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Side-by-Side Comparison|Updated March 2026

Reliance SBI Card vs Reliance SBI Card PRIME

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Reliance SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
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SBI Card

Reliance SBI Card PRIME

8.5/10
Annual Fee₹2,999
Base Rewards0.125%
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Feature-by-Feature Comparison

FeatureReliance SBI CardReliance SBI Card PRIME
Annual Fee₹499₹2,999
Joining Fee₹499₹2,999
Fee Waiver Spend₹1,00,000₹3,00,000
Base Reward Rate0.25%0.125%
Reward CurrencyReward PointsReward Points
NetworkRuPayRuPay
Editor Rating7.2/108.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

Reliance SBI Card

No accelerated rewards listed

Reliance SBI Card PRIME

  • 0% on Ajio & JioMart
  • 0% on Participating Reliance Reta...
  • 0% on Dining, Movies, Domestic Ai...

Pros & Cons

Reliance SBI Card

Pros

  • Accelerated 10 Reward Points per ₹100 spent on Ajio and JioMart (2.5% value back).
  • 5 Reward Points per ₹100 spent at participating Reliance Retail stores like Trends and Smart Bazaar.
  • Welcome benefit of ₹500 Reliance Retail voucher effectively offsets the joining fee.
  • Low annual fee waiver threshold of ₹1 Lakh annual spend.

Cons

  • No complimentary airport lounge access in the base variant.
  • Reward redemption fee of ₹99 + GST applies to every redemption request.
  • Base reward rate of 0.25% on non-Reliance spends is very low.

Reliance SBI Card PRIME

Pros

  • High 5% value back (20 RP per ₹100) on Ajio and JioMart spends.
  • Generous welcome benefit with ₹3,000 voucher covering the joining fee.
  • Comprehensive lounge access with both domestic and international visits.
  • Monthly movie benefit of ₹250 via BookMyShow with no day-of-week restrictions.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakh.
  • Reward points are primarily valuable when redeemed for Reliance Retail vouchers.
  • Accelerated rewards on Reliance brands are capped at 7,500 points per cycle.

Our Verdict

Reliance SBI Card PRIME edges ahead overall with a stronger combination of rewards and value. However, Reliance SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Reliance SBI Card if

High value back on grocery (JioMart), fashion (Ajio, Trends), and electronics (Reliance Digital).

Choose Reliance SBI Card PRIME if

Maximum value back on JioMart, Ajio, Trends, and other Reliance ecosystem stores.

Frequently Asked Questions

Which is better: Reliance SBI Card or Reliance SBI Card PRIME?
Reliance SBI Card PRIME edges ahead overall with a stronger combination of rewards and value. However, Reliance SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Reliance SBI Card and Reliance SBI Card PRIME?
Reliance SBI Card has an annual fee of ₹499, while Reliance SBI Card PRIME has an annual fee of ₹2,999. Reliance SBI Card offers a fee waiver on ₹1,00,000 annual spend. Reliance SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Reliance SBI Card or Reliance SBI Card PRIME?
Reliance SBI Card offers a base reward rate of 0.25%. Reliance SBI Card PRIME offers 0.125% base rewards with bonuses on Ajio & JioMart and Participating Reliance Reta.... The better choice depends on your primary spending categories.
Can I have both Reliance SBI Card and Reliance SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Reliance SBI Card and Reliance SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: Reliance SBI Card or Reliance SBI Card PRIME?
For beginners, Reliance SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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