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STATE BANK
2.5% at AJIO and JioMart online, plus 5% JioMart cashback, for a Rs. 499 fee the welcome voucher covers
One-time
Waived on ₹1,00,000/yr
Capped at ₹250/month
Score 700+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromGroceries
Pays up to ₹250 a month — reached at about ₹5,000 of spend
Online shopping
Shares the card's ₹250 a month ceiling
Online shopping
Shares the card's ₹250 a month ceiling
Dining
Shares the card's ₹250 a month ceiling
These rates share one ceiling: ₹250 a month across the card, not per category.
The accelerated rates are tied to AJIO, JioMart and participating Reliance Retail stores. All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
5% on Groceries — JioMart cashback, credited to the JioMart wallet within 90 days., up to ₹250 per month.
Biggest limitation
The 5% JioMart cashback is credited to a JioMart wallet, not the statement, and is redeemable only in general merchandise and fashion.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
5%
cappedGroceries
Pays up to ₹250 per month — reached at about ₹5,000 of spend.
JioMart cashback, credited to the JioMart wallet within 90 days.
10 pts
uncappedOnline shopping
AJIO and JioMart online stores — 2.5% back.
5 pts
uncappedOnline shopping
Other participating Reliance Retail stores.
5 pts
uncappedDining
Dining and movies.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹589 | — |
| Annual / renewal fee | ₹589 | Rs. 499 + taxes annual fee waived on annual spends of Rs. 1,00,000 or more in the preceding year |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | Slab-based on the total amount due, from nil below Rs. 500 up to Rs. 1,300 above Rs. 50,000, as published in SBI Card's MITC | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹1,00,000 a year
is what it takes to keep the ₹589 fee off — about ₹8,333 a month
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹0 a year — about ₹0 a month
Annual fee waived on annual spends of Rs. 1,00,000 or more
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKSBI Card Unnati₹589
STATE BANKTitan SBI Card₹3,539
STATE BANKIRCTC SBI Card Premier₹590
STATE BANKTata Neu Plus SBI Credit Card₹589
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177
IDFC BANKIDFC FIRST Mayura Credit Card₹7,079| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Reliance SBI Card · this card | ₹589 | 5% groceries | No |
| SBI Card Unnati | ₹589 | Up to 1 reward points per ₹100 | No |
| Titan SBI Card | ₹3,539 | Up to 7.5% cashback | Included |
| IRCTC SBI Card Premier | ₹590 | Up to 10% rewards | No |
| Tata Neu Plus SBI Credit Card | ₹589 | Up to 5% back | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹589 plus GST, waived on ₹1,00,000 of annual spend.
The strongest published rate is 5% on groceries, capped at ₹250 per month — so roughly ₹5,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The accelerated rates are tied to AJIO, JioMart and participating Reliance Retail stores. The accelerated rates are tied to AJIO, JioMart and participating Reliance Retail stores. The accelerated rates are tied to AJIO, JioMart and participating Reliance Retail stores.
Redeemed as Reliance Retail e-vouchers, Redeemed from the SBI Card rewards catalogue, Redeemed as statement credit
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
10 Reward Points per Rs. 100 at AJIO and JioMart online stores, 5 per Rs. 100 at other participating Reliance Retail stores, and 5 per Rs. 100 on dining and movies. At SBI's published Rs. 0.25 a point those are 2.5% and 1.25%. Separately the card pays 5% cashback on JioMart, capped at Rs. 250 a month.
Into your JioMart wallet, within 90 days, and redeemable in the general merchandise and fashion categories — not as statement credit. That is the card's main catch: the headline 5% is real money but it can only be spent back inside JioMart, and it caps at Rs. 250 a month.
Yes, on annual spends of Rs. 1,00,000 or more in the preceding year, which is about Rs. 8,350 a month. In the first year the Rs. 500 Reliance Retail welcome voucher more than covers the Rs. 499 plus taxes, so the card effectively costs nothing to try.
No. SBI publishes no airport lounge access for this card — that belongs to the Reliance SBI Card PRIME, which carries a higher fee along with domestic and international lounge access and free movie tickets.
Only partly. Dining and movies earn 1.25% and have nothing to do with Reliance, which is better than nothing, but the card's case rests on AJIO, JioMart and Reliance Retail. Without that spending a flat cashback card will pay more on the same money.
Rs. 0.25, which is SBI Card's published value across its range. Points redeem as Reliance Retail e-vouchers, from the SBI Card rewards catalogue, or as statement credit — and the e-voucher route is the one most holders of this card will actually use.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Reliance SBI Card — 5% on groceries, up to ₹250 per month. ₹589 a year.