Reliance SBI vs Reliance SBI Prime Credit Card: Ek Detailed Review

Reliance SBI vs Reliance SBI Prime Credit Card Inmese Jab humein sahi credit card chunna hota hai, tab kai factors dhyan mein aate hain. Is tulna mein, hum do Famous credit cards – Reliance SBI aur Reliance SBI Prime ke features pe gaur karenge.

Joining aur Renewal Fees:

  • Reliance SBI: ₹499 + Taxes
  • Fee waive hoti hai agar pichle saal ₹1 lakh ka kharch kiya gaya ho.
  • Reliance SBI Prime: ₹2,999 + Taxes
  • Fee waive hoti hai agar pichle saal ₹3 lakh ka kharch kiya gaya ho.

Welcome Benefits:

  • Reliance SBI: ₹500 ka Reliance retail voucher milta hai.
  • Reliance SBI Prime: ₹1,00,000 kharch karne par 45 din ke andar ₹3,000 ka voucher milta hai.

Renewal Benefits:

Kisi bhi card par renewal benefits nahi milte.

Non-Spend Base Benefits:

  • Reliance SBI: Koi base benefits nahi hote.
  • Reliance SBI Prime: Movie benefit – har mahine Book My Show ke through ek complimentary ticket.

Airport Lounges:

  • Reliance SBI Prime: Har quarter mein 2 domestic airport lounge visits, yaani ek saal mein 8 visits. 4 international airport lounge visits har saal. Domestic aur international lounge visits sirf Priority Pass ke through.

Spend Benefits:

Reliance SBI:

  • Reliance Trend: 5% discount up to ₹250 har mahine.
  • Ajio: 5% discount up to ₹250 har mahine (minimum order value ₹2999).
  • Centro: 5% discount up to ₹1000 har mahine.
  • Zivame: 5% discount up to ₹250 har mahine.
  • CoverStory: 5% discount up to ₹250 har mahine.
  • Urban Ladder: 5% discount up to ₹250 har mahine.
  • Jiomart: 5% discount up to ₹250 har mahine.

Reliance SBI Prime:

  • Reliance Trend: 10% discount up to ₹750 har mahine.
  • Ajio: 5% discount up to ₹1000 har mahine (minimum order value ₹2999).
  • Centro: 10% discount up to ₹2000 har mahine.
  • Zivame: 5% discount up to ₹1000 har mahine.
  • CoverStory: 5% discount up to ₹1000 har mahine.
  • Reliance Jewels: 2% discount on Diamond Jewellery & making charges of gold jewellery.

Reward Structure:

Reliance SBI:

  • 5 reward points for every ₹100 spent on Reliance retail.
  • 5 reward points for every ₹100 spent on Dining and Movies.
  • 1 reward point for every ₹100 spent on other expenses. No Reward Points on Fuel, Rent, and wallet loads.

Reliance SBI Prime:

  • 10 reward points for every ₹100 spent on Reliance retail.
  • 5 reward points for every ₹100 spent on Dining and Movies.
  • 2 reward points for every ₹100 spent on other expenses. No Reward Points on Fuel, Rent, and wallet loads.

Milestone Benefits:

Reliance SBI:

  • ₹500 Reliance Retail voucher on annual spends of ₹25,000 at Reliance Retail.
  • ₹750 Reliance Retail voucher on annual spends of ₹50,000 at Reliance Retail.
  • ₹1000 Reliance Retail voucher on annual spends of ₹80,000 at Reliance Retail.

Reliance SBI Prime:

  • ₹1500 Reliance Retail voucher on annual spends of ₹75,000 at Reliance Retail.
  • ₹2250 Reliance Retail voucher on annual spends of ₹1.5 lakh at Reliance Retail.
  • ₹3000 Reliance Retail voucher on annual spends of ₹3 lakh at Reliance Retail.

Reward Redemption:

Reward points ko statement credit ya Reliance retail vouchers ke against redeem kiya ja sakta hai. 1 reward point = 25 paisa.

Opinion aur Conclusion:

Dono hi cards strong non-spend benefits offer karte hain, khaaskar Prime variant mein movie benefits aur lounge access ke saath. Non-Reliance retail expenses par, including UPI spends, returns thode kam hain (0.25% for Reliance1 aur 0.5% for Prime). Milestone benefits significant hain, jo Reliance retail expenses par higher returns provide karte hain. Prime card un logon ke liye recommended hai jo J ya Trends brands ko adhik istemal karte hain for enhanced returns. High spenders ke liye returns substantial ho sakte hain, jisme Reliance1 par 7.5% tak aur Prime par 12.5% tak pahunch sakte hain.

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