Lifestyle privileges, fuel savings, and value-back rewards designed for everyday Reliance customers.
Earn reward points on Reliance Retail, fuel, dining & departmental store spends
1% fuel surcharge waiver
Bonus reward points on first spend
Enter your details to get started
| Benefit | Details |
|---|---|
| Exclusive Rewards | Earn reward points on groceries, shopping, fuel, dining, and Reliance Retail transactions |
| Welcome Gift | On payment of the joining fee, cardholders receive a Reliance Retail voucher worth ₹500, along with additional discount vouchers valued at ₹3,200, redeemable across participating Reliance Retail stores. |
| Milestone Benefits | Additional reward points on completing annual spend milestones |
| Fuel Surcharge Waiver | 1% waiver on fuel surcharge at all fuel stations across India (up to the monthly limit) |
| Special Partner Benefits | Savings and offers at Reliance Retail stores and partner merchants |
| Attribute | Classification |
|---|---|
| Issuer / Provider | SBI Card |
| Bank / Non-bank | Bank-affiliated |
| Category | Shopping, fuel, lifestyle |
| Type of Card | Lifestyle & Rewards Credit Card |
| Free or Paid | Paid – Annual fee (reversible on milestone spends) |
The Reliance SBI Card is an excellent choice for customers who frequently shop at Reliance Retail brands and want a card that delivers consistent value on everyday spending. With rewards on groceries, fuel, lifestyle purchases, and Reliance partner brands, this card ensures year-round savings while offering essential credit card conveniences.
Reward-Focused Spending: The card offers reward points on Reliance Retail outlets, departmental stores, dining, and grocery purchases, making it suitable for individuals with regular household expenses.
Fuel Savings: 1% fuel surcharge waiver applies for transactions between ₹500 and ₹4,000 and is capped at ₹100 per statement cycle.
Welcome Benefit: Users receive bonus reward points on completing the first eligible transaction within the initial activation window.
Annual Fee Reversal: The card’s annual fee can be reversed upon achieving specified annual spend milestones, making it cost-effective for consistent spenders.
Wide Merchant Acceptance: The Reliance SBI Card is accepted at retail stores, e-commerce websites, supermarkets, restaurants, and partner outlets across India, enabling seamless transactions.
Interest-Free Period: Cardholders can benefit from up to 50 days of interest-free credit on purchases, subject to merchant charge submission timelines.
Easy Digital Management: The card can be managed through the SBI Card app or website, allowing users to track spending, redeem rewards, and access statements seamlessly.
Reward Points on Reliance Retail & Departmental Stores: Earn accelerated reward points on purchases made at Reliance Retail outlets, including grocery, apparel, lifestyle, and electronics stores.
Ideal for daily household purchases
Monthly earning limits may apply as per reward structure
Reward Points on Dining & Groceries: Earn reward points on dining spends and grocery purchases outside Reliance Retail as well.
Great for everyday essentials
Points credited as per the applicable earn rate
Reward Points on Other Retail Spends: Earn regular reward points on all other eligible retail transactions. Exclusions: fuel, wallet loads, EMI conversions, insurance premiums, and government-related payments.
1% fuel surcharge waiver applies for transactions between ₹500 and ₹4,000 and is capped at ₹100 per statement cycle.
Reward points are earned only on transactions above the minimum required spend threshold, as defined by SBI Card policies.
Statement Balance Redemption: Redeem accumulated reward points against the outstanding balance.
1 Reward Point = Value as per SBI Card reward catalogue
Minimum points required for redemption may apply
Redemption possible through SBI Card portal or app
Travel & Lifestyle Redemption: Reward points can be redeemed for:
Flight bookings
Hotel stays
Travel accessories
Lifestyle products
Redemption limits and point-to-value conversion may vary based on catalogue items.
Users can redeem points for popular brand vouchers available on the SBI Rewards portal.
Choose from merchandise, electronics, appliances, and accessories available on the SBI Rewards Catalogue.
Up to 70% of the item value may be payable via reward points for select categories
Remaining amount must be paid through the credit card
Reward points remain valid for 24 months from the date they are credited.
Bonus Reward Points: Earn bonus reward points upon completing the first eligible transaction within the specified timeframe.
Points credited within the defined period post-transaction
Terms and conditions apply based on activation month
Up to 50 Days: Enjoy an interest-free credit period of up to 50 days from the date of purchase, provided the merchant submits the charge within required timelines.
Flexible Payment Facility: The card offers a revolving credit option, allowing customers to pay a portion of the outstanding and carry forward the balance.
Interest charged as per SBI Card’s standard rate
Details available in the Fees and Charges schedule
Reward Points are not earned on:
Fuel purchases
Rent payments
Wallet loads
Prepaid card loads
Insurance payments
Voucher purchases
Government/municipality payments
EMI transactions
Cash withdrawals
Fees, charges, and penalties
Disclaimer
All features, benefits, and reward structures mentioned above are accurate at the time of writing and may be updated by SBI Card without prior notice. Users are advised to refer to the official SBI Card website or the card’s terms and conditions for the most current information.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹499 + GST (₹589) | One-time fee charged when the card is issued. |
| Annual Fee | ₹499 + GST (₹589) | Charged every year. Waived if annual spends are ₹2,00,000 or more before renewal date. |
| Interest Rate (APR) | 3.50% per month (42% annually) | Applicable on outstanding balances not paid within the interest-free period. |
| Fuel Surcharge Waiver | 1% of transaction value | 1% fuel surcharge waiver applies for transactions between ₹500 and ₹4,000 and is capped at ₹100 per statement cycle. |
| Late Payment Fee | ₹100 – ₹800 | Charged when the minimum amount due is not paid by the due date (slab-based). |
| Overlimit Fee | ₹500 or 2.5% of overlimit (whichever is lower) | Charged when spends exceed the sanctioned credit limit. |
| Cash Advance Fee | 2.5% of amount or ₹500 (whichever is higher) | Applicable on cash withdrawals at ATMs or bank counters. |
| Cash Advance Limit | Up to 40% of credit limit | Maximum amount available for cash withdrawals. |
| Foreign Currency Markup | 3.50% + GST (4.13% effective) | Charged on international transactions. |
| Criteria | Details |
|---|---|
Age | Primary cardholder should be between 21 and 65 years. |
Existing Customer | Both new and existing SBI Card customers can apply. |
Citizenship | Must be a resident of India. |
Credit Score | A good CIBIL score (ideally 750–900) is recommended. |
Income | Stable source of income (salaried or self-employed) as per SBI Card internal policy. |
| Document Type | Details |
|---|---|
| Identity Proof | Any one of the following: Aadhaar Card, PAN Card, Passport, Driving License, Voter ID Card. |
| Address/Residence Proof | Aadhaar Card, Passport, Driving License, Voter ID Card, or recent Utility Bill. |
| Income Proof | Latest salary slip / Bank statement (last 3–6 months) / Form 16 / IT return copy (for self-employed). |
| PAN Card | Mandatory for credit card issuance. |
Click on Apply Now: Visit the SBI Card website/app and hit the 'Apply Now' button to start your application.
Fill in Your Details: Enter your personal, contact, employment, and financial information in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all details carefully and submit the form.
Approval & Card Delivery: Once approved, your Reliance SBI Card will be dispatched to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Reliance Retail Benefits | Use the card at Reliance Retail outlets (grocery, fashion, lifestyle, digital) to earn the highest reward points. |
Use for Daily Essentials | Swipe for groceries, dining, and departmental store purchases to accumulate regular rewards. |
Track Reward Point Expiry | Reward points remain valid for 2 years, so redeem them before expiry for merchandise, vouchers, or statement credit. |
Utilise Fuel Surcharge Waiver | Use the card at fuel stations to benefit from the 1% surcharge waiver (monthly cap applicable). |
Pay Utility Bills | Pay electricity, water, broadband, and mobile bills to earn standard reward points. |
Avoid Non-Reward Categories | Transactions like wallet loads, rent payments, insurance, government payments, and fuel (for rewards) do not earn points. |
Enable Auto-Debit | Set up auto-debit for hassle-free bill payments and avoid late fees. |
Monitor Spending | Track monthly spends through the SBI Card app to achieve milestone-based annual fee reversal. |
The Reliance SBI Card is designed for users who want to maximize their credit card benefits effectively.
Disclaimer: The information provided on this page has been gathered from various reliable sources and is intended solely for general informational purposes. As details may change over time, we do not guarantee the accuracy or completeness of the content. Users are advised to verify the information with official or relevant sources before making any decisions or taking action.