What is a Reliance SBI Card?

Reliance SBI Card, powered by RuPay contactless technology, offers a fast and convenient way to pay for everyday purchases securely, reducing time at checkout.

How does the Reliance SBI Card work?

Find the RuPay contactless mark, hold your card near the reader, and wait for a beep or green lights. No PIN is needed for transactions up to Rs.5000.

What are the benefits of Reliance SBI credit card?

Contactless payments are fast, secure, and reduce the risk of fraud. No need for cash, and transactions are quicker for small purchases.

Is there a limit for a contactless transaction amount?

Yes, there is a limit for contactless transaction amount which is Rs.5000 per transaction, and any amount above this will require PIN entry.

Can I set my own limit of transaction amount for reliance SBI credit card?

No, you cannot set the limit of transaction amount for your Reliance SBI credit card.

Where can I use my Reliance SBI Card?

Look for the Universal Contactless symbol at POS terminals or visit sbicard.com for a list of merchants accepting RuPay contactless payments.

Can I use my Reliance SBI Card at other merchants (not enabled for contactless payment acceptance)?

Yes, the card can be used for regular dip or swipe transactions at merchants without contactless payment capability.

Could I be debited twice if I have more than one contactless card?

No, the reader will only communicate with one card at a time. You will be prompted to select one card if more than one is present.

Could I unknowingly have made a purchase if I walk past the reader?

No, the card must be held within 4 cm of the reader for more than half a second, and the amount must be entered first.

Is there any difference in the process for ATM and Internet transactions for the Reliance SBI Card?

No, for ATM and online transactions, you will need to enter your PIN or OTP for verification.

What happens if my contactless card is stolen?

if your contactless Reliance SBI credit card is stolen report the theft immediately to SBI Card. The maximum liability for unauthorized transactions is limited to the available credit limit, and PIN is required for transactions above Rs.5000.

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Reliance SBI Card

Reliance Retail, in collaboration with SBI Card, a prominent player in the credit card industry, has introduced the Reliance SBI Card offering multiple benefits, rewards and other facilities for an annual fee of Rs.499. This new co-branded credit card is designed to offer cardholders a range of rewards and benefits when making purchases at Reliance Retail stores. Reliance SBI Cardholders will have access to exclusive rewards based on their spending habits, including special welcome bonuses, customised travel and entertainment perks, and milestone rewards tied to their spending, such as renewal fee waivers and Reliance Retail vouchers.

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Key Features of Reliance SBI Card

The following is the list key features of Reliance SBI credit card:

Features	Details
Contactless advantage	Simplifies the process of purchase by waiving the card.Ensures fast, convenient and safe transaction.Reduces the risk of card loss and fraud.
Global acceptance	Acceptable in over 24 million outlets across the globe, including 3,25,000 outlets in India.Acceptable at any outlets that accept VISA.
Add-on card	Offers add-on cards to spouse, parents, children or siblings who are above 18 years of age. Note: Three add-on cards are offered at zero cost.
Utility bill payment facility	Allows customers to make payment for electricity, mobile, telephone and other utility bill payment by using Easy Bill Pay facility.
Balance transfer on EMI	Enables customer to transfer the outstanding balance to CASHBACK SBI credit card from other banks’ credit cards.EMI can be availed at a low interest rate.
Cash on the go	Allows cash withdrawal from over one million MasterCard and Visa ATMs across the globe.

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Benefits of Reliance SBI Credit Card

Reliance SBI credit card offers various benefits, including reward points, fuel surcharge waiver, annual fee waiver and many more. The benefits are listed in the table below:

Welcome Benefit	On payment of joining fees, the card offers Reliance Retail Voucher worth of Rs.500.Additional discount voucher worth Rs.3,200 various participating Reliance Retail Stores.
Milestone Benefit	On spending of Rs.1 lakh annually, the card offers a waiver of renewal fees. On spending of Rs.25,000, Rs.50,000 and Rs.80,000 annually at participating Reliance Retail Stores, the card offers a Reliance Retail Voucher worth Rs.500, Rs.750, and Rs.1000, respectively.
Reward Benefit	The card offers five reward points per Rs.100 spent at participating Reliance Retail Stores.On spending every Rs.100 spent on dining and movies, the card offers five reward points. On spending every Rs.100 spent on other retail purchases (except fuel, property rental, wallet upload), the card offers one reward point.
Fuel Surcharge Waiver	For fuel transactions between Rs.500 and Rs.4,000 exclusive of GST and other charges, the card offers 1% surcharge across all petrol pumps in India. Note: Maximum surcharge offered per statement cycle is Rs.100.
Other Benefits	Reliance Trends: Discount of 5.00% (Rs.250 per month) Ajio: Discount of 5.00% (Rs. 250/- per month (on order of above Rs.2,999)) Azorte: Discount of 5.00% (Rs. 500/- (on order above Rs.3,500)) Zivame: Discount of 5.00% (Rs.250 per month) Coverstory: Discount of 5.00% (Rs.250 per month) Urban Ladder: Discount of 5.00% (Up to Rs.250 per transaction) Jio Mart: Cashback of 5.00% (Rs.250 per month) Groceries – Offline Stores and Fashion Factory: Additional 1 RelianceOne point on every Rs.200 spent

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Fees & Charges

The list of applicable fees and charges are mentioned in the table below:

Types of fees	Charge
Annual Fee	Rs.499
Renewal Fee	Rs.499 from the second year onwards. Fee waived if annual spending for the last year is greater than or equal to Rs.1 lakh
Add-on Fee	Nil
Cash Advance Fee	2.5% of the amount withdrawn or Rs.500 (Domestic and international ATMs).
Finance Charges	3.75% per month or 45% per annum
Payment dishonor fee	2% of the payment amount; minimum of Rs.450
Cash payment fee	Rs.199 to Rs.250
Late payment	From Rs.0 to Rs.500 - NilMore than Rs.500 up to Rs.1,000 - Rs.400More than Rs.1,000 up to Rs.10,000 - Rs.750More than Rs.10,000 up to Rs.25,000 - Rs.950More than Rs.25,000 up to Rs.50,000 - Rs.1,100More than Rs.50,000 - Rs.1,300.
Cheque payment fee	Rs.100
Over limit fee	2.5% of the over limit amount; minimum of Rs.600
Rewards redemption fee	Rs.99
Foreign currency transaction	3.50%
Card Replacement	Rs.100 to Rs.250

Order of Payment Settlement

The following is the order of settlement of your total payment:

GST (Goods and Services Tax)
EMI amount
Fees or Charges
Finance charges
Cash Advance
Retail Spends

Applicable Taxes:

For cardholders with a registered state of residence as ‘Haryana’ on the statement date: Central Tax @ 9% and State Tax @ 9%.
For cardholders with a registered state of residence other than ‘Haryana’ on the statement date: Integrated Tax @ 18%.

Note:

SBI does not accept cheques payable outside the clearing zones. Payments must be made with local cheques or drafts payable in Delhi only.
For assistance, you can reach out to the SBI Card helpline on 39 02 02 02 (prefix local STD code) or 1860 180 1290.

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FAQs on Reliance SBI Card

What is a Reliance SBI Card?
Reliance SBI Card, powered by RuPay contactless technology, offers a fast and convenient way to pay for everyday purchases securely, reducing time at checkout.
How does the Reliance SBI Card work?
Find the RuPay contactless mark, hold your card near the reader, and wait for a beep or green lights. No PIN is needed for transactions up to Rs.5000.
What are the benefits of Reliance SBI credit card?
Contactless payments are fast, secure, and reduce the risk of fraud. No need for cash, and transactions are quicker for small purchases.
Is there a limit for a contactless transaction amount?
Yes, there is a limit for contactless transaction amount which is Rs.5000 per transaction, and any amount above this will require PIN entry.
Can I set my own limit of transaction amount for reliance SBI credit card?
No, you cannot set the limit of transaction amount for your Reliance SBI credit card.
Where can I use my Reliance SBI Card?
Look for the Universal Contactless symbol at POS terminals or visit sbicard.com for a list of merchants accepting RuPay contactless payments.
Can I use my Reliance SBI Card at other merchants (not enabled for contactless payment acceptance)?
Yes, the card can be used for regular dip or swipe transactions at merchants without contactless payment capability.
Could I be debited twice if I have more than one contactless card?
No, the reader will only communicate with one card at a time. You will be prompted to select one card if more than one is present.
Could I unknowingly have made a purchase if I walk past the reader?
No, the card must be held within 4 cm of the reader for more than half a second, and the amount must be entered first.
Is there any difference in the process for ATM and Internet transactions for the Reliance SBI Card?
No, for ATM and online transactions, you will need to enter your PIN or OTP for verification
What happens if my contactless card is stolen?
if your contactless Reliance SBI credit card is stolen report the theft immediately to SBI Card. The maximum liability for unauthorized transactions is limited to the available credit limit, and PIN is required for transactions above Rs.5000.

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