milestone Reliance Retail vouchers worth ₹8,750 and Renewal Fee reversal on annual spends of ₹3 lakhs
20 Reward Points per ₹100 on AJIO & JioMart, 10 RP per ₹100 at other participating Reliance Retail Stores, 5 RP per ₹100 on dining, movies & entertainment, domestic and international airlines, and 2 RP per ₹100 on other retail purchases
1 free movie ticket per month (up to ₹250)
4 complimentary international lounge visits per year via Priority Pass and 2 domestic lounge visits per quarter
Fees
Joining FeeReliance Retail Voucher worth ₹3,000 on payment of joining fee, plus additional discount vouchers worth ₹11,999 of various participating Reliance Retail Stores. Vouchers shall be delivered within 30 days post realization of the joining fee
₹3,539
₹2,999 + GST
Annual FeeThe annual fee is waived if you spend ₹3 lakh or more at participating Reliance Retail Stores in a year on your card, as per bank policy
₹3,539
₹2,999 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card, minimum ₹500, if applicable
2.5%
Reward Redemption₹99 redemption fee per redemption
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of ₹199 + GST applies on rental transactions
₹199
Cheque PaymentA fee of ₹200 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹200
Cash PaymentA fee of Rs.250 + applicable taxes is levied on cash payments made at SBI branches/drop boxes for credit card bill payment
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1000
₹400
₹1001 - ₹10000
₹750
₹10001 - ₹25000
₹950
₹25001 - ₹50000
₹1100
Above ₹50000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
