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Reliance SBI Credit Card

SBI Card has launched the Reliance SBI Credit Card, a budget-friendly option for those who enjoy shopping, especially at Reliance stores. The card comes with a low joining fee of Rs. 499 and gives you a welcome gift of Reliance Retail Vouchers worth Rs. 500, along with additional discount vouchers valued at Rs. 3,200. If you frequently shop at Reliance stores, this card is a great choice since it offers 5 Reward Points for every purchase made there. Apart from its rewarding system for shopping, the card also provides milestone benefits. For example, if you spend Rs. 1 lakh in a year using this card, your renewal fee will be waived. 

This makes it an excellent option for people looking for a credit card with good value and low costs. Not only does this card give 5 Reward Points for Reliance store purchases, but you also earn 5 Reward Points when you spend on dining and movies. These features make it attractive for both shopping and entertainment purposes. Another big advantage is that this card is RuPay-enabled. This means you can link it to your UPI app, allowing you to make payments quickly and conveniently. It’s especially helpful for younger users who prefer digital payment methods. Overall, the Reliance SBI Card is a solid entry-level credit card, ideal for anyone looking to save money while enjoying rewards on their daily spending.

Credit Card Detail
Joining Fee
Rs. 499.00 +GST
Renewal Fee
Rs. 499.00 +GST
Best Suited For
Shopping | Dining
Reward Type
Reward Points
Welcome Benefits
You’ll get Reliance Retail Vouchers worth Rs. 500 and extra discount vouchers totaling Rs. 3,200.
Rewards Rate
You’ll earn 5 reward points for every Rs. 100 spent at Reliance stores, on dining, and movies. For other purchases, you’ll get 1 reward point for every Rs. 100 spent.
Reward Redemption
Each reward point is worth 25 paise.
Movie & Dining
You’ll earn 5 reward points for every Rs. 100 you spend.
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
The interest rate is 3.5% per month, which adds up to 42% for the entire year.
Spend-Based Waiver
If you spend Rs. 1 lakh in a year, your annual fee will be waived.
Rewards Redemption Fee
Rs. 99 plus taxes
Cash Advance Charges
It’s 2.5% of the amount or at least Rs. 500, whichever is higher.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
You’ll get a 1% discount on fuel transactions between Rs. 500 and Rs. 4,000.
Card Details
  • Earn 5 Reward Points for every Rs. 100 spent at Reliance Stores, dining, and movies; 1 Reward Point for every Rs. 100 spent on other purchases and UPI payments at Reliance Stores.
  • Each Reward Point equals Rs. 0.25, with no points on rental, fuel, or wallet transactions.
  • Joining and annual fee: Rs. 499 + GST
  • Welcome benefits: Rs. 500 in vouchers and additional discount vouchers
Pros/Cons
Pros
- This card allows you to earn 5 Reward Points for every purchase made on dining and movie tickets. It also comes with an affordable joining fee of Rs. 499.
Cons
- A downside of the Reliance SBI Card is that, unlike some other entry-level cards, it does not offer lounge access. However, it is mainly beneficial for customers who regularly shop at Reliance stores.
Frequently Asked Questions

Can I use my Reliance SBI Card at stores that don’t support contactless payments?

Yes, if the merchant does not support contactless payments, you can still use your Reliance SBI Card for regular dip or swipe transactions.

What is the limit for contactless transactions with the Reliance SBI Card?

Contactless payments with the Reliance SBI Card have a limit of Rs. 5,000 per transaction, with no PIN required. For transactions over Rs. 5,000, you must use a chip (Dip) or swipe transaction and enter your PIN. This limit applies to all users, and you cannot change it.

Where can I use my Reliance SBI Card for contactless payments?

You can use your Reliance SBI Card at any merchant that supports contactless payments. Look for the Universal Contactless symbol on the POS machine. You can also check sbicard.com for a list of merchants that accept RuPay contactless payments.

Will I be charged twice if I carry multiple contactless cards?

No, contactless payment readers can only process one card at a time. If multiple contactless cards are detected, you’ll be prompted to choose one card for payment.

What should I do if my Reliance SBI Card is lost or stolen?

If your Reliance SBI Card is lost or stolen, report it immediately to SBI Card to block it. You can do this through the helpline or the SBI Card App/Website. Lost cards are protected, as payments over Rs. 5,000 require a PIN. Your liability is limited to your available credit limit.

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