What is the reward rate on the Reliance SBI Card PRIME?

You earn 20 points per ₹100 on AJIO & JioMart Online Stores. Everything else earns 10 points per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 2000 points, roughly ₹500, which is about 5% back. Fuel, Property Rental, Wallet Upload earn nothing at all.

Does the Reliance SBI Card PRIME give free airport lounge access?

The Reliance SBI Card PRIME gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. International lounge visits are capped at 4 a year. There is no prior spend requirement on paper, though SBI Card has been moving cards to spend linked access, so confirm before you rely on it at the airport.

What changed on the Reliance SBI Card PRIME recently and is it still worth it in 2026?

Ajio/JioMart earn boosted to 20 RP (Oct 2025) but air accident insurance removed (Jul 2025); SBI fees/lounge changes. The changes are dated Jul 2025; Oct 2025. At ₹3L of yearly spend the card returns roughly ₹1,500 at its general rate of about 0.5%, against a ₹2,999 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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Card Details

5592 9410 4682 2453

Reliance SBI Card PRIME

SBIMASTERCARD AND RUPAY

Monzy Score

8.5/ 10

Excellent for online shoppers.

Strong ~5% back in its core category; high 3.5% forex markup.

Card Issuer

SBI Card

Joining Fee

₹2,999

Annual Fee

₹2,999

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Neelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026

Earn Points

10pts

/₹100 on Ajio & Jiomart

10pts

/₹100 on Reliance Retail Stores (Excl. Upi)

5pts

/₹100 on Movies & Entertainment

5pts

/₹100 on Domestic Airlines

Benefits

Shopping

Up to 20 RP per ₹100 on AJIO/JioMart

Travel

8 domestic + 4 international lounge visits/year

Protection

Annual fee waiver at ₹3 lakh annual spend

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel, rent, wallet, emi

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

AJIO & JioMart

~5%

₹1,500

Other Reliance Retail stores

2.50%

₹0

Dining, movies, entertainment, flights

1.25%

₹0

All other retail spends

0.50%

₹0

Total Annual Return

₹18,000

5% Effective ROI

What Users Are Saying

Community Feed

Oct 2025

Reliance SBI Card PRIME

Offers from SBI Card

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What Users Are Saying

Frequently Asked Questions

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Reliance SBI Card PRIME

Offers from SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

Reliance SBI Card PRIME

Offers from SBI Card

Earn Points

Benefits

Reward Calculator

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind