SBI CardReliance SBI Card
SBI Card ·
Reliance SBI Card
Joining ₹499 · Annual ₹499 · Reversed on ₹1 lakh of annual spends
Fee break-even: ≈₹1,99,600/yr through this card at its base rate. Below that, the fee eats the rewards.
Earns Reward Points · assumed 0.25 ₹/point. 4 points = ₹1 on redemption
Verified 13 Aug 2026Forex markupNot stated, assume 3.5%
Fuel surcharge1% waived between ₹500 and ₹3,000
EMINil on 3 months, then ₹45 at 6, ₹69 at 9, ₹89 at 12, ₹129 at 18 and ₹169 at 24 months, and only on purchases of ₹20,000 or more processing fee · A converted purchase stops earning rewards · Nothing at all to pay on a 3 month plan, and the fee only bites once the purchase reaches ₹20,000. Minimum ₹2,500 to convert. · Flexipay and merchant EMI earn nothing
Milestones
- ◆ Spend ₹25,000 per year → ₹500 Reliance Retail voucher at ₹25,000 of annual spends at participating stores Worth ₹500
- ◆ Spend ₹80,000 per year → ₹2,250 of Reliance Retail vouchers at ₹80,000 Worth ₹2,250
Return by category
| Category | Return | Notes |
|---|---|---|
| Online spend | 2.5% | 10 points per ₹100 on AJIO and JioMart online, except UPI payments. Caps sit in SBI's terms · The 10X applies at the two Reliance online stores, not the whole internet |
| Amazon | 2.5% | Uses its online rate |
| Flipkart | 2.5% | Uses its online rate |
| Subscriptions & OTT | 2.5% | Uses its online rate |
| Offline spend | 1.25% | 5 points per ₹100 at participating Reliance Retail stores |
| UPI spending | 0.25% | A RuPay variant pays on UPI at the base rate. The Reliance 10X explicitly excludes UPI payments, even at Reliance's own stores |
| Dining | 0.25% | Base rate |
| Swiggy | 0.25% | Base rate |
| Zomato | 0.25% | Base rate |
| Groceries | 0.25% | Base rate |
| Quick commerce | 0.25% | Base rate |
| Swiggy Instamart | 0.25% | Base rate |
| Blinkit | 0.25% | Base rate |
| BigBasket | 0.25% | Base rate |
| Movies & shows | 0.25% | Base rate |
| BookMyShow | 0.25% | Base rate |
| PVR INOX | 0.25% | Base rate |
| Fuel | 0% | Fuel earns nothing beyond the surcharge waiver |
| Travel (general) | 0.25% | Base rate |
| Flights | 0.25% | Base rate |
| Hotels | 0.25% | Base rate |
| MakeMyTrip | 0.25% | Base rate |
| IRCTC rail | 0.25% | Base rate |
| International | −3.25% | 0.25% reward − 3.5% forex markup |
| Utilities & bills | 0.25% | Base rate |
| Rent | 0% | Rent earns nothing |
| Education fees | 0.25% | Base rate |
| Insurance premiums | 0.25% | Base rate |
| Government & tax | 0.25% | Base rate |
| Wallet loads | 0% | Wallet loads earn nothing |
| Anything else | 0.25% | Base rate |
| Jewellery | 0.25% | Base rate |
Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.
Also worth knowing
- Welcome: ₹500 Reliance Retail voucher on paying the joining fee
Other exclusions
- Flexipay and merchant EMI earn nothing
What we liked
- Vouchers stack fast: ₹500 on joining, ₹500 at ₹25,000 and ₹2,250 at ₹80,000
- 2.5% on AJIO and JioMart
- The ₹499 fee reverses at just ₹1 lakh
What to mind
- The good rates live inside Reliance's own stores
- 0.25% everywhere else
- UPI payments are excluded from the 10X even at Reliance
Sources
Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.
- https://www.sbicard.com/en/personal/credit-cards/shopping/reliance-sbi-card.page
- https://www.ril.com/