Reliance SBI Credit Card credit card
Cashback

Reliance SBI Credit Card

SBI logo SBI
6.7
CardTrail Score
Decent
out of 10
Net Value
6.7
Accessibility
8.5
Feature Depth
4.0
Bank Trust
8.5
How we score →
Annual Fee
₹499
Annual fee waiver on spends of Rs. 1 Lakh
Forex Markup
3.5%
Reward Rate
1.25%
Up to 2.5%
Lounge Access
0
domestic | 0 intl

About This Card

The Reliance SBI Credit Card is a cashback credit card from SBI with an annual fee of ₹499. It delivers a solid 1.25% reward rate on all spends. Key perks include fuel surcharge waiver. Best suited for online shoppers and cashback seekers.

Pros & Cons

Pros

  • Competitive 1.25% reward rate
  • Fuel surcharge waiver saves on petrol/diesel
  • Easy EMI conversion on purchases
  • Attractive welcome bonus: Reliance Retail voucher worth Rs. 500 on activation plus additional discount vouchers worth Rs. 3,200 of participating Reliance stores

Cons

  • 3.5% forex markup is above average
  • No complimentary lounge access

Fee Details

Annual Fee
₹499
Joining Fee
₹499
Fee Waiver Condition
Annual fee waiver on spends of Rs. 1 Lakh
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1.25%
Max Rate
2.5%
Currency
Reward Points
Welcome Bonus
Reliance Retail voucher worth Rs. 500 on activation plus additional discount vouchers worth Rs. 3,200 of participating Reliance stores

Lounge Access

Domestic Lounges
0
International Lounges
0

Key Highlights

  • Annual fee ₹499 (waiver: Annual fee waiver on spends of Rs. 1 Lakh)
  • 1.25% reward rate on all spends
  • Fuel surcharge waiver at all pumps
  • Welcome bonus: Reliance Retail voucher worth Rs. 500 on activation plus additional discount vouchers worth Rs. 3,200 of participating Reliance stores

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Quick Summary

Best For
shopping cashback
Annual Fee ₹499
Base Reward 1.25%
Max Reward 2.5%
Forex Markup 3.5%
Network Visa
Min Income ₹3L+

CardTrail Score

6.7
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

shopping cashback

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