Federal Bank Signet vs Reliance SBI PRIME
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Reliance SBI PRIME Credit Card wins 3 of 8 dimensions with a CardTrail Score of 8.4/10 vs 7.1/10.
| Feature | Federal Bank Signet | Reliance SBI PRIME |
|---|---|---|
| CardTrail Score | 7.1/10 | 8.4/10 |
| Annual Fee | Free | ₹2,999 |
| Base Reward Rate | 1% | 1% |
| Max Reward Rate | 3% | 2.5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 1 | 8 |
| International Lounges | 0 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa |
When to Choose Federal Bank Signet
- You want a lifetime free card with zero annual cost
- You want higher rewards — up to 3% vs 2.5%
- Your primary spend is: travel, rewards
When to Choose Reliance SBI PRIME
- You can meet the fee waiver condition: Spend ₹3L/year
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: shopping, cashback, rewards
Annual Fee Value Analysis
To break even on Reliance SBI PRIME's ₹2,999 fee at 1% rewards, spend ₹24,992/month.
Federal Bank Signet is lifetime free — no break-even needed.