SBI Reliance Credit Card: Complete Guide to Features & Benefits

Key Insights

1. Maximise your daily savings with attractive rewards and enjoy discounts at Reliance stores, on fuel, and dining out every time.

2. Discover surprising affordability with low fees that can be easily waived, and access premium benefits without a hefty cost.

3. Activate your card with a simple online application process and clear eligibility criteria, transforming your shopping into rewarding experiences.

The SBI Reliance Credit Card is a co-branded credit card planned for regular customers of Reliance's extensive retail network, which includes AJIO and Smart Bazaars.

Let's understand the SBI Reliance Credit Card through a Family example:

Dev uses the standard card for his routine purchases, and his wife, Priya, uses the premium SBI Card PRIME variant for its additional discounts and offers, which maximise their savings on shopping.

The following table outlines the key introductory benefits that make this card rewarding:
 

The table introduces some features of the SBI Reliance Credit Card.

This blog provides complete information about the SBI Reliance Credit Card. The next topic is the Benefits of the SBI Reliance Credit Card.

Benefits of the SBI Reliance Credit Card

With its collection of benefits designed for every consumer, the SBI Reliance Credit Card transforms regular purchases into substantial savings and benefits. For people who regularly shop at Reliance Group stores, it is an ideal financial tool.

Let's take the Aman example, who uses the SBI Reliance Credit Card regularly.

Take Aman, a 32-year-old IT professional. He uses his card for all his purchases, from groceries and fuel to dining and movies. He is effectively maximising the card's benefits to live their life peacefully.

The table below shows how Aman leverages the card's features to his advantage:
 

This table shows that the SBI Reliance Credit Card provides Aman with continuous savings and rewards for his daily expense categories.

SBI Reliance Credit Card handles Aman's expenses. Now, you don't need to stop at your wishes; you need to hold the SBI Reliance Credit Card, which will be your companion throughout your life. The next topic is SBI Reliance Credit Card Fees and Charges.

Bonus Tip: SBI Card periodically reviews your account and may offer automatic limit enhancements based on your spending patterns and repayment history. You can also request a limit increase through the SBI Card app or customer care, which may require updated income documents.

SBI Reliance Credit Card Fees and Charges

Understand the fees and charges that come with this credit Card. The SBI Reliance Card provides transparency for its users by providing useful features at a competitive cost structure.

Let's understand the Fees and Charges of the SBI Reliance Credit Card with an example:

Sonu: "Monu, I applied for the SBI Reliance Credit Card because it offers a wide range of features."

Monu: "Yes, you are right, this card is excellent for us, but are you aware of the fees and charges of the SBI Reliance Credit Card?"

Sonu: "Ohh shit, I am not aware of the Fees and Charges."

Monu: "Don't worry, I will tell you."

Monu explains the key costs, summarised in the table below, which provide a clear breakdown of the card's financial responsibilities.

This table clearly shows that the card's fees are not only low but can also be completely waived with regular usage, making it a cost-effective financial tool.

Sonu relaxes because he knows the fees and charges of the SBI Reliance Credit Card through Monu. Now, let’s talk about the eligibility criteria for the SBI Reliance Credit Card.

Bonus Tip: A foreign currency markup fee of 3.5% of the transaction amount applies to all international transactions, including online purchases on foreign websites and transactions made while travelling abroad.

Eligibility Criteria of SBI Credit Card

The eligibility criteria for the Reliance SBI Credit Card are the basic requirements that everyone can easily meet. These include simple factors such as age, income, credit score, and employment status, to ensure financial reliability.

Let's understand the eligibility criteria of the SBI Reliance Credit Card with an example:

Meet Shikhar, a finance YouTuber who explains complex topics clearly. He simplifies the eligibility criteria for the SBI Reliance Credit Card in his latest video.

Shikhar presents the key eligibility parameters in a clear table format for his audience:
 

As Shikhar's table shows, the eligibility criteria are simple and effective, allowing for a wide range of responsible earners to be included.

By seeing these clear criteria, you can unlock the benefits of this powerful financial tool. Now that you are aware of the eligibility requirements, the next topic is the required documents for the SBI Reliance Credit Card.

Documents Required for SBI Reliance Credit Card

The application process requires submitting specific Know Your Customer (KYC) documents for identity, address, and income verification.

Have these documents ready for a smooth application process for the SBI Reliance Credit Card:

Identity Proof: PAN Card, Aadhaar Card, Passport, Driver's License, Voter ID.

Address Proof: Aadhaar Card, Passport, Utility Bill (electricity, water, gas) not older than 3 months, Registered Rental Agreement, Ration Card

Income Proof: For Salaried: Latest 3 months' salary slips; For Self-Employed: Latest ITR (Income Tax Return) with computation of income

If you have these documents, you are very close to achieving your dream card, which is your next step in the application process. 

The next topic is the step-by-step guide to applying for the SBI Reliance Credit Card.

How to apply for an SBI Reliance Credit Card?

There are two methods to apply for the Reliance SBI Credit Card:

Online process of SBI Reliance Credit Card:

Step 1: Go to the SBI Card website and click on the "Personal" section. You will then see the "Card" option on your screen; select the "Credit Cards" section.

Step 2:  Then you will see a category of credit cards. Click on the “Shopping” option for the Reliance SBI Credit Card and click "Apply Now".

Step 3: Complete the online application form and submit it.

Step 4: You will receive an immediate reply to your application. If your application is successful, the SBI Card team will contact you by phone for verification.

Step 5: The card will be issued to you once you have completed the necessary verification.

Offline process of SBI Reliance Credit Card:

Step 1: Visit your nearest SBI branch.

Step 2: Request a Reliance SBI Credit Card application form.

Step 3: Fill out the application form and submit it.

Step 4: A representative from SBI Card will contact you for further processing.

Once your application is submitted, it takes 7-10 working days to process. If your application is approved, you will receive your credit card within 15 working days. Let's
dive into the conclusion of the blog.

Is the SBI Reliance Credit Card Worth It?

Here's why this card is a smart pick for your wallet:
 

• Your Fees Are Instantly Covered: The welcome benefits you receive are actually worth more than the card's joining fee. You start your journey in profit!
   
• Effortless Milestones, Real Rewards: Get great rewards without spending too much! You can earn vouchers worth ₹2,250 by spending just ₹80,000 in a year. This is an easy target to reach!
   
• Simple & Solid Cashback: Enjoy a straightforward 1% reward rate on all your spending. No complex categories to track; you earn on everything.
   
• A Powerful Bundle of Savings: Between the welcome gift, milestone perks, and steady rewards, you get discount vouchers worth over ₹3,200, making every spend more valuable.
   
• Perfect for Everyday Shopping: This program rewards you for shopping regularly at Reliance brands like Smart Bazaar and AJIO, helping you save money every day.

This card comes with value and easy rewards; this card is undoubtedly worth it for smart spenders.

Conclusion

Managing credit cards can sometimes be complex and confusing, but the SBI Reliance Credit Card is a trustworthy companion for your daily financial needs. 

Whether you're like Dev and Priya, aiming to maximise savings, Aman, enjoying customised rewards, or Sonu appreciating its affordability, this card suits genuine users. It's more than just a credit card; it's a useful everyday tool. 

Available to responsible earners, the SBI Reliance Credit Card has straightforward eligibility requirements and an easy application process, promoting smarter spending and an improved quality of life. Your financial partner is ready to turn your purchases into valuable opportunities.

FAQS

How do I check my SBI Reliance Credit Card application status?

You can check your application status online by visiting the SBI Card website, clicking on 'Track Application', and entering your application number and mobile number. Alternatively, you can call the SBI Card customer care helpline for updates.

What should I do if I didn't receive my SBI Reliance Credit Card reward points?

First, allow up to 5-7 days from the transaction date for points to be credited. If they are still missing, check your 'Points Summary' in your online account. For discrepancies, use the 'Points Dispute' feature on the app/website or contact customer care with your transaction details.

What should I do if my card is lost or stolen?

Immediately report the loss to SBI Card's 24x7 customer care helpline to block the card and prevent unauthorised use. The card will be blocked instantly, and a replacement card will be dispatched to your registered address, usually without any charges.

How can I convert a large purchase into EMIs?

You can convert large transactions (both new and past purchases) into easy EMIs through the SBI Card app or website. This feature offers flexibility with various tenure options, though applicable interest charges and processing fees will apply.

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About the Author

LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.