SBI Card · Mid
Reliance SBI Card PRIME
Where it ranks across all 187 cards
#13 Fashion
5.0%
at Ajio
direct
#47 Flights
1.3%
direct
#51 Dining out
1.3%
direct
#57 Movies & events
1.3%
direct
#43 EMI
0.5%
direct
#57 Insurance
0.5%
direct
#60 Education
0.5%
direct
#67 Utility bills
0.5%
direct
#82 Jewellery & watches
0.5%
direct
#89 Gaming
0.5%
direct
#97 Mobile / broadband
0.5%
direct
#106 Train tickets
0.5%
direct
#112 Cabs & transit
0.5%
direct
#119 Health & pharmacy
0.5%
direct
#121 Other
0.5%
direct
#122 Electronics
0.5%
direct
#124 Hotels
0.5%
direct
#128 Groceries
0.5%
direct
#129 Online shopping
0.5%
direct
#131 Food delivery
0.5%
direct
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Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules5 direct
Base rate - everything not covered below
0.50%base rate
2 pts / ₹100
source
Source: Reliance SBI Card PRIME - sbicard.com - read 25 Sep 2026
10 pts / Rs100 at other participating Reliance Retail stores
2.50%this rule
10 pts / ₹100
how it works & source
Participating stores per SBI Card's list (reliance-retail-stores.pdf); not on UPI payments.
Source: Reliance SBI Card PRIME T&C (bank PDF) - sbicard.com - read 25 Sep 2026
20 pts / Rs100 on AJIO and JioMart online stores
5.00%this rule
20 pts / ₹100
how it works & source
Excludes UPI payments (which earn 2 RP/Rs100 instead).
Source: Reliance SBI Card PRIME T&C (bank PDF) - sbicard.com - read 25 Sep 2026
5 pts / Rs100 on dining, movies/entertainment, domestic airlines and international spends
1.25%this rule
5 pts / ₹100
source
Source: Reliance SBI Card PRIME T&C (bank PDF) - sbicard.com - read 25 Sep 2026
5 pts / Rs100 on international spends
1.25%this rule
5 pts / ₹100
source
Source: Reliance SBI Card PRIME T&C (bank PDF) - sbicard.com - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on4 exclusions
Fuel
earns nothing
No reward points on fuel/petrol pump spends.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: Reliance SBI Card PRIME T&C (bank PDF) - sbicard.com - read 25 Sep 2026
Wallet load
earns nothing
No reward points on e-wallet loading transactions.
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540, 6541
Source: Reliance SBI Card PRIME T&C (bank PDF) - sbicard.com - read 25 Sep 2026
Rent
earns nothing
Rent payment transactions no longer earn reward points (w.e.f.
→ use Axis Burgundy Private here (5.2%)
detail & source
1 Apr 2024).
categories: Rent · MCCs: 6513
Source: Reliance SBI Card PRIME T&C (bank PDF) - sbicard.com - read 25 Sep 2026
Government / tax
earns nothing
Government-related transactions no longer earn reward points (w.e.f.
→ use Biz Black Metal Edition Credit Card here (2.5%)
detail & source
15 June 2024).
categories: Government / tax
Source: Reliance SBI Card PRIME T&C (bank PDF) - sbicard.com - read 25 Sep 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.