M16S / State Bank of India (SBI Card) / Reliance SBI Card PRIME
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Reliance SBI Card PRIME
The Reliance SBI Card PRIME costs Rs 2,999 a year, waived if you spend Rs 3,00,000 in a year. Its base return is 0.5%. The forex markup is 3.5%. Lounge visits in India: 8 per year, 2 per quarter. Abroad: 4 per year, max 2 per quarter, via Priority Pass. Read from the issuer's own documents on 12 Oct 2026.
- Annual fee
- Rs 2,999+ GST
- Fee waived at
- Rs 3,00,000annual spend
- Base return
- 0.5%
- Forex markup
- 3.5%
- Interest
- 3.75%a month
What changed on this card
- SBI Card to add 1% fee on transport above Rs 30,000, Dec 2026
From 1 Dec 2026 SBI Card charges 1% of the transaction amount on every transportation transaction above Rs 30,000 (MCCs 4111, 4784, 4131). Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card to add 1% fuel fee above Rs 50,000 a cycle, Dec 2026
From 1 Dec 2026, if fuel transactions in a billing cycle exceed Rs 50,000, SBI Card charges 1% on the total fuel spends. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card limits statement credit to multiples of 4,000 points, Apr 2026
From 1 Apr 2026 Reward Points for Statement Credit can be redeemed only in multiples of 4,000 Points, on all eligible cards except the two PhonePe cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card caps statement credit redemption at 60,000 points, Apr 2026
From 1 Apr 2026 redemption of Reward Points for Statement Credit is capped at 60,000 Points per month on all eligible cards except Air India SBI Signature and the two PhonePe cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card revises late payment charges from May 2026
From 1 May 2026 no charge applies up to Rs 100 due (was up to Rs 500). Rs 100 applies above Rs 100 up to Rs 500, and Rs 500 above Rs 500 up to Rs 1,000 (was Rs 400). Higher slabs are unchanged. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card revises domestic lounge list for Prime, Miles Prime, Jan 2026
SBI Card Prime and Miles Prime are in lounge Set B, with a revised list of 30 participating domestic lounges from 10 Jan 2026. The PDF does not state the number of visits. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds 1% fee on wallet loads above Rs 1,000, Nov 2025
From 1 Nov 2025 SBI Card charges 1% of the transaction amount on every wallet load transaction above Rs 1,000. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds 1% fee on education payments via apps, Nov 2025
From 1 Nov 2025 a 1% fee applies to education payments made through third-party apps. Payments made directly to colleges or schools through their websites or POS machines carry no fee. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds Rs 200 cheque processing fee from Sep 2025
From 15 Sep 2025 a Cheque Processing Fee of Rs 200 applies to outstanding payments made by cheque. Payments by UPI, BBPS and NEFT stay free of extra charges. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card adds 1% fee on utility payments above Rs 50,000, Dec 2024
From 1 Dec 2024, if utility payments in a billing cycle add up to more than Rs 50,000, SBI Card charges a 1% fee on the total utility amount. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card raises finance charge to 3.75% a month from Nov 2024
From 1 Nov 2024 the rate of Finance Charges is 3.75% p.m. on all unsecured SBI credit cards, except Shaurya and Defense cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
- SBI Card stops reward points on government payments for co-brand cards, Jul 2024
From 15 Jul 2024 Reward Points do not accrue on government related transactions on the listed co-brand cards. Source: SBI Card, sbicard.com, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Rs 2,999 |
|---|---|
| Annual fee | Rs 2,999 |
| Annual spend that waives the fee | Rs 3,00,000 |
| Fee notes | Renewal fee reversed on Rs 3 lakh annual spend. |
Rewards
| Welcome benefit | Rs 3,000 Reliance Retail voucher on payment of joining fee, plus discount vouchers worth Rs 11,999 for participating Reliance Retail stores; delivered within 30 days of fee realisation |
|---|---|
| Reward currency | Reward Points |
| Base earn | 2 RP per Rs 100 on other retail purchases (except fuel, property rental, wallet upload) |
| Base return | 0.5% |
| Point value | 1 RP = Rs 0.25; also redeemable against Reliance Retail vouchers |
| Accelerated earn | 20 RP per Rs 100 on AJIO and JioMart online stores; 10 RP per Rs 100 at other participating Reliance Retail stores (both exclude UPI payments); 5 RP per Rs 100 on dining, movies and entertainment, domestic airlines and international spends |
| Spends that earn nothing | Fuel, property rental, wallet upload; UPI payments excluded from Reliance accelerated rates |
| Points expiry | 24 months |
| Milestone benefits | Reliance Retail vouchers on annual spends at participating Reliance Retail stores: Rs 1,500 at Rs 75,000, Rs 2,250 at Rs 1.5 lakh, Rs 5,000 at Rs 3 lakh (Rs 8,750 in all) |
| Reward notes | base_return_pct = 2 RP per Rs 100 x Rs 0.25 (both stated on the product page). Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited. |
Travel and perks
| Domestic lounge | 8 per year, 2 per quarter |
|---|---|
| International lounge | 4 per year, max 2 per quarter, via Priority Pass |
| Lounge conditions | Priority Pass membership (worth USD 99) valid for 2 years only; visits beyond the free quota cost USD 27 + taxes each. Domestic lounge list restricted to issuer Set B from 10 Jan 2026. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on fuel txns Rs 500-4,000, cap Rs 100 per statement cycle |
| Other freebies | 1 free movie ticket a month (up to Rs 250, one transaction a month, convenience fee chargeable); Priority Pass membership; transaction offers at Reliance Retail stores; Mastercard/RuPay network offers |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026) |
| Cash advance fee | 2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one |
| Fine-print notes | Issuer product page (rendered text) read 2026-10-12; fees, forex, interest and penalty fields are from the issuer MITC/KFS; fields not listed in unverified_fields are from the product page or other issuer documents. Page vs earlier value: 5 RP category was 'dining, movies, entertainment, flights' (cardinsider.com), page says dining, movies & entertainment, domestic airlines and international; fuel waiver had no cap recorded, page says Rs 100 per statement cycle. Milestone spends count only at participating Reliance Retail stores. Aggregator said the movie ticket is via BookMyShow; the page does not name the platform. Page states no caps. Same text is served at shopping/reliance-sbi-card-prime.page. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST. |
Questions
- What is the annual fee of the Reliance SBI Card PRIME?
- Rs 2,999 a year, before GST. It is waived if you spend Rs 3,00,000 in a year.
- Does the Reliance SBI Card PRIME give airport lounge access?
- Yes. In India: 8 per year, 2 per quarter. Outside India: 4 per year, max 2 per quarter, via Priority Pass. Conditions: Priority Pass membership (worth USD 99) valid for 2 years only; visits beyond the free quota cost USD 27 + taxes each. Domestic lounge list restricted to issuer Set B from 10 Jan 2026.
- What is the forex markup on the Reliance SBI Card PRIME?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Reliance SBI Card PRIME?
- Fuel, property rental, wallet upload; UPI payments excluded from Reliance accelerated rates