I have a Reliance SBI Credit Card and I often shop online. Can someone help me understand how the Reliance SBI cards stack up in 2025 with respect to online shopping rewards — what are the reward point rates, which merchants or categories are covered (e.g. fashion, grocery, e-commerce sites), any caps or minimum spends, and how it compares with other popular credit cards for online purchases?
Hey — interesting question. Here’s what I found and how I’d assess the position of Reliance SBI Credit Cards for online shopping rewards in 2025 (with a caveat that features can vary by card variant, so always check your own card’s terms).
What the official sources say:
• The Reliance SBI Card (basic variant) gives 5 Reward Points per ₹100 spent on dining & movies, and 1 Reward Point per ₹100 on other retail purchases.
• The Reliance SBI Card PRIME has a better structure: 10 Reward Points per ₹100 on Participating Reliance Retail Stores (mapped in SBI’s system) for non-UPI payments.
• In the general “Credit Cards” overview on SBI’s site, they mention “5X Reward Points on online spends; 10X Reward Points on online spends with exclusive partners” for some card variants.
• SBI’s redemption portal and FAQ confirm you can redeem reward points through sbicard.com or the SBI Card Mobile App.
How they compare (pros & cons, and relative to competitors)
• Strengths Weaknesses / Caveats Where they stand vs rivals
• The PRIME variant’s special reward on Reliance Retail (which may include platforms like Ajio, JioMart, etc.) gives them an edge in that ecosystem. The “other retail purchases” rate is modest (for base variant) — so non-partner e-commerce sites may not see great yields. Compared to many pure “shopping / online reward” cards, which offer higher multipliers (say 5×, 10× etc.) for e-commerce, Reliance SBI holds up if you mostly shop within their ecosystem.
• Frequent offers and tie-ups (discounts, “enhanced reward point” schemes) can boost effective returns. There may be caps, conditions (UPI vs non-UPI, mapped MIDs), and merchant exclusions that reduce yield. If your online shopping is diversified (Amazon, Flipkart, etc.), cards like SBI’s SimplyCLICK or other banks’ e-commerce co-brands may outpace a Reliance card for those channels.
• The SBI infrastructure (web + app + reward redemption catalog) is mature and provides a good interface. Rules are changing (for example, SBI’s new changes exclude reward points on digital gaming / government transactions from Sept 2025) which shows that what’s “online” and “eligible” can shift. For pure cashback (rather than reward points) cards, some competitors are offering flat, high online cashback without as many constraints.