully verify · 1 area

1 area needs further verification. None of these are counted as zero.

  • • Lounge benefit — not recorded; check the issuer terms

Sources & verification

Verification & sources · last checked 2026-10-11

Verification coverage: All 16 categories verified

Card record last checked: 2026-10-11

Documents used
Reliance SBI Card PRIME - Cardholder Agreement & Reward Point Program T&C · SBI-RELIANCE-PRIME-TNC-2026 · 2026-10-11
Official Reliance PRIME terms, 10-20 RP Reliance Retail / Ajio accelerators, monthly cap · SRC-SBI-RELIANCE-PRIME
SBI Cards - Most Important Terms & Conditions · SBI-MITC-UPLOAD-2026-10 · 2026-10-08
Reliance SBI Card PRIME₹2,999 1st year