Reliance SBI Card
A Reliance Retail co-brand card: 10 points per ₹100 on AJIO and JioMart, 5 per ₹100 at other Reliance Retail stores and on dining and movies, 1 per ₹100 elsewhere; 4 points = ₹1, redeemable only as Reliance Retail vouchers. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹499 plus GST Product page |
|---|---|
| Annual fee | ₹499 plus GST Product page |
| Annual fee waiver | On ₹1,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| Dining and movies | 5 points per ₹100 Product page | up to 5,000 points a statement cycle Terms |
| Other retail purchases | 1 point per ₹100 Product page | no cap on record |
Points are redeemed only in a closed loop, for Reliance Retail vouchers.
UPI payments at participating Reliance Retail stores earn 1 point per ₹100; no rate is published for other UPI payments. Merchant EMI and Flexipay spends earn nothing.
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹3,000, up to ₹100 a statement cycle Product page
- Welcome: Reliance Retail voucher worth ₹500 on payment of the joining fee Product page
Also on this card
Quoted from SBI Card; not counted in the net value.
- 10 points per ₹100 on AJIO and JioMart online (not on UPI payments) Product page
- 5 points per ₹100 at other participating Reliance Retail stores (not on UPI payments) Product page
- Reliance Retail vouchers of ₹500, ₹750 and ₹1,000 at ₹25,000, ₹50,000 and ₹80,000 of annual spends at participating Reliance Retail stores Product page
- 5 points per ₹100 on movies (within the 5,000-point monthly cycle cap shared with dining) Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- eligibility criteria
- a reward rate on UPI spends outside Reliance Retail stores
Where SBI Card’s documents differ, and what is used
- Milestone vouchers: the product feed says "on annual spends of Rs. 80,000 at participating Reliance Retail Stores" and does not make clear whether the spends must be made at Reliance Retail stores or the vouchers are only usable there; the milestones are shown as a highlight, not priced.
The quotes behind the figures
34 figures, each copied from an official SBI Card document.
Show every quote and source
“The Annual Fee of the card is Rs. 499 + taxes. The Renewal Fee is Rs. 499 + taxes from second year onwards.”
“Renewal Fee (per annum): Rs. 499 + taxes from second year onwards”
“for the cardholders having State of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%”
“Renewal Fee reversed if annual spends for last year >= Rs.1,00,000”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“e. 4 Reward Points = INR 1”
“5 Reward Points per Rs. 100 spent on dining & movies”
“Cumulative 5 Reward Points accrued per `100 spent on Dining & Movies for your Reliance SBI Card will have a maximum cap of 5,000 Reward Points per statement Cycle.”
“After the cap limit of 5,000 Reward points is achieved, 1 Reward Points for every `100 spent, as per the card policy, will continue to accrue.”
“1 Reward Point per Rs. 100 spent on other retail purchases (except fuel, property rental, wallet upload)”
“d. 1 RP on every `100/- spent on other retail purchases (except Fuel, Wallet upload, and Rent Payments).”
“any purchases at petrol pumps/service stations (MCCs : 5172, 5541, 5542, 5983)”
“E wallet loading transactions identified under MCCs 6540 and 6541 w.e.f 1st July'20”
“W.e.f. 01 Apr 2024, accrual of Reward Points on Rent Payment transactions with Reliance SBI Card will be discontinued.”
“W.e.f. 15 June 2024, accrual of Reward Points on Govt Related transactions with Reliance SBI Card will be discontinued.”
“"isOnline" : "yes", "isVisibleOnWebsite" : "yes",”
“b. For payments made through UPI (applicable only on RuPay Card) at participating Reliance Retail stores, 1 Reward Points per `100 spent will continue to accrue.”
“Reliance SBI Card 499 499 (Waived off on annual spends of Rs.1 Lakh or more in the preceding year)”
“1 Reward Point = Rs. 0.25”
“c. The Points can only be redeemed against the Reliance Retail Vouchers only.”
“Rs. 500 worth Reliance Retail Voucher on annual spends of Rs. 25,000 at participating Reliance Retail Stores”
“Rs. 750 worth Reliance Retail Voucher on annual spends of Rs. 50,000 at participating Reliance Retail Stores”
“Gift Vouchers are redeemable only at participating Reliance Retail Stores”
“W.e.f. 1st Oct'25, earn 10 Reward Points for every Rs. 100 spent with your Reliance SBI Card on shopping at Ajio and JioMart.”
“Reliance SBI Card - Benefits & Features - Apply Now”
“Additional discount vouchers worth Rs. 3200 /- of various participating Reliance Retail Stores.”
“Enjoy a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at all petrol pumps across India”
“Maximum waiver of Rs. 100 per statement cycle.”
“Get Reliance Retail Voucher worth Rs. 500 on payment of Joining Fee”
“10 Reward Points per Rs. 100 spent on AJIO & JioMart Online Stores (except on UPI Payments)”
“5 Reward Points per Rs. 100 spent on other participating Reliance Retail Stores (except on UPI Payments)”
“Rs. 1,000 worth Reliance Retail Voucher on annual spends of Rs. 80,000 at participating Reliance Retail Stores”
“"ctaText" : "APPLY NOW", "ctaView" : "primary", "ctaTarget" : "_blank", "urlType" : "external", "internalurl" : "https://www.sbicard.com/sprint/reliance",”
“B. The RuPay/Mastercard logo: The hologram and the logo ensure that all establishments throughout the world displaying the RuPay/Mastercard logo will accept your card.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology