Reliance SBI Card Prime – Best Card To Buy Expensive Electronics From Reliance Digital This Diwali
- madda anusha
- 2 hours ago
- 6 min read
Introduction – Diwali Shopping + The Right Credit Card
The festive season in India, especially Diwali, is the perfect time to upgrade your home with premium gadgets and electronics. Reliance Digital, one of India's largest electronics retailers, offers attractive discounts and deals during this period.
But here’s the secret: pairing your shopping with the right credit card can unlock even more value. If you’re looking for the best way to buy expensive electronics this Diwali, the Reliance SBI Card Prime stands out.
In this blog, we’ll conduct a detailed credit card comparison, share an honest credit card review, and demonstrate why this card is a powerful discount finder, not just for electronics, but also for lifestyle, dining, and entertainment
What is Reliance SBI Card Prime?
The Reliance SBI Card Prime is a co-branded credit card introduced by SBI Card in collaboration with Reliance. It is tailored for avid shoppers who enjoy purchasing electronics, fashion, and lifestyle items from Reliance outlets and Reliance Digital online.
Key Features of Reliance SBI Card Prime
• Welcome e-gift vouchers valued at ₹3,000 from Reliance brands.
• Earn up to 5% reward points on purchases made at Reliance.
• EMI options available for high-value electronics.
• Lifestyle benefits, including lounge access and dining discounts.
Benefits of Using Reliance SBI Card Prime This Diwali
Cashback & Reward Points
Users will be awarded 10 points for spending every INR 100 on Reliance Retail stores.
Value of 1 point = INR 0.25.
Reliance Retail store cashback rate: 2.5%.
5 points on spending of every INR 100 on dining, movies & entertainment, domestic airlines, and international spending.
Special Cashback Rate: 1.25%.
2 points on all other retail spends. Effective general cashback rate: 0.5%.
For high-value electronics such as 4K TVs, Laptops, Refrigerators, and Smart Appliances, these rewards can result in substantial savings amounting to thousands of rupees.
Welcome Benefits Valued at ₹3,000
Receive vouchers that can be redeemed immediately at Reliance stores, making it an ideal card for first-time electronics purchasers during the Diwali season.
Milestone Benefits
Waiver of renewal fees on an annual spend of Rs Rs 3 Lakhs in the previous year. Rs 1,500/- worth of Reliance Retail vouchers on annual spends of Rs 75,000/- at participating Reliance Retail stores.
Access to Airport Lounges
As Diwali coincides with the travel season, the Reliance SBI Card Prime offers complimentary access to domestic lounges, enhancing the comfort of your travels.8 free domestic airport lounges per calendar year (max. 2 each quarter).
4 free international airport lounges per calendar year (max. 2 each quarter).
Why It’s the Best Card for Buying Expensive Electronics
Let us conduct a brief comparison of credit cards with other well-known shopping cards:
Amazon Pay ICICI Credit Card – Ideal for Amazon purchases, yet it does not fully leverage the benefits at Reliance Digital.
Flipkart Axis Bank Credit Card – Outstanding for Flipkart transactions, but it is not advantageous at Reliance outlets.
SBI Cashback Card – Beneficial for online expenditures; however, the Reliance SBI Prime card offers greater direct advantages at Reliance Digital.
This indicates that if your objective is to shop for electronics at Reliance Digital, no card can compete with the Reliance SBI Card Prime.
Beyond Electronics – The All-in-One Discount Finder
While the main emphasis is on Reliance shopping, this card also serves as a discount locator in various other categories:
Airline Discount Locator
Gain access to SBI Card’s travel booking partners for reduced airfares.
Movie Discount Locator
Utilize reward points on BookMyShow for cinema tickets and enjoy significant savings on entertainment.
Swiggy Zomato Discount Locator
Obtain dining promotions and reward redemptions for food delivery services such as Swiggy and Zomato.
This transforms it into not merely a shopping card but a lifestyle card that is effective throughout the year. You can find all the above discounts in one place according to your credit card in our new feature. Click here
Credit Card Review – Pros & Cons
Pros
Best card for Reliance Digital Electronics purchases.
High-value welcome vouchers worth ₹3,000.
The reward points system is generous for Reliance spends.
Lifestyle benefits (airport lounges, dining, fuel waiver).
Cons
Annual fee of ₹2,999 (but can be waived if you spend enough).
Maximum benefits are Reliance-centric (not great if you shop elsewhere).
If you’re a frequent shopper, this is one of the best cashback cards you can apply for in 2025. Click here to check eligibility & apply now.
Frequently Asked Questions (FAQs)
Q1. Which SBI credit card is best for buying electronics during Diwali?
Reliance SBI Card Prime is one of the best SBI credit cards for electronics shopping at Reliance Digital, offering instant discounts, cashback, and EMI benefits.
Q2. Does Reliance SBI Card Prime give Diwali offers at Reliance Digital?
Yes. Every Diwali, SBI partners with Reliance Digital to provide exclusive festive offers like a 10% instant discount, no-cost EMI, and extra reward points.
Q3. Can I use the Reliance SBI Card Prime for online shopping at Reliance Digital?
Yes, you can use it both in-store and online at Reliance Digital to avail discounts and cashback offers during Diwali.
Q4. Is the Reliance SBI Card Prime worth it compared to other SBI credit cards?
If you mainly shop for electronics and appliances at Reliance Digital, Reliance SBI Card Prime offers higher savings than general cards like SBI Cashback or SimplyCLICK.
Q5. How much discount can I get on electronics with the Reliance SBI Card Prime?
Typically, you can save up to 10% on expensive electronics during festive seasons like Diwali, along with additional cashback and reward points.
Q6. Is the Reliance SBI Card Prime the best credit card to buy electronics this Diwali?
Yes. Reliance SBI Card Prime offers exclusive discounts, cashback, and EMI options at Reliance Digital, making it one of the best cards for electronics shopping this festive season.
Q7. What benefits do I get with the Reliance SBI Card Prime at Reliance Digital?
You get instant discounts, cashback, reward points, and easy EMI on expensive electronics like TVs, laptops, refrigerators, and premium gadgets at Reliance Digital.
Q8. Can I compare the Reliance SBI Card Prime with other SBI credit cards for Diwali shopping?
Yes. While SBI Cashback and SimplyCLICK are good for online shopping, Reliance SBI Card Prime is specifically designed for Reliance Digital purchases and offers maximum savings on electronics.
Q9. Does Reliance SBI Card Prime offer EMI on electronics at Reliance Digital?
Absolutely. The card provides No-Cost EMI and flexible tenure options, making it easier to buy high-value electronics during Diwali.
Q10. How do I apply for the Reliance SBI Card Prime?
You can apply online through the SBI Card website or visit your nearest SBI branch. Approval is subject to eligibility and credit score.
Q11. What are the eligibility criteria for the Reliance SBI Card Prime?
Applicants should be between 21-60 years old, have a stable income, and a good credit score. Final approval depends on SBI’s credit evaluation process.
Q12. Can I use the Reliance SBI Card Prime for other purchases apart from electronics?
Yes, you can use it for shopping, dining, travel, and more. However, the maximum benefits and rewards are unlocked at Reliance Digital.
Q13. Does Reliance SBI Card Prime give extra benefits during Diwali 2025? Yes. Every Diwali, Reliance Digital and SBI launch festive offers like 10% instant discounts, cashback, and bundled deals on premium electronics.
Q14. Is the Reliance SBI Card Prime better than EMI finance options at Reliance Digital?
Yes, because it not only gives EMI options but also provides cashback, reward points, and festive discounts, which EMI finance options don’t offer.
Q15. Should I choose the Reliance SBI Card Prime over the SBI Cashback or SimplyCLICK Card for Diwali shopping?
If your focus is on buying electronics from Reliance Digital, Reliance SBI Card Prime is the best choice. For general online shopping, Cashback and SimplyCLICK are better.
Final Verdict – Is Reliance SBI Card Prime Worth It This Diwali?
If you are considering purchasing high-end electronics this Diwali—such as 4K Smart TVs, iPhones, Refrigerators, or Laptops—from Reliance Digital, the Reliance SBI Card Prime is undoubtedly the optimal credit card to enhance your savings.
It not only assists you in saving money at Reliance Digital but also serves as a discount finder across various categories, including airline bookings, movie tickets, and dining through Swiggy/Zomato.
In summary:
• For dedicated Reliance Digital customers, it is essential.
• For infrequent Reliance shoppers – review the annual fee before applying.
This Diwali, achieve significant savings on electronics at Reliance Digital with the Reliance SBI Card Prime. Consult our credit card review and comparison for maximum advantages. RelianceSBI Card Prime is the best credit card to buy expensive electronics at Reliance Digital this Diwali. It offers 10% instant discounts, cashback, no-cost EMI, and exclusive festive deals on premium gadgets and appliances, making it the smartest choice for big-ticket shopping.
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