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Reliance SBI Card Vs. Reliance SBI Card PRIME

Reliance SBI Card

Reliance SBI Card

Reliance SBI Card PRIME

Reliance SBI Card PRIME

Comparison of Reliance SBI Card and Reliance SBI Card PRIME

Feature
Reliance SBI Card
Reliance SBI Card PRIME
Annual Fee
₹499 + GST (₹589)
₹99 + GST
Joining Fee
₹499 + GST (₹589)
₹99 + GST
Welcome Benefits
Bonus reward points on first spend
Receive a welcome e-Gift Voucher worth ₹3,000 from a selection of partner brands
Interest Rate (APR)
3.50% per month (42% annually)
3.50% per month (42% annually)
Foreign Currency Markup
3.50% + GST (4.13% effective)
3.50% + GST (4.13% effective)
Key Highlights
  • •Exclusive Rewards
  • •Welcome Gift
  • •Milestone Benefits
  • •Fuel Surcharge Waiver
  • •Special Partner Benefits
  • •Seamless digital payments
  • •Digital-only card
  • •Cost-effective
  • •Flexible credit
  • •Maximise benefits
Dos
  • Use the card for online purchases to maximise reward points.
  • Pay your credit card bill on time to avoid charges.
  • Track your spends to maintain good credit utilisation.
  • Redeem reward points before they expire.
  • Use the card for eligible UPI transactions.
  • Make major lifestyle and travel spends on the card to reach milestones.
  • Pay your full outstanding balance every month to avoid high interest.
  • Set up alerts and monitor your account regularly.
  • Use the card in reward-eligible categories to maximise returns.
  • Keep your card in a safe place and use contactless payments when possible.
Don'ts
  • Avoid overspending beyond your repayment capacity.
  • Do not skip the minimum due amount.
  • Do not withdraw cash using the credit card.
  • Avoid sharing OTP/card details with anyone.
  • Don't link your card on unsafe or unverified apps.
  • Don't carry large unpaid balances as finance charges are steep.
  • Don't assume the fee is free; waiver requires high spend.
  • Don't use for fuel transactions expecting reward points (only surcharge waiver applies).
  • Share card details with untrusted sources.
  • Use the card for cash advances unless necessary.

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