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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
No published ceiling on this tier
Online shopping
No published ceiling on this tier
Dining
No published ceiling on this tier
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 |
| 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
We do not have airport lounge recorded for this card. Check the issuer's page before relying on it.
We do not have fuel surcharge waiver recorded for this card. Check the issuer's page before relying on it.
We do not have upi payments recorded for this card. Check the issuer's page before relying on it.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
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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
STATE BANKYatra SBI Card BK₹499
STATE BANKEtihad Guest SBI Card BK₹1,499| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Reliance SBI Card · this card | ₹589 | 5% groceries | Not recorded |
| 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.
We do not have lounge details recorded for this card. Check the issuer’s page.
We do not have UPI details recorded for this card.
We do not have an exclusions list recorded for this card. Check the issuer’s terms.
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.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
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.