SBI Card
Classic · Reliance
Reliance SBI Credit Card
SBI Card
Earn 5X rewards at Reliance stores with everyday shopping benefits
Annual Fee
₹499
Joining Fee
₹499
Reward Rate
0.3%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,411
Total Annual Benefits
₹3,000
Total Annual Charges
₹589
ROI
409%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Shopping Benefits (1)
5 Reward Points per ₹100 at Reliance Stores
Earn 5 reward points per ₹100 at Reliance Fresh, Smart, Trends, and Digital
- • Valid at Reliance Fresh, Smart, Trends, Digital stores
5 RP per ₹100
Reward Points (1)
1 Reward Point per ₹100 on All Other Spends
Earn 1 reward point per ₹100 on all other retail spends
1 RP per ₹100
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Reward Program
Program
SBI Reward Points
1 RP per ₹100 (5X at Reliance stores)
Effective cashback: 0.25%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & Vouchers (1 RP = ₹0.25)
- → Cashback (1 RP = ₹0.20)
- → Statement Credit
Bonus Categories
Reliance Stores
5x multiplier
5 reward points per ₹100 at Reliance stores
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹499 Excluding 18% GST |
| Annual Fee | ₹499 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹950
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,40,000
- Min. Credit Score
- 700
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹20,000
- • Self-Employed: Minimum ITR of ₹2.4 Lakh p.a.
- • Age 21–60 years
Insurance Coverage
0 0 0
Lost Card Liability
₹1.0 L
Report within 24h
- • Lost card liability cover up to ₹1 Lakh
Airport Lounge Access
Domestic
0 visits/year
N/A
International
0 visits/year
N/A
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹2,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Add-on cards available EMI conversion facility Reliance store rewards
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The Reliance SBI Credit Card is a co-branded retail card offering 5 reward points per ₹100 at Reliance stores (Reliance Fresh, Reliance Smart, Relianc...
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