About SBI Reliance Credit Card
Reliance SBI Card is an entry-level credit card offered as part of SBI Card’s partnership with Reliance Group. This shopping credit card is designed for users who frequently shop across Reliance brands like Reliance Trends, JioMart, and other retail outlets. SBI Card and Reliance Group offer co-branded credit cards in two variants: Reliance SBI Card and Reliance SBI Card PRIME.
The Reliance Group covers multiple categories such as clothing, footwear, furniture, and more, allowing cardholders to save on everyday purchases through co-branded benefits. SBI Card already has similar partnerships with brands like Landmark Group, and this collaboration specifically targets Reliance loyalists.
With a base reward rate of around 1.25%, the card offers decent returns for its low annual fee. Overall, it is a suitable option for users who regularly shop within the Reliance ecosystem and want basic savings on their daily spends.
Reliance Retail includes popular brands such as AJIO (online shopping), Reliance Trends (fashion and lifestyle), JioMart (groceries), Reliance Jewels (jewellery), and Netmeds (online pharmacy). It also covers several other lifestyle brands like Centro, Fashion Factory, Zivame, and Coverstory.
SBI Reliance Credit Card Rewards Program
Rewards Program:
- Earn 5 reward points per ₹100 spent at participating Reliance Retail stores
- Earn 5 reward points per ₹100 on dining and movie spends
- Earn 1 reward point per ₹100 on other retail purchases
- Reward value: 1 point = ₹0.25
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Activation Benefits
- Get Reliance Retail voucher worth ₹500 on card activation
- Enjoy additional discount vouchers worth ₹3,200 across participating Reliance brands
Also Check: Credit Cards with the Best Sign-up/Welcome Bonus
Brand-wise Discount Vouchers
- JioMart: ₹100 voucher on minimum spend of ₹500
- AJIO: ₹250 voucher on minimum spend of ₹1,499
- Reliance Trends: ₹500 voucher on minimum spend of ₹2,499
- Azorte: ₹500 voucher on minimum spend of ₹5,000
- Fashion Factory: ₹500 voucher on minimum spend of ₹1,499
- Coverstory: ₹250 voucher on minimum spend of ₹1,499
- Zivame: ₹300 voucher on minimum spend of ₹1,199
- Urban Ladder: ₹500 voucher on minimum spend of ₹4,999
- Netmeds: ₹300 voucher on minimum spend of ₹1,499
- Clovia: ₹300 voucher on minimum spend of ₹1,199
Discount Offers
- Get 5% discount at Reliance Trends (up to ₹250 per month)
- Save up to ₹250 per month on AJIO (on orders above ₹2,999)
- Get up to ₹500 discount on Azorte (on orders above ₹3,500)
- Save up to ₹250 per month on Zivame and Cover Story
- Get up to ₹250 discount per transaction on Urban Ladder
Cashback Benefits
- Get 5% cashback (up to ₹250 per month) on JioMart spends
RelianceOne Points
- Earn 1 RelianceOne point for every ₹200 spent on groceries (offline).
- Earn an extra 1 RelianceOne point for every ₹200 spent at Fashion Factory.
Milestone Benefits
- ₹500 voucher on annual spends of ₹25,000
- ₹750 voucher on annual spends of ₹50,000
- ₹1,000 voucher on annual spends of ₹80,000
Also Read: Best Milestone Benefits Credit Cards
Annual Fee Waiver
- Enjoy annual fee waiver on spending ₹1 Lakh in a year
Fuel Benefit
- Save 1% fuel surcharge across all petrol pumps in India
Also Read: Best Fuel Credit Cards
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee/Annual Fee | Rs. 499 |
| Finance Charges | Up to 3.50% per month (42% per annum) |
| Late Payment Charges | | For Outstanding Balance: | Amount: | | Up to Rs. 500 | Nil | | From Rs. 501 to Rs. 1,000 | Rs. 400 | | From Rs. 1,001 to Rs. 10,000 | Rs. 750 | | From Rs. 10,001 to Rs. 25,000 | Rs. 950 | | From Rs. 25,001 to Rs. 50,001 | Rs. 1,100 | | Above Rs. 50,000 | Rs. 1,300 |
|
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Document Required For SBI Reliance Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
SBI Reliance Credit Card Highlights
What do we like about this card?
- Reward points can be redeemed only for general merchandise and fashion categories
- Milestone benefits are applicable only on spends at participating Reliance Retail stores
- Activation vouchers valid for Reliance Trends (apparel & footwear) and Netmeds (pharma/prescription purchases)
- No rewards are earned on fuel, property rent or wallet reload transactions
- Fuel surcharge waiver is applicable on transactions between ₹500 and ₹4,000
Things to Know Before you apply
Get this card if:
- You frequently shop at Reliance Group brands
- You do more offline shopping than online
- You want a credit card with a low annual fee
Pros
- Low annual fee with an easy waiver condition
- Low spend requirement for milestone benefits
- Year-round offers and discounts on Reliance brands
- Rewards across multiple Reliance brand categories
Cons
- Limited brand-specific benefits may not suit all users
- No airport lounge access
- Low base reward rate outside the main spending categories
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number
For Further Support: Contact SBI Customer Care Center
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Frequently Asked Questions
You get one complimentary movie ticket worth ₹250 every month through BookMyShow.
Yes, it is a good choice for shoppers who frequently purchase from Reliance brands like JioMart, AJIO, and Reliance Trends, offering better rewards and lifestyle benefits.
You get a Reliance Retail voucher worth ₹500 along with additional discount vouchers worth ₹3,200 across brands like AJIO, Reliance Trends, and more.
No, the base Reliance SBI Card does not provide lounge access. However, the premium Reliance SBI Card Prime offers domestic and international lounge visits.
Yes, the 1% fuel surcharge waiver is capped at ₹100 per statement cycle.
Yes, with the RuPay variant, you can earn 1 reward point per ₹100 spent at participating Reliance Retail stores through UPI transactions.
