Comparison Between Reliance SBI Card PRIME and Adani One Signature Card

The Reliance SBI Card PRIME is a collaboration between SBI and Reliance and is created for those who frequently shop at Reliance Retail stores online and offline. It offers a huge range of rewards and benefits that boost the cardholder’s shopping experience and is best for shopping enthusiasts. On the other hand, the Adani One Signature Card mainly focuses on traveling purposes and serves consumers who spend frequently in Adani’s ecosystem, such as its airports, providing exclusive perks that make traveling and daily transactions more rewarding.

The reason behind comparing these two giants is simple: both cards are co-branded and offer similar perks, such as reward points, lounge access, and welcome gifts. Each card has unique features designed with the consumer’s preferences in mind. This comparison aims to highlight these unique offerings, helping you decide which card best matches your lifestyle and spending habits.

Reliance SBI Card Prime

The Reliance SBI Card PRIME is a premium card that offers many benefits and privileges designed for enthusiastic shoppers, especially at Reliance Retail stores. Upon paying the joining fee of ₹2,999, cardholders are greeted with a warm welcome benefit of a Reliance Retail voucher worth ₹3,000 and a discount voucher worth ₹11,999. The card makes the deal even better with special milestone benefits like the spend-based waiver, where you spend ₹3 lakhs annually and won’t have to pay the renewal fee. You’ll receive extra Reliance Retail vouchers worth ₹1,500 when you spend ₹75,000, vouchers worth ₹2,250 on annual spends of ₹1,50,000, and vouchers worth ₹5,500 on yearly spends of ₹3 lakh at Reliance Retail stores within the year.

The Reliance SBI Card PRIME boosts your shopping experience by offering 10 reward points for every ₹100 spent at participating Reliance retail stores, 5 reward points for every ₹100 spent on movies, dining, and airlines, and 2 reward points for every ₹100 spent on retail purchases and these reward points can be redeemed for Reliance vouchers. You will enjoy more than just shopping with the card. It also gives you perks for entertainment and travel. This includes monthly movie tickets worth ₹250 and access to lounges at domestic airports eight times a year and international airports four times yearly.

Adani One Signature Card

The Adani One Signature Card is specially designed to bring a variety of benefits to its users. To begin with, there is a joining fee of ₹5,000 with taxes, which is quite high, but it comes with great benefits, making it worth the money. Cardholders can earn 7% rewards on purchases within the Adani ecosystem, including at airports managed by Adani and services like gas and electricity. There are rewards for other spending, such as 1.5% on domestic expenses (except for fuel and rent), 2% on international expenses, and 0.5% on utilities and insurance. The annual fee is waived if you spend more than ₹6 lakh in a year.

The Adani One Signature Card offers impressive welcome benefits like hotel and holiday vouchers worth ₹2,000 each and a ₹5,000 flight voucher if you spend ₹25,000 within the first 60 days of card activation, making the total introductory perks worth ₹9,000. Other benefits include a 50% discount of up to ₹500 on BookMyShow, four domestic airport lounge access and two international airport lounge access every quarter, a 1% fuel surcharge waiver, and exclusive airport benefits such as meet and greet, valet parking, premium car parking, etc., are also included with this card.

Reliance SBI Card Prime Vs Adani One Signature Card

Features	Reliance SBI Card Prime	Adani One Signature Card
Annual Fee	₹2,999 + GST	₹5,000 + GST
Reward Rate	10 RP for every ₹100 spent on Reliance Retail Store 5 RP for every ₹100 spent on dining, movies, etc. 2 RP for every ₹100 spent on other retail purchases	7% Adani RP on spends made with Adani Ecosystem 2% Adani RP per ₹100 spent on international spends 1.5% Adani RP per ₹100 spent on all domestic spends 0.5% Adani RP per ₹100 on utility and insurance spends
Reward Redemption	RP can be redeemed for Reliance Vouchers 1 RP = ₹0.25	RP can be redeemed for Adani Rewards
Welcome Benefits	Reliance Retail Vouchers Worth ₹3,000 Discount Vouchers of ₹11,999	Hotel Voucher worth ₹2,000 Holiday Voucher Worth ₹2,000 ₹5,000 Flight Voucher on Spends of ₹25,000
Entertainment Perks	Complimentary movie tickets worth ₹250 every month	50% off up to ₹500 on movie tickets via BookMyShow
Travel Perks	Two domestic airport lounge access every quarter Four international airport lounge access every year	Four domestic airport lounge access every quarter Two international airport lounge access annually

Bottom Line

Both the Reliance SBI Card PRIME and the Adani One Signature Card offer different benefits that suit various spending habits. The decision between them mainly relies on where you often shop and the kinds of rewards you value the most. The Reliance SBI Card PRIME is more beneficial for those who frequently shop at Reliance Retail stores, offering higher reward points in that ecosystem. On the other hand, the Adani One Signature Card is ideal for individuals who spend more within the Adani ecosystem and value travel perks. Ultimately, the better card for you depends on your personal preferences.

One of the biggest differences between these cards is that the Reliance SBI Card PRIME is for people who like to shop regularly and earn reward points for every purchase, whereas the Adani One Signature Card primarily targets people who travel frequently, either on business-related trips or vacations. Users with the Adani card will get exclusive privileges at all Adani lounges in India.