Jio Credit Card – A Complete Guide to Features & Application

Kiran, a young businesswoman who had her own home decor company, enjoyed decorating people’s homes with her creative vision. But keeping track of spending, managing money, and making sure bills were paid on time frequently felt like too much to handle. She required a convenient and fulfilling solution.

She came across an offer for the Jio Credit Card one day when she was paying for her JioFiber subscription. The perks, which included easy EMI options, shopping discounts, and cashback on Jio services, sounded ideal for her expanding company. She submitted her application right away, and it was accepted minutes later.

She saw the difference as soon as she began using the card. She never missed any deadlines thanks to the JioPay app’s automatic bill payments. She received 10% cash back for her regular purchases of decore supplies from Reliance Digital, which allowed her to save ₹2,000 on a ₹20,000 bulk purchase. She also made use of the card’s Smart EMI function, which allowed her to divide her higher company spending into smaller, more manageable monthly payments without putting pressure on her finances.

Kiran realised at the end of the year that she had saved more than ₹15,000 only from discounts and rewards. She not only improved her spending management with the Jio Credit Card, but she also saved money, made payments easier, and had the flexibility to expand her ideal business without worrying about money.

How JioPay works?

You can use the JioPay mobile payment app on your Jio phone to pay merchants with your Kotak credit cards (person-to-person transfers are not permitted).

JioPay employs a procedure called Tokenisation enabled by VISA to protect your card information. This process substitutes an alias called "Token" for your sensitive card information, which is subsequently utilised for payment.

Using the cards that are registered with the JioPay app, contactless payments are made via Near Field Communications technology (NFC). Kotak Visa Credit Cards can be chosen at the time of payment, and the user can finish the transaction by tapping the back of their Jio phone on an NFC-enabled terminal.

Key Highlights of Jio Credit Card

• Jio & Reliance Benefits: Both cards provide rewards on Jio and Reliance Purchases.
• Digital-FIrst: The JioPay Credit Card is integrated with the JioPay app, while Reliance SBI Card provides seamless digital transactions.
• Exclusive Cashback and Rewards: Discounts and reward points on Jio services, Reliance Retail, and partner merchants.

• Lifestyle and Shopping Perks: Lounge access, movie benefits, and milestone rewards.

   

Features of Jio Credit Card

Key features of JioPay:

• A quicker and simpler method of making a payment with your Jiopay login
• Acceptable at all retail locations, both online and off, that have NFC-capable terminals
• Jio Auto Pay does not require an ATM or PIN.
• No additional registration is required.
• All Jio phones have a sufficient limit per transaction available.
• Not having to keep several credit and debit cards
• Simple and cost-free to set up
• Effective handling of several numbers and deadlines

• The ability to change the payment method as needed

   

Key features of Reliance SBI Credit Card PRIME:

Welcome Offer

• Withdraw cash anytime from over 1 million ATMs worldwide.

   

Contactless Advantage

• Daily Purchases Made Easy: Simply wave your card at a secure reader to transact.
• Fast & Convenient: No need to hand over your card or look for cash/coins for small everyday purchases.

• Security: During a contactless transaction, the card never leaves your hand, greatly lowering the possibility of fraud from skimming (counterfeit) and card loss. Visa PayWave’s special security feature makes sure that just one transaction is processed, even if the card is waved several times. This makes it more secure. 

   

Worldwide Acceptance

• Use your Reliance SBI Card PRIME at over 24 million outlets worldwide, including 325,000 outlets in India.

• Payments can be made at any outlet that accepts Visa.

   

Flexipay

• Convert purchases worth ₹2,500 or more into easy monthly instalments.

• Log in to sbicard.com within 30 days to convert purchases into Flexipay.

   

Add-on Cards

• Empower your family with add-on cards for your spouse, children, parents, and siblings (above 18 years of age).

   

Cash on the Go

• Withdraw cash from over 1 million ATMs globally.

   

Utility Bill Payment Facility

• Pay electricity, telephone, mobile, and other utility bills using the Easy Bill Pay feature on your Reliance SBI Card PRIME.

   

Balance Transfer on EMI

• Save money while paying your credit card dues.
• Transfer the outstanding balance from other bank’s credit cards to your Reliance SBI Card PRIME and avail of a lower interest rate, paying back in EMIs.

• Log in to sbicard.com with your user ID and password to benefit from this service.

   

Jio Credit Card Cashback and Rewards

The  Credit Card offers a structured rewards and cashback system personalised for frequent shoppers at Reliance Retail outlets. 

Welcome Benefit:

• Upon payment of the joining fee, cardholders receive a Reliance Retail voucher worth ₹3,000.

   

Reward Points Structure:

• Reliance Retail Purchases: Earn 10 reward points for every ₹100 spent at participating Reliance Retail stores. Each reward point is equivalent to ₹0.25, translating to a 2.5% reward rate on these purchases.
  
  
• Dining, Movies & Entertainment, Domestic Airlines, and International spending: Accumulate 5 reward points per ₹100 spent, equating to a 1.25% reward rate.
  
  

• Other Retail Purchases: For all other eligible spends, earn 2 reward points per ₹100, offering a 0.5% reward rate.

   

Milestone Benefits:
 

• Achieve annual spending of ₹1,50,000 to receive a Reliance Retail voucher worth ₹2,250.

• On reaching annual spends of ₹3,00,000, earn an additional Reliance Retail voucher valued at ₹5,000.

   

Additional Cashback Offer:

• Enjoy a 5% cashback on JioMart purchases, capped at ₹1,000 per month.

   

Redemption Options:

• Reward points can be redeemed against Reliance Retail vouchers, which are usable at participating Reliance Retail stores.

   

Jio Credit Card Fees and Other Charges

Jio Credit Card Pros and Cons

For frequent consumers of Reliance Retail stores, there is a co-branded credit card called the Reliance SBI Card PRIME. Here's an overview of its pros and cons: 

Pros:

• Welcome Benefit: Receive a Reliance Retail voucher worth ₹3,000 upon payment of the joining fee.
• Reward Points: Earn 10 reward points per ₹100 spent at participating Reliance Retail stores, equating to a 2.5% reward rate.
• Milestone Benefits: Achieve annual spending of ₹1,50,000 to receive a Reliance Retail voucher worth ₹2,250, and ₹3,00,000 for an additional ₹5,000 voucher.

• Additional Perks: Enjoy complimentary lounge access and free movie tickets.

   

Cons:

• Annual Fee: The card charges an annual fee of ₹2,999 plus applicable taxes.
• Limited Reward Categories: Those who don't regularly shop at Reliance Retail may not profit from the 10X reward points, which are mainly relevant to purchases made there. 
• High Interest Rates: Cash withdrawal fees are ₹500 or 2.5% of the withdrawn amount, whichever is higher.

• Limited Redemption Options: Flexibility is limited because reward points can only be used at Reliance Retail locations. 

   

For regular customers at Reliance Retail locations, the Reliance SBI Card PRIME provides significant perks; however, it might not be the best option for individuals looking for more extensive benefits or reduced fees.

Eligibility Criteria for Jio Credit Card

The eligibility criteria for the Reliance SBI Card PRIME are as follows:

1. Age:

   
   

   • Primary cardholder: 21 to 60 years

   • Add-on cardholder: 18 years and above

      

2. Income:
   
   
   • Salaried individuals: Minimum monthly income of ₹25,000

   • Self-employed individuals: Minimum annual income of ₹4,00,000

      

3. Nationality:
   
   

   • Indian residents

      

4. Credit Score:
   
   

   • A good credit score (700 or above) is typically preferred.

      

5. Other Requirements:
   
   
   • Applicants should have a valid bank account and documentation supporting income, identity, and address proof.

For more specific details or to check eligibility, it's best to visit the official SBI Card website.

Required Documents to Apply for Jio Credit Card

Identity Proof:

• A government-issued photo ID such as a passport, driver's license, voter ID, or Aadhaar card.

   

Address Proof:

Documents like a utility bill, bank statement, or rental agreement that clearly display your current address.

Income Proof:

For Salaried Individuals:

• Recent salary slips or bank statements reflecting your salary deposits.

   

For Self-Employed Individuals:

• Income tax returns (ITR) and financial statements for the last two years.

   

Photographs:

• Recent passport-sized photographs as specified in the application form.

   

HOW TO REGISTER FOR JIOPAY?

Make sure your JioPhone's Jio SIM is operational and that your mobile data is enabled.

• On JioPhone, launch JioPay.
• Accept the terms and conditions of JioPay. Enter your OTP to log into JioPay.

• Complete the enrolment procedure by following the on-screen instructions.

   

How to Apply for a Reliance SBI Credit Card?

Step 1: Click on the link to access the Reliance SBI Credit Card. 

Step 2:. On the top right side, you will see the option of “Apply”. 

Step 3: Click on it. You will be redirected to a new page.

Step 4: Click on Start Apply Journey.

Step 5: You will be asked to provide your personal details, like your first name, middle name, last name, and mobile number; click on terms and conditions; and then continue.

Step 6: You will be asked to fill in your professional details, and then KYC details. 

Jio Credit Card Customer Care

For assistance with JioPay, you can contact Jio's customer care:

• Jio Customer Care Number: Dial 1991 from your Jio number for queries related to Jio services.

For enquiries regarding the Reliance SBI Card PRIME, you can reach out to SBI Card's customer care:

• SBI Card Customer Care Numbers:
  • 1860 500 1290
  • 1860 180 1290
  • 39 02 02 02 (Prefix with your local STD code)

  • 1800 180 1290 (Toll-Free)

     

Customer care executives are available from 8 AM to 8 PM, Monday to Saturday.

For more information, you can visit the Jio Customer Care page and the SBI Card Contact Us page.

Conclusion

JioPay and the Reliance SBI Card PRIME both provide unique benefits to consumers who want to improve their payment experience. For regular customers at Reliance Retail locations, the Reliance SBI Card PRIME offers substantial points, milestone benefits, and special privileges like complimentary movie tickets and lounge access. To be eligible, you must provide basic documentation such as evidence of identity, proof of address, and proof of income. 

On the other hand, JioPay is a mobile payment platform that eliminates the need for a separate card application and enables customers to make contactless purchases using their current debit or credit cards, including those issued by Kotak Mahindra Bank. Both services are perfect for individuals seeking convenience, rewards, and cashback prospects because they are made to make transactions easier. 

Frequently Asked Question

Q. What is the JioPay Credit Card, and how does it differ from traditional credit cards?

Your JioPay credit card enables you to reload and pay your bills at any physical or virtual merchant counter. It differs from conventional credit cards in a number of ways, including competitive interest rates, large credit limits, simplicity in application, and convenience of usage.

Q. What are the key features of the JioPay Credit Card?

The JioPay credit card's main attributes include reward points, low interest rates, quick bill payments, and large credit limits.

Q. What is Fuel Surcharge Waiver on Reliance SBI Card PRIME?

A fuel fee waiver of 1% is available with the Reliance SBI Card PRIME on fuel purchases made at all Indian petrol stations. Excluding GST and other fees, this incentive is available for transactions between ₹500 and ₹4,000. When cardholders fill up within the designated transaction range, they can benefit from this waiver, which lowers their fuel expenses.

Q. What lounge benefits are offered with the Reliance SBI Card PRIME?

Cardholders of the Reliance SBI Card PRIME are eligible for up to two complimentary domestic airport lounge visits each quarter, or eight complimentary trips per calendar year. This advantage offers a practical and cosy option to unwind prior to travels. Cardholders can visit the Rupay or Mastercard website, depending on their card network, to stay up to date on the list of lounges that are available.

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