Reliance SBI Card
SBI Card
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You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
Overview
Reliance SBI Card by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹499 + taxes.
VerifiedReliance SBI Card — official card page15 Aug 2026, 6:37 PM ISTSBI Card
Fee waiver
Renewal fee of ₹499 waived off on annual spends of ₹1 Lakh or more in the preceding year.
Verifiedharvested from product page15 Aug 2026, 6:37 PM ISTSBI Card
Renewal fee
₹499 (Waived off on annual spends of ₹1 Lakh or more in the preceding year).
Verifiedharvested from product page15 Aug 2026, 6:37 PM ISTSBI Card
Rewards
Redemption value
- Rewards Redemption Fee: ₹99 (applicable on physical products, statement credit and vouchers sent physically).
- Reward Points are valid for 24 months and expire on the last day of the 24th month if not redeemed.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards)15 Aug 2026, 6:37 PM ISTSBI Card
Reward exclusion
VerifiedReliance SBI Card — official card page15 Aug 2026, 6:37 PM ISTSBI Card
Travel & lounge
Lounge access
Confirm on the official page
Official source not yet captured
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Reliance Retail Voucher worth ₹500 on payment of Joining Fee, plus additional discount vouchers worth ₹3200 of various participating Reliance Retail Stores.
- Vouchers delivered within 30 days post realization of the joining fees.
VerifiedReliance SBI Card — official card page15 Aug 2026, 6:37 PM ISTSBI Card
Milestone benefit
- ₹500 worth Reliance Retail Voucher on annual spends of ₹25,000.
- ₹750 worth Reliance Retail Voucher on annual spends of ₹50,000.
- ₹1,000 worth Reliance Retail Voucher on annual spends of ₹80,000.
- Plus Spend Based Reversal on annual spends of ₹1 Lakh.
- Gift Vouchers redeemable only at participating Reliance Retail Stores.
VerifiedReliance SBI Card — official product page15 Aug 2026, 6:37 PM ISTSBI Card
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Foreign Currency Transaction Fee: 3.5% (Reliance SBI Card is not among the exception cards charged lower rates).
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards)15 Aug 2026, 6:37 PM ISTSBI Card
Charge
- Cash Advance Fee: 2.5% of transaction amount (min ₹500) at domestic and international ATMs.
- Finance Charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
- Minimum finance charge ₹25.
- Cash Payment Fee: ₹250.
- Payment Dishonor Fee: 2% of payment amount (min ₹500).
- Cheque Payment Fee: ₹200.
- Late Payment Charges: Nil up to ₹100.
- ₹100 for >₹100 up to ₹500.
- ₹500 for >₹500 up to ₹1,000.
- ₹750 for >₹1,000 up to ₹10,000.
- ₹950 for >₹10,000 up to ₹25,000.
- ₹1,100 for >₹25,000 up to ₹50,000.
- ₹1,300 for >₹50,000.
- Additional Late Payment Charge ₹100 on missing MAD for two consecutive cycles.
- Overlimit Fee: 2.5% of overlimit amount (min ₹600).
- Card Replacement Fee: ₹100-₹250.
- Dynamic Currency Conversion Fee: 3.5%.
- Rewards Redemption Fee: ₹99.
- Processing Fee on Rent Payment Transactions: ₹199.
- Utility Payments Fee: w.e.f. 1st Dec 2024, 1% if total utility payments exceed ₹50,000 in a billing cycle.
- Fee on Education Payments: w.e.f. 1st Nov 2025, 1% on payments via third-party apps.
- Fee on Wallet Load: w.e.f. 1st Nov 2025, 1% on every wallet load transaction exceeding ₹1,000.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards)15 Aug 2026, 6:37 PM ISTSBI Card
Fuel surcharge waiver
- 1% fuel surcharge waiver (excluding GST) shall be provided for eligible transaction value on select cards.
- Fuel surcharge is 1% of transaction amount + applicable taxes.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards)5 Aug 2026, 12:40 AM ISTSBI Card
Interest-free period
Interest free credit period of 20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards)15 Aug 2026, 6:37 PM ISTSBI Card
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Reliance SBI Card?
Officially traced: Rs. 499.
harvested from product pageWhat is the joining fee on the Reliance SBI Card?
Officially traced: Rs. 499 + taxes.
Reliance SBI Card — official card pageIs the Reliance SBI Card annual fee ever waived?
Renewal fee of Rs. 499 waived off on annual spends of Rs. 1 Lakh or more in the preceding year.
harvested from product pageWhat welcome benefit does the Reliance SBI Card offer?
Reliance Retail Voucher worth Rs. 500 on payment of Joining Fee, plus additional discount vouchers worth Rs. 3200 of various participating Reliance Retail Stores.
Reliance SBI Card — official card pageWhat are the transfer ratios for Reliance SBI Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.sbicard.com/en/personal/credit-cards/shopping/reliance-sbi-card.page.
VerifiedMost Important Terms & Conditions (MITC) – SBI Card (all cards)15 Aug 2026, 6:37 PM ISTSBI Card
Verified 2026-08-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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