Reliance SBI Credit Card: New Reward Rules Coming in October 2025

Reliance SBI Credit Card users have something to look forward to. SBI Card has announced that from October 1, 2025, both regular and PRIME cardholders will earn more reward points on purchases at Ajio and JioMart. This update makes shopping during the festive season more rewarding while also enhancing everyday spending benefits. At the same time, SBI Card will introduce new transaction fees on select payment categories starting November 1, 2025.

These updates are part of SBI Card’s plan to offer more value to its co-branded credit card users, especially those who frequently shop at Reliance Retail outlets or make lifestyle and digital purchases.

Doubled Rewards for Reliance SBI Card PRIME

For Reliance SBI Card PRIME holders, reward points have been doubled. Earlier, cardholders earned 10 points for every Rs 100 spent at Ajio and JioMart. From October 1, 2025, this will increase to 20 points per Rs 100.

The official SBI Card announcement reads:

"W.e.f. 1st Oct'25, earn 20 Reward Points for every Rs. 100 spent with your Reliance SBI Card PRIME on shopping at Ajio and JioMart. Happy Shopping! T&C Apply."

This change is especially beneficial for lifestyle and festive shopping. PRIME cardholders can maximize rewards on fashion, electronics, and groceries while enjoying premium perks such as airport lounge access and milestone benefits.

More Rewards for Regular Reliance SBI Cardholders

Regular Reliance SBI Card users will also benefit from the update. The reward points for purchases at Ajio and JioMart have increased from 5 to 10 points per Rs 100.

As per SBI Card’s official update:

"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. Happy Shopping! T&C Apply."

This means everyday shopping, including groceries and fashion, will now offer higher returns for cardholders. Users who spend regularly at Reliance Retail stores will accumulate points faster and can redeem them for vouchers, cashback, or other rewards.

New SBI Card Fees Starting November 2025

Alongside the reward points update, SBI Card will introduce new transaction fees effective November 1, 2025.

• Education Payments via Third-Party Apps: Payments made through platforms like CRED, Cheq, and MobiKwik will have a 1 percent transaction fee.
• Wallet Load Charges: Wallet load transactions above Rs 1,000 will now attract a 1 percent fee.

Cardholders should plan these payments carefully to avoid additional charges. Despite these fees, the increased rewards on shopping make the Reliance SBI Credit Card a valuable option.

Features of Reliance SBI Card PRIME

The PRIME card comes with an annual fee of Rs 2,999 plus applicable taxes. Cardholders can waive the renewal fee by spending Rs 3 lakh or more annually.

Key benefits of the PRIME card include:

• International Lounge Access: Four complimentary international airport lounge visits per year through the Priority Pass Program, which covers over 1,000 lounges worldwide.
• Domestic Lounge Access: Two complimentary domestic airport lounge visits per quarter. Cardholders can swipe their card at the lounge counter to access these lounges.
• Higher Rewards: Earn 20 points per Rs 100 spent at Ajio and JioMart.

These benefits make the PRIME card ideal for high spenders and frequent travelers looking for a complete lifestyle and shopping solution.

Benefits of Regular Reliance SBI Credit Card

The regular Reliance SBI Card comes with an annual fee of Rs 499 plus applicable taxes. Cardholders can get a renewal fee waiver if they spend Rs 1 lakh or more annually at participating Reliance Retail stores.

Key advantages include:

• Reward Points: Earn 10 points per Rs 100 spent at Ajio and JioMart from October 2025.
• Reliance Retail Vouchers: Spend Rs 25,000 or more annually at Reliance stores to receive Rs 500 in vouchers.
• Shopping Rewards: Perfect for everyday purchases like groceries, fashion, and lifestyle items.

Redeeming Reward Points

Reward points earned through the Reliance SBI Credit Card or PRIME card can be redeemed via the SBI Card website or mobile app. Users can convert points into vouchers for Ajio, JioMart, or other participating platforms. Points can also be used for cashback, travel, or fuel depending on the options available.

The updated reward structure makes it easier to calculate points and enjoy maximum value for both festive and everyday spending.

Who Should Apply

• Frequent Reliance Shoppers: Those who regularly shop at Ajio, JioMart, or Reliance outlets will benefit the most.
• Lifestyle Shoppers: PRIME users looking for fashion, electronics, and travel perks will find value in the doubled reward points and lounge access.
• Digital Payment Users: Those making online payments or using wallets for purchases can plan payments efficiently to avoid the new transaction fees.

The application process is simple and can be done online on the SBI Card website or through select Reliance Retail stores.

Bottom Line

The Reliance SBI Credit Card updates from October 2025 bring higher rewards, more flexibility, and additional lifestyle benefits. Non-PRIME users will earn 10 points per Rs 100, while PRIME users enjoy 20 points per Rs 100 spent at Ajio and JioMart.

Combined with vouchers, lounge access, and milestone benefits, the card is now more rewarding than ever for everyday and festive shopping. Cardholders should also be aware of the new fees starting November 2025 and plan payments accordingly.

Whether you already have the card or are planning to apply, the Reliance SBI Credit Card offers an attractive way to earn rewards, save on shopping, and enjoy premium benefits.