Mukesh Ambani Launches A Special Credit Card For Middle Class Indians
- Abhijeet Saxena
- Dec 26, 2023
- 4 min read
Updated: Dec 30, 2025

Going Through the Rewards Galaxy: Mukesh Ambani Credit Card – The Reliance SBI Card PRIME
Energise all the regular customers and travel lovers! Your doorway to a world of rewarding benefits has just hit your door in the shape of the Mukesh Ambani credit card, popularly known as the Reliance SBI Card PRIME. However, it’s time to dive into this premium co-branded card and understand whether it truly fits your budgeting style—before you’re swept away by the glimmer of shiny diamonds and dreams of exotic vacations.
Shining like a PRIME
On the face of it, the Reliance SBI Card PRIME sparkles with an annual fee of [?]2,999 (including taxes), which could be considered to be very heavy in comparison with its younger brother, the Reliance SBI Card. Nonetheless, the advantages it opens begin to outweigh the expense very soon. We would like to divide the advantages that support the PRIME treatment:
Fueling your Shopping Spree
10 Reward Points on all [?]100 at Reliance Retail: Your daily purchases at Reliance stores, be it groceries or devices, fashion accessories or furniture, will earn you a reward of 10 per cent value back. And that will be enough to give you a shopping spurt!
Welcome Benefit Voucher: A bang to the start of the journey! Get a welcome voucher of [?]3,000 on card activation to treat oneself or buy the much-needed items.
Milestone Benefit Vouchers: The more you spend in prime-time, the more you earn! Achieve an annual spending target of [?]3 lakh and [?]6 lakh and get more vouchers worth up to [?]8,750.
Beyond Retail Therapy
2.5% Value Back on Non-Reliance Spends: You can stop worrying; you can shop at the Reliance stores as well as other stores. Get a decent 2.5% value back on all other expenditures, and swipe to get rewarding points.
Access to Airport Lounges: Be proud of having PRIME status, which includes 8 domestic and 4 international airport lounges annually. Bid farewell to the chaos before the flight and relax in comfort before getting on board.
Cinema Magic: View the new films in fashion! Get a free movie ticket up to the value of [?]250 a month to add a touch of movie splendour to your free time.
1% Fuel Surcharge Ease The pain at the pump with a 1% fuel surcharge waiver on purchases between [?]500 and [?]4,000, plus GST and other fees.
But wait, there's more!
Free Add-on Card: Gratis Share the PRIME lifestyle with one fortunate loved one. Free add-on card, all the benefits and rewards are transferred to your favourite co-pilot.
Reward Redemption Flexibility: Use the points that you have earned to redeem for an array of exciting choices such as airline miles and hotel stays, gift vouchers and cashback. Choose what suits your fancy!
Contactless Convenience: Tap and pay your way to a hassle-free transaction with the contactless convenience feature of the card. Use the convenience and the security of this contemporary form of payment.
Is the PRIME Life for You?
The big question now is: should the Reliance SBI Card PRIME be in your wallet? Here's a quick reality check:
For you, if:
You are a regular customer of Reliance Retail outlets.
You have all the benefits of travel, and you like access to airport lounges.
You had spent a lot of money on different categories and expect a reasonable return.
You have an appreciation of high-end attributes such as free add-on cards and the ability to redeem rewards.
Think twice if:
Your expenditure is mostly not in Reliance Retail outlets.
You do not travel much and/or do not use an airport lounge membership.
You have a very tight budget, and the annual fee appears to be complicated.
You like certain loyalty programs of airline/hotel affiliations.
The Final Verdict
Reliance SBI Card PRIME provides an interesting package of benefits and advantages, particularly to Reliance shoppers as well as frequent travellers. In case you live in such a way that you live within its strengths, it may be compensated by the value that one benefits annually. Nevertheless, when your spending behaviour is way out of its fundamental advantages, then other cards may serve you better.
After all, it is up to you. Examine your spending habits carefully, consider both the advantages and disadvantages, and determine whether or not the PRIME life is calling your name. Note that a credit card is there to help you during your financial journey, not to put a strain on it. Make a good decision, and the rewards will be running.
To explore the credit card and debit card offers in detail, visit our website
Bonus Tip
Go to the Reliance SBI Card website and compare the PRIME one and the non-PRIME one. This will provide you with a better insight into the extra benefits you will receive by going to PRIME status.
Travellers, happy shopping, reward hunters!
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