Cards · SBI Card

Reliance SBI Card PRIME: rewards, caps and exclusions

The Reliance SBI Card PRIME pays about 5% on AJIO & JioMart Online Stores (online), and 0.5% on everything else. Below is every rate, cap and exclusion in SBI Card's published terms, as we last checked them on 9 October 2026.

Mastercard, RuPay₹2,999 a yearPaid in points

What it earns

≈5%AJIO & JioMart Online Stores (online)no cap stated

≈2.5%Other Participating Reliance Retail Stores (in store / online)no cap stated

≈1.25%Food, Entertainment, Transport, International Spendson the first ₹1,50,000 of spend a cycle

≈0.5%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Wallet loads
Rent (since 1 April 2024)
Government payments (since 15 June 2024)
EMI conversions
Cash withdrawals and fees

What costs extra

Worse than earning nothing: SBI Card charges a fee for these.

1% on Utility Payments Fee, plus GST

Milestones

In SBI Card's own words:

Rs. 1500 worth Reliance Retail Voucher on annual spends of Rs. 75,000 at participating Reliance Retail Stores → ₹1,500 Reliance voucher
Rs. 2250 worth Reliance Retail Voucher on annual spends of Rs. 1,50,000 at participating Reliance Retail Stores → ₹2,250 Reliance voucher
Rs. 5,000 worth Reliance Retail Voucher on annual spends of Rs. 3,00,000 at participating Reliance Retail Stores → ₹5,000 Reliance voucher

Fees

Annual fee: ₹2,999, plus 18% GST
Joining fee: ₹2,999
Annual fee waived on ₹3,00,000 of spend in a card year

Welcome benefit: Reliance Retail voucher ₹3,000 + discount vouchers "worth Rs. 11999" at participating Reliance stores (discounts, not cash) on paying the joining fee.

Where this comes from

Transcribed from SBI Card's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with SBI Card's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your SBI Card statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works