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Reliance SBI Card PRIME VS Reliance SBI Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 17 July 2026

Both Reliance SBI Card and Reliance SBI Card PRIME suit shopping-focused spenders, but they earn and cost differently. Reliance SBI Card costs ₹499 + GST and earns 10 RP per ₹100 on AJIO & JioMart; 5 RP on other Reliance stores, dining & movies; 1 RP on others. Reliance SBI Card PRIME costs ₹2,999 + GST and earns 20 RP per ₹100 (5% return) on AJIO & JioMart; 10 RP (2.5%) on other Reliance Retail. Reliance SBI Card also brings does not provide complimentary lounge access, while Reliance SBI Card PRIME counters with 8 complimentary visits per year (maximum 2 visits per quarter) at domestic airports. If dining spending matters more, go with Reliance SBI Card; if travel is the priority, Reliance SBI Card PRIME fits better.

Reliance SBI Card PRIME
Reliance SBI Card PRIME
Reliance SBI Card
Reliance SBI Card

Fees & Charges

Joining Fee₹2,999 + GST
Joining Fee₹499 + GST
Renewal Fee₹2,999 + GST
Renewal Fee₹499 + GST
Spend Based WaiverAnnual charges waived on annual spends of ₹3 Lakh.
Spend Based WaiverAnnual fee waived if annual spends are ₹1,00,000 or more in a card anniversary year.
Foreign Transaction Fees3.5% of the transaction amount.
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.75% per month (45% per annum).
Interest Rate (APR)3.75% Per Month (equivalent to 45% Annually).

Rewards & Benefits

Welcome BonusReliance Retail Voucher worth ₹3,000 on joining, plus additional discount vouchers worth ₹11,999.
Welcome BonusReliance Retail Vouchers worth ₹500 and additional discount vouchers worth ₹3,200.
Rewards RateEarn 20 RP per ₹100 (5% return) on AJIO & JioMart; 10 RP (2.5%) on other Reliance Retail.
Rewards RateEarn 10 RP per ₹100 on AJIO & JioMart; 5 RP on other Reliance stores, dining & movies; 1 RP on others.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 per redemption transaction.
Reward Redemption Fee₹99.

Travel & Lifestyle

Domestic Lounge Access8 complimentary visits per year (maximum 2 visits per quarter) at domestic airports.
Domestic Lounge AccessDoes not provide complimentary lounge access.
International Lounge Access4 complimentary visits per year (max 2 per quarter) via Priority Pass membership.
International Lounge AccessDoes not provide complimentary lounge access.
Travel BenefitsComplimentary domestic & international lounge access. Discounts on hotel/flight bookings via Agoda/MakeMyTrip.
Travel BenefitsUp to 15% cashback on hotels/flights at MakeMyTrip; up to 12% instant discount on hotel bookings via Agoda.
Movie BenefitsOne free movie ticket per month (up to ₹250) on BookMyShow, valid on one transaction.
Movie BenefitsEarn 5 Reward Points per ₹100 spent on movies.
Dining BenefitsEarn 5 Reward Points per ₹100 spent on dining. Up to 15% off on F&B at Lalit Hotels.
Dining BenefitsEarn 5 Reward Points per ₹100 spent on dining.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions ₹500-₹4,000, max ₹100 per statement cycle.
Fuel Surcharge Waiver1% waiver on fuel transactions between ₹500 and ₹3,000, max ₹100 per statement cycle.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of transaction amount or minimum ₹500.
Cash Advance Charges2.5% of transaction amount or minimum ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Reliance SBI Card PRIME

Reliance SBI Card

Who is it for?

The Reliance SBI Card PRIME is a premium shopping credit card designed for frequent shoppers at Reliance Retail stores. It offers an impressive 5% reward rate on AJIO & JioMart, along with substantial welcome benefits including Reliance Vouchers worth ₹3,000. Cardholders also enjoy complimentary domestic and international lounge access, a monthly free movie ticket, and attractive milestone benefits. This card is ideal for loyal Reliance customers seeking significant savings and travel perks.

Who is it for?

The Reliance SBI Card is an entry-level co-branded shopping credit card by SBI Card, tailored for frequent shoppers at Reliance Retail Stores. It offers enhanced rewards, welcome benefits like Reliance Retail Vouchers, and accelerated reward points on Reliance stores, dining, and movies. With a reasonable fee structure and a spend-based annual fee waiver, it's a rewarding option for its target audience.

Pros

Key benefits and features.

High reward points on spending at AJIO, JioMart, and other Reliance Retail stores.

Generous welcome benefits including Reliance Retail vouchers and additional discount vouchers.

Complimentary domestic and international lounge access enhances travel comfort significantly.

Monthly free movie ticket benefit provides regular entertainment savings for cardholders.

Annual fee waiver on achieving a reasonable spend milestone makes the card more affordable.

Pros

Key benefits and features.

Earn accelerated 5 Reward Points on dining and movie spends, enhancing lifestyle benefits.

Features a low and reasonable joining fee of ₹499, making it an accessible option.

As a RuPay Credit Card, it can be conveniently linked to UPI applications for easy payments.

Annual fee waiver on spending ₹1 Lakh, rewarding consistent card usage and value.

Significant welcome benefits including Reliance Retail Vouchers and additional discount vouchers.

Cons

Key drawbacks and limitations.

Primary benefits and discounts are heavily concentrated on Reliance Brands.

Limited value for non-Reliance shoppers due to its highly co-branded nature.

No specific travel rewards or insurance benefits are included beyond lounge access.

Fuel, rent payments, and wallet loads are explicitly excluded from earning reward points.

Cons

Key drawbacks and limitations.

Does not provide complimentary lounge access, a feature offered by some other entry-level cards.

Its primary benefits are concentrated towards customers who make regular purchases from Reliance stores.

The reward redemption fee of ₹99 can reduce the overall value of earned points.

High foreign currency markup of 3.5% makes international spends less attractive for users.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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