Reliance SBI Credit Card - Complete Details, Features & Benefits
General Information
The Reliance SBI Credit Card is a co-branded credit card offered by SBI Card in partnership with Reliance Retail. This card is specifically designed for frequent shoppers at Reliance retail stores including Reliance Smart, Reliance Digital, Reliance Trends, AJIO, and more. Cardholders enjoy exclusive discounts, reward points, and special benefits when shopping at Reliance outlets. With attractive cashback offers and easy eligibility criteria, this card is perfect for regular Reliance customers looking to maximize their savings.
Basic Details
| Card Issuer | SBI Card in partnership with Reliance Retail |
|---|---|
| Joining Fee | ₹500 + GST |
| Renewal Fee | ₹500 + GST (waived if spends cross ₹50,000 in previous year) |
| Card Category | Co-branded Shopping Credit Card |
| Rewards | 10X Reward Points on Reliance Retail spends, 1 Reward Point = ₹0.25 |
| Airport Lounge | Not Available |
| Railway Lounge | Not Available |
Extra Details
- Fuel Surcharge Waiver: 1% fuel surcharge waiver at all fuel stations (min transaction ₹500, max ₹100 per statement)
- Welcome Benefit: ₹500 Reliance voucher on payment of joining fee
- Contactless Payments: Yes, with NFC technology
- Interest Free Period: Up to 48 days
- Finance Charges: 3.35% per month (40.2% annually)
- Cash Advance Fee: 2.5% of amount (min ₹300)
- Late Payment Charges: Up to ₹1,300
Features & Benefits
- 10X Reward Points: Earn 10 reward points for every ₹100 spent at Reliance Retail outlets
- 5% Cashback: Get 5% cashback as reward points on Reliance Smart, Digital and Trends stores
- Reliance Brands Discounts: Exclusive discounts at Reliance partner brands
- Easy EMI: Convert big purchases into easy EMIs
- Contactless Payments: Secure tap-and-pay feature for faster checkouts
- Zero Liability: Protection against fraudulent transactions
- Add-on Cards: Get add-on cards for family members at no extra cost
- SBI Card Rewards: Redeem points for gifts, vouchers or air miles
Rewards & Cashback
The Reliance SBI Credit Card offers lucrative rewards program tailored for Reliance shoppers:
- Reliance Retail Spends: 10 reward points per ₹100 (5% value back)
- Other Spends: 1 reward point per ₹100 (0.25% value back)
- Reward Redemption: 1 Reward Point = ₹0.25
- Minimum Redemption: 250 points (₹62.50 value)
- Special Offers: Additional discounts and cashback during festival seasons
- Birthday Gift: 250 bonus points on birthday month
Reward points can be redeemed against Reliance vouchers, statement credit, or other options from SBI Card rewards catalog.
Fees & Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹500 + GST |
| Annual Fee | ₹500 + GST (waived if annual spend ≥ ₹50,000) |
| Add-on Card Fee | Free |
| Cash Advance Fee | 2.5% of amount (min ₹300) |
| Late Payment Charges | ₹500 for dues up to ₹10,000 ₹750 for dues ₹10,001-20,000 ₹1,300 for dues above ₹20,000 |
| Overlimit Charges | 2.5% of overlimit amount (max ₹500) |
Eligibility Criteria
To apply for Reliance SBI Credit Card, applicants should meet following requirements:
- Age: 21-60 years (18+ for add-on cards)
- Income: Minimum ₹15,000 per month (₹2 lakh annual income)
- Employment: Salaried or self-employed with regular income
- Credit Score: 750 or above preferred
- Residence: Indian resident with valid address proof
- Existing Relationship: Existing Reliance customers may get preference
Documents Required
Following documents are needed to apply for Reliance SBI Credit Card:
- Identity Proof: PAN Card (mandatory), Aadhaar, Passport, Voter ID or Driving License
- Address Proof: Aadhaar, Passport, Utility bills (not older than 3 months), Rental Agreement
- Income Proof:
- Salaried: Latest 3 months salary slips or Form 16
- Self-employed: ITR for last 2 years with computation of income, bank statements
- Photographs: 1 passport size photograph
Application Process
You can apply for Reliance SBI Credit Card through multiple channels:
- Online Application:
- Visit SBI Card official website
- Select Reliance SBI Credit Card
- Fill the application form with personal, employment and income details
- Upload required documents
- Submit for verification
- Reliance Store Application:
- Visit any Reliance Smart, Digital or Trends store
- Ask for credit card counter
- Fill physical application form
- Submit with documents
- Agent Assistance: Through SBI Card agents at malls or markets
Approval typically takes 7-10 working days post document verification.
How to Maximize Benefits
To get maximum value from your Reliance SBI Credit Card:
- Shop at Reliance Outlets: Maximize 10X rewards by shopping at Reliance Smart, Digital, Trends, AJIO, etc.
- Use for Groceries: Get 5% back on grocery purchases at Reliance Smart stores
- Fuel Purchases: Use for fuel to get 1% surcharge waiver (min ₹500 transaction)
- Pay Bills: Pay utility bills through Reliance Jio app for additional rewards
- Festive Shopping: Look for special discounts during Diwali, Christmas, etc.
- Birthday Month: Make extra purchases in birthday month for bonus points
- Combine Offers: Use card discounts along with store promotions
- Redemption Strategy: Redeem points for Reliance vouchers to get maximum value
Similar Credit Cards
Other shopping-focused credit cards you might consider:
| Card Name | Key Features | Annual Fee |
|---|---|---|
| Amazon Pay ICICI Credit Card | 5% cashback on Amazon, 2% on other online | ₹0 |
| Flipkart Axis Bank Credit Card | 5% cashback on Flipkart, 4% on partner merchants | ₹500 |
| HDFC Millennia Credit Card | 5% cashback on Amazon, Flipkart, etc. | ₹1,000 (waived if spends ₹1 lakh) |
| Axis Ace Credit Card | 5% cashback on bill payments via Google Pay | ₹499 |
| ICICI Bank Coral Credit Card | 2 reward points per ₹100, lounge access | ₹500 |
Official Links
- Official Website: SBI Card - Reliance SBI Credit Card
- Apply Online: Apply for Reliance SBI Credit Card
- Customer Care: 1860 180 1290
- Email: feedback@sbicard.com
Card Review
Pros:
- Excellent rewards for Reliance shoppers (5% cashback equivalent)
- Low joining and annual fee compared to benefits
- Easy to get fee waiver (₹50,000 annual spend)
- Good discount offers at Reliance partner stores
- Simple redemption process for reward points
Cons:
- Limited benefits outside Reliance ecosystem
- No airport lounge access
- Reward rate on non-Reliance spends is low (0.25%)
- Not ideal for those who don't shop frequently at Reliance stores
Verdict: The Reliance SBI Credit Card is a must-have for regular Reliance shoppers, offering substantial savings and rewards. However, if you don't frequently visit Reliance stores, other cashback cards might be more beneficial.
Disclaimer
Note: The information provided here is for informational purposes only and is based on publicly available data. Credit card features, benefits, fees and terms may change without notice. Please verify all details with the official SBI Card website or customer care before applying. This is not the official bank website and we are not affiliated with SBI Card or Reliance Retail. The content here represents our understanding of the product and may contain inaccuracies.
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