Reliance Retail consists of brands like AJIO (online shopping), Reliance Trends (lifestyle spends), Jio Mart (groceries), Reliance Jewels (jewellery), Netmeds (online pharmacy), and several other lifestyle brands that come under the Reliance Retail umbrella, including Centro, Fashion Factory, Zivame, and Coverstory.
SBI Cards
Reliance SBI Card
Shopping
Co-branded
Reward Points
1st Year Fee: ₹500* Plus Applicable Taxes
Entry-Level
Low annual fee of Rs. 500
Shopping
Benefits on Reliance Group brands
Rewards
Up to 5 reward points on every Rs. 100
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About Reliance SBI Card
SBI Card and Reliance Group offer co-branded cards in two variants: Reliance SBI Card and Reliance SBI Card PRIME. The Reliance Group covers varied segments like clothing, footwear, furniture, etc., and cardholders can save a significant amount on their daily spends using the co-branded benefits. SBI Card is already in partnership with Landmark Group offering Spar, Max and Home Center credit cards and this new collaboration will specifically cater to Reliance Group loyalists. The reward rate of the base variant is just decent at 1.25%, but still a good option for loyalists seeking a low annual fee card.
Note: This card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit the SBI Card website.
Co-branded Benefits:
- Rewards: 5 reward points for every Rs. 100 spent on the participating Reliance Retail Stores.
- Cashback Offer: 5% cashback, up to Rs. 250 per month on Jio Mart spends1.
- RelianceOne Offer: 1 RelianceOne point per Rs. 200 on offline spends made on groceries and additional 1 RelianceOne point per Rs. 200 spent on Fashion Factory.
- Milestone Benefits2: Reliance Retail voucher worth Rs. 500 on annual spends of Rs. 25,000, worth Rs. 750 on annual Spends of Rs. 50,000 and Rs. 1,000 on annual spends of Rs. 80,000.
- Activation Benefits: Reliance Retail voucher worth of Rs. 500 on activation. Plus, additional discount vouchers3 worth Rs. 3,200 of participating Reliance stores.
Other Features & Benefits:
- Rewards Program4:
- 5 reward points for every Rs. 100 spent on Dining & Movies
- 1 reward point for every Rs. 100 spent on other retail purchases
- Per reward value = Rs. 0.25
- Fee Waiver: Annual fee waiver on spends of Rs. 1 Lakh
- Fuel5: 1% surcharge across all petrol pumps in India
Reliance SBI Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee/Annual Fee | Rs. 499 | ||||||||||||||
| Finance Charges | Up to 3.50% per month (42% per annum) | ||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You prefer shopping at the associated Reliance Group brands
You prefer offline spends over online
You want a low annual fee card
Other Similar Cards:
Max SBI Card
HDFC Shoppers Stop Credit Card
Axis Bank Shoppers Stop Credit Card
Paisabazaar Review
What do we like about this card?
The card offers 1.25% back as a reward rate with discount vouchers worth Rs. 3,200. The milestone benefits seem easily achievable at just Rs. 80,000, giving benefits worth Rs. 2,250 through vouchers. Even the welcome benefits on the card offer a worth more than the joining fee.
Pros
- Multi-brand benefits
- Low annual fee and easy fee waiver condition
- Round-the-year benefits on Reliance brands
- Low spend threshold for milestone benefits
Cons
- No lounge access
- Brand benefits can be restrictive
- Low base reward rate beyond primary categories
Conclusion
The co-branded benefits cover most of the regular shopping needs of the users. But, due to a low reward rate, it is suitable only for people who have multiple brand preferences amongst the list of brands. Plus, most of the benefits are offline, so people who prefer shopping offline can avail the card. If you plan your spends around the brands, with additional reward benefits on dining and movies, the card is not a bad option to consider, especially for beginners, as their first credit card that offers multiple benefits at a low annual fee.
Frequently Asked Questions
Everything you need to know about this credit card
Yes, with the RuPay variant of your Reliance SBI Card, you get 1 reward point per Rs. 100 spent at participating Reliance Retail stores.
No, rental transactions are excluded from the rewards program.
Reward points earned via Reliance SBI Card are redeemable against Reliance Retail vouchers only.
You can contact SBI credit card customer care at 1860 180 1290/1860 500 1290 in case of any disputes or concerns.
Yes, the 1% fuel surcharge waiver is capped at Rs. 100 per statement cycle.
Footnotes
- Redeemable across general merchandise & fashion categories only.
- Milestone benefits are offered basis spends done at participating Reliance Retail Stores only.
- Additional vouchers on activation: For Reliance Trends discount voucher is applicable on Apparel & Footwear, and on Netmeds applicable on online purchase of Pharma / prescription products.
- Fuel, property rental and wallet upload transactions are not eligible for reward earning.
- Fuel surcharge is applicable on transactions between Rs. 500 and Rs. 4,000.
Click here to know More Terms and Conditions
Megha Khanna
Megha is an experienced writer with a specialization in credit cards and personal finance. With a keen eye for detail and a passion for helping readers make informed financial choices, she creates engaging content that demystifies the complexities of credit cards, from rewards and benefits to interest rates and fees.
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