Reliance SBI Card PRIME

Renewal feeJoining fee

₹2,999 + GST

Fee waiver rule

Fee waived if you spend ₹3 Lakhs.

Add-on card fee

₹0Nil

Welcome benefit

Get Reliance Retail Voucher worth ₹3000 on payment of joining fees · Additional discount vouchers worth ₹11999/- of various participating Reliance Retail Stores.

Reward rate

2 Reward Point per ₹100 · everyday spends2 Reward Point per ₹100 spent on other retail purchases.

Online earning

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

Reward earning on dining spends

5 Reward Points per ₹100 spent on dining, movies & entertainment, domestic airlines and international.

Reward earning on international spends

5 Reward Points per ₹100 spent on international.

Travel earning

5 Reward Points per ₹100 spent on domestic airlines.

Reward exclusions

Except fuel, property rental, wallet upload.

Voucher and product redemption

Redeem Rewards Points against Reliance Retail Vouchers.

Point expiry

Reward Points are valid for a period of 24 months.

What one reward unit is worth

1 Reward Point = ₹0.25.

International lounge access

4 complimentary International Airport Lounge visits per year (max. 2 visits per quarter)

Domestic lounge access

2 complimentary Domestic Airport Lounge visits every quarter in India.

Priority Pass

Complimentary membership to the Priority Pass Program worth $99.

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

₹8,750 worth Reliance Retail Voucher on annual spends of ₹3,00,000.

Movie or entertainment ticket benefit

1 free movie ticket per month (up to ₹250)

Fuel surcharge waiver

Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 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 PRIME at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

applicable on transactions of ₹2,500 or more

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 withdrawal limit

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

Interest on unpaid balance

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

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).

Payment return or dishonour fee

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

Statement or duplicate statement fee

Duplicate monthly statements are provided only for a period of six months preceding the request and are subject to a service charge

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250

Charge for lounge visits beyond the free limit

$27 + taxes per visit after complimentary visits

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 ₹500) at International ATMs

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

Rent transaction fee

₹199 + Applicable Taxes per transaction

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

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