Reliance SBI PRIME vs Union Bank Visa Signature
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Reliance SBI PRIME Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.4/10 vs 7.1/10.
| Feature | Reliance SBI PRIME | Union Bank Visa Signature |
|---|---|---|
| CardTrail Score | 8.4/10 | 7.1/10 |
| Annual Fee | ₹2,999 | ₹250 |
| Base Reward Rate | 1% | 0.5% |
| Max Reward Rate | 2.5% | 2% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 8 | 2 |
| International Lounges | 4 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa Signature |
When to Choose Reliance SBI PRIME
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 2.5% vs 2%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: shopping, cashback, rewards
When to Choose Union Bank Visa Signature
- You can meet the fee waiver condition: Spend ₹1L/year
- Your primary spend is: general, rewards
Annual Fee Value Analysis
To break even on Reliance SBI PRIME's ₹2,999 fee at 1% rewards, spend ₹24,992/month.
To break even on Union Bank Visa Signature's ₹250 fee at 0.5% rewards, spend ₹4,167/month.