Experience the power of UPI with credit card rewards
Earn 3% CashPoints on groceries and dining
Get annual fee waived on spending ₹25,000
Enter your details to get started
| Benefit | Details |
|---|---|
| Seamless digital payments | Link your credit card with UPI apps to pay instantly and earn CashPoints on every UPI transaction. |
| Digital-only card | Automatically registered in HDFC Bank MyCards; no physical card required. |
| Cost-effective | Annual fee of ₹99 + GST, waived on annual spends of ₹25,000 or more. |
| Flexible credit | Enjoy up to 50 days of interest-free credit on purchases. |
| Maximise benefits | Earn up to 3% CashPoints on groceries, dining, and supermarket spends. |
| Attribute | Classification |
|---|---|
| Issuer / Provider | HDFC Bank |
| Bank / Non-bank | Bank-affiliated |
| Category | Rewards / UPI Payments |
| Type of Card | RuPay Credit Card (UPI-enabled) |
| Free or Paid | ₹99 + GST Annually (waived on spends of ₹25,000) |
The Reliance SBI Card PRIME is ideal for digital payment enthusiasts who want to combine the convenience of UPI with credit card benefits. As a virtual-first card for existing HDFC Bank credit cardholders, it delivers excellent value for everyday spending categories like groceries, dining, and utility bills while seamlessly integrating with all major UPI apps.
UPI Integration: Link your credit card with popular UPI apps such as Google Pay, PhonePe, Paytm, BHIM, and PayZapp for instant merchant payments using QR codes or UPI IDs.
Digital-First Experience: Issued as a virtual-only card, automatically registered in HDFC Bank MyCards for easy access and management.
Accelerated Rewards: Earn up to 3% CashPoints on groceries, dining, and supermarkets, 2% on utility bills, and 1% on all other eligible spends.
Floater Card Advantage: Added on your existing HDFC Bank credit card with shared credit limit, allowing separate UPI-enabled usage.
Wide UPI Acceptance: Pay at online/offline stores, supermarkets, malls, and e-commerce sites. Only person-to-merchant (P2M) transactions are permitted.
Interest-Free Credit: Enjoy up to 50 days of interest-free credit from the date of purchase, subject to merchant charge submission.
Easy Application: Apply entirely online through HDFC Bank MyCards or PayZapp app if you are an existing HDFC Bank credit cardholder.
The RuPay variant enhances value by enabling UPI payments while earning rewards on daily spends across multiple categories, making it highly versatile for modern digital transactions.
Birthday Bonus: Earn 20 Reward Points per ₹100 spent on your birthday (day before, day of, and day after).
Elevated Category Points: Get higher points on select categories such as groceries, departmental stores, and dining, depending on the card variant.
Base Earn Rate: On all other eligible spends, earn 2 Reward Points per ₹100 (or the applicable base rate).
Gift Vouchers: Redeem points for vouchers from partner brands such as Yatra, Pantaloons, and others.
Statement Credit: Use points to reduce your credit card outstanding.
Merchandise & Lifestyle Options: Redeem via the Rewards Catalogue for various products and experiences.
Receive a welcome e-Gift Voucher worth ₹3,000 from a selection of partner brands (available upon payment of the applicable fee).
Annual Fee Waiver: Achieve annual fee waiver by spending ₹3 Lakh in the previous year.
Additional Lifestyle Vouchers: Receive bonus vouchers on higher spend thresholds for select variants.
1% fuel surcharge waiver on transactions between approximately ₹500–₹4,000 at all petrol pumps.
Cap Limits: Maximum waiver limits apply depending on the card variant.
| Fee Type | Amount | Details |
|---|---|---|
| Joining Fee | ₹99 + GST | One-time fee charged when the card is issued. |
| Annual Fee | ₹99 + GST | Waived if annual spends are ₹25,000 or more before the 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 | Waiver on fuel transactions between ₹500–₹4,000 at all fuel pumps; maximum cap applies. |
| 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 (Salaried Individuals) | Minimum 21 years |
Age (Self-Employed Individuals) | Minimum 25 years |
Age (Retired Pensioners) | Above 40 years |
Maximum Age | Up to 70 years |
Occupation | Salaried / Self-Employed |
Other Criteria | Regular source of income, good credit score, valid PAN card, valid Aadhaar card or any government-issued address proof |
| Document Type | Details |
|---|---|
| Identity Proof | PAN Card |
| Address Proof | Aadhaar Card (with first 8 digits masked) or any valid government-issued address proof |
| Income Proof | Salary slip, Income Tax Return (ITR), or other relevant documents as per bank policy |
Click on Apply Now: Hit the 'Apply Now' button to start your application.
Fill in Your Detail: Enter your personal, contact, and financial details in the application form.
Upload Required Documents: Upload your PAN Card, Aadhaar/Address Proof, and Income Proof.
Submit Your Application: Review all the details and click Submit.
Approval & Card Delivery: Once approved, your Paytm SBI Card SELECT will be delivered to your registered address.
| Usage Tips | Details |
|---|---|
Maximise Rewards | Use the card for dining, departmental stores, and lifestyle spends to earn elevated points. |
Redeem Reward Points | Exchange points for brand vouchers, statement credit, or lifestyle merchandise. |
Pay Utility Bills | Use Easy Bill Pay facility for electricity, mobile, and other utility payments. |
Track Spending | Monitor transactions, reward point accumulation, and statements via SBI Card app or portal. |
Set Up Alerts | Enable SMS/email alerts to stay updated on payment due dates, reward milestones, and large spends. |
Manage Credit Limit | Keep track of your available credit and avoid overlimit charges by regularly checking your card statement. |
UPI Payments | Link the card with UPI apps for fast, secure payments while still earning CashPoints. |
Online Shopping | Use for e-commerce purchases to earn rewards and enjoy safety features like virtual card numbers. |
EMI Conversions | Convert large purchases into easy monthly EMIs directly via SBI Card app if needed. |
Card Security Tips | Enable transaction alerts, temporary card lock, and two-factor authentication for safer card usage. |
Pay on Time | Avoid interest and late fees by setting up auto-pay or reminders for due dates. |
Promotions & Offers | Check the SBI Card app or website regularly for limited-time offers on dining, travel, and lifestyle categories. |
The Reliance SBI Card PRIME 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.