SBI Prime Credit Card - Features, Benefits & Apply Online

About Reliance SBI Card Prime

The Reliance SBI Card Prime is a premium co-branded credit card from SBI Card and Reliance Group. It offers benefits across multiple Reliance brands like Jio Mart, Ajio, Reliance Trends, Cover Story, Zivame, Netmeds, Reliance Jewels, Urban Ladder, and more — covering clothing, footwear, furniture, and everyday needs.

This card gives loyal Reliance shoppers savings in three ways:

Accelerated rewards on Reliance spends.
Welcome discount vouchers.
Milestone Reliance Retail vouchers.

You can get a 2.5% value-back on Reliance retail spends, extra discount vouchers worth up to ₹11,999, and milestone vouchers worth up to ₹8,750 with a spend of just ₹3 lakh.

It’s ideal if you shop often at Reliance brands. But before applying, check if other all-rounder cards offer better overall returns for your spending habits. Make sure the welcome, milestone, and discount benefits outweigh the lower reward rate.

Reliance SBI Card Prime Rewards Program

Rewards Program:

10 Reward Points per ₹100 spent at participating Reliance Retail stores.
5 Reward Points per ₹100 spent on dining, movies & entertainment, domestic airlines, and international purchases.
2 Reward Points per ₹100 spent on other retail purchases.
Value of 1 Point: ₹0.25.

Other Features and Benefits

Cashback Offer:

5% cashback on Jio Mart spends (max ₹1,000 per month).

RelianceOne Offer:

Extra 1 RelianceOne point per ₹200 on offline grocery spends and Fashion Factory purchases.

Milestone Benefits:

₹1,500 Reliance Retail voucher on spends of ₹75,000/year.
₹2,250 Reliance Retail voucher on spends of ₹1.5 lakh/year.
₹5,000 Reliance Retail voucher on spends of ₹3 lakh/year.

Activation Benefits:

₹3,000 Reliance Retail voucher on activation.
Additional discount vouchers worth ₹11,999 across Reliance brands:

Brand	Voucher Value	Min. Transaction Value
Jio Mart	₹250	₹1,250
AJIO	₹750	₹3,999
Reliance Trends	₹1,000	₹3,999
Azorte	₹750	₹5,000
Fashion Factory	Any Denim @ ₹999	–
Coverstory	₹2,500	Max redemption at 10% of bill
Zivame	₹500	₹1,999
Urban Ladder	₹2,500	Max redemption at 10% of bill
Netmeds	₹500	₹1,999
Clovia	₹500	₹1,999
Reliance Jewels	₹2,000	₹49,999 (Diamond Jewellery)

Ongoing Brand Discounts:

Reliance Trends – 10% off (up to ₹750/month)
AJIO – 5% off (up to ₹1,000/month) on orders above ₹2,999
Azorte – 10% off (up to ₹1,000) on orders above ₹7,000
Zivame – 5% off (up to ₹1,000/month)
Cover Story – 10% off (up to ₹1,000/month)
Urban Ladder – 5% off (up to ₹750/transaction)
Reliance Jewels – 2% off, twice a month

Extra Perks:

Movies: 1 free movie ticket every month (worth ₹250) via BookMyShow.
Lounge Access: 8 free domestic airport lounge visits (max 2 per quarter) and 4 international lounge visits (max 2 per quarter) each year.
Fuel: 1% fuel surcharge waiver (up to ₹100) at all petrol pumps in India.
Fee Waiver: Renewal fee waived if you spend ₹3 lakh in a year.

Things to Know Before you apply

Get this card if:

You often shop at Reliance brands like Reliance Trends, AJIO, Jio Mart, etc.
You’re loyal to these brands and don’t plan to switch.
You spend enough at these stores to fully use the monthly discount vouchers.
You already have other cards for general spending and want this one mainly for Reliance brand savings.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For Reliance SBI Card Prime

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

Reliance SBI Card Prime Hilights

What do we like about this card?

Cashback on JioMart – Can be used only for general merchandise and fashion categories.
Milestone vouchers – Calculated only on spends at participating Reliance Retail Stores.
Extra vouchers on activation:
1. Reliance Trends: Discount valid on apparel & footwear.
2. Reliance Jewels: 2% off on gold making charges and 2% off on diamond invoice value (only for select SKUs).
3. AJIO: Discount applies after all other offers.
Rewards exclusions – No rewards for fuel, property rent, or wallet top-ups.
Fuel surcharge waiver – Available for transactions between ₹500 and ₹4,000.

Pros

Excellent co-branded perks like faster rewards, bonus vouchers, and discounts
Welcome benefits exceed the joining fee value
Annual fee waiver is easy to achieve
Lounge access doesn’t depend on spending targets
Decent reward rate of 2.5%
Multiple milestone benefits

Cons

Low redemption value (4 points = ₹1)
Can redeem rewards only at Reliance Retail stores

SBI Bank Credit Card Contact Details

SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.

Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
Simply SMS: Send an SMS to 5676791 from your registered mobile number.