Reliance SBI Card

Renewal feeJoining fee

₹499 + GST₹499 + taxes from second year onwards, per annum

Fee waiver rule

Renewal Fee reversed if annual spends for last year >= ₹1,00,000.

Add-on card fee

₹0Nil, per annum

Welcome benefit

Reliance Retail Voucher worth ₹500 on payment of Joining Fee.

Reward rate

1 Reward Point per ₹100 · everyday spends1 Reward Point per ₹100 spent on other retail purchases.

Online earning

10 Reward Points per ₹100 spent on AJIO & JioMart Online Stores.

Reward earning on dining spends

5 Reward Points per ₹100 spent on dining & movies.

Reward exclusions

Except fuel, property rental, wallet upload.

Point expiry

Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month

What one reward unit is worth

1 Reward Point = ₹0.25.

Hotel or travel programme

Up to 12% instant discount on hotel bookings worldwide via Agoda; up to 15% discount on Room Bookings and F&B at Lalit Hotels

Hotel or travel programme

Up to 15% cashback on hotels and flight bookings at MakeMyTrip

Milestone benefits

₹2,250 worth Reliance Retail Voucher on annual spends of ₹80,000.

Fuel surcharge waiver

1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at all petrol pumps across India.

Add-on card eligibility

Add-on cards for your parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Transfer outstanding balances of other banks’ credit cards to your Reliance SBI Card at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

Convert eligible purchases into easy monthly EMIs.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Cash advance interest

3.75% p.m. (45% p.a.) for unsecured cards.

Cash withdrawal limit

₹15,000 per day on ATM Withdrawals, subject to Cash Advance Limit availability

Interest on unpaid balance

The current rate of finance charges is upto 3.75% per month [45% per annum] from the transaction date and is subject to change at the discretion of SBI Cards & Payment Services Limited (SBICPSL).

Interest-free period

20-50 days interest-free when you pay in full.

Late payment fee

From Nil (amount due ₹0 to ₹100) to ₹1,300 (amount due above ₹50,000)

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600). Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund.

Payment return or dishonour fee

2% of Payment amount (subject to a minimum of ₹500)

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250

Cheque payment / dishonour fee

Cheque Payment Fee: ₹200

Education / school fee charge

Fee on Education Payments^ : W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of Min. ₹500)

Reward redemption fee

Rewards Redemption Fee: ₹99+ applicable taxes.

Wallet load charge

Fee on Wallet Load^^^ : W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

Fuel transaction fee

1% of transaction amount + all applicable taxes

Rent transaction fee

₹199 processing fee on all rent payment transactions.

Utility transaction fee

If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.

GST note

All taxes would be charged as applicable on all the above Fees, Interest & Charges

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

Minimum Amount Due shall be 100% of GST + 100% of EMI amount + 100% of Fees/Charges +100% of finance charges+ Overlimit Amount (if any) + 2% of remaining balance outstanding.