Adani One Signature Credit Card vs Reliance SBI Card Prime: Which Credit Card Wins in 2026?

Quick Verdict

• The Adani One Signature Credit Cardⓘ wins for everyday spending due to its higher base reward rate of 1% compared to 0.5% on the Reliance SBI Card Primeⓘ.
• For travel and lounge access, Reliance SBI Card Primeⓘ offers more domestic and international lounge visits, making it better suited for frequent travelers.
• The Reliance SBI Card Primeⓘ is cheaper to hold with a lower joining and annual fee of Rs 2,999 versus Rs 5,000 each on the Adani One Signatureⓘ.
• Choose Adani One Signatureⓘ if you are a heavy spender looking for higher rewards and travel benefits; pick Reliance SBI Card Primeⓘ if you want more lounge access and lower fees with good rewards on groceries and online spends.

Side by Side

Rewards Compared

The Adani One Signature Credit Cardⓘ offers Rs 100 back on Rs 10,000 spent at the base rate of 1%. This is double the Rs 50 return on the Reliance SBI Card Primeⓘ base rate of 0.5%. For category spends, Adani One Signatureⓘ shines with 7% rewards on travel spends, yielding Rs 700 per Rs 10,000, and 3.5% on utilities, or Rs 350. The Reliance SBI Card Primeⓘ offers 5% returns on grocery and online spends, which is Rs 500 per Rs 10,000, making it attractive for these categories but still below the Adani card’s travel rewards.

This means if your spend is travel-heavy, the Adani One Signatureⓘ clearly offers better value. For grocery and online shopping, the Reliance SBI Card Primeⓘ provides solid rewards but with a lower base rate overall.

Fees Compared

The Adani One Signature Credit Cardⓘ charges Rs 5,000 as both joining and annual fees. These fees are waived if you spend Rs 2.00 lakh annually, which breaks down to about Rs 16,667 per month. The Reliance SBI Card Primeⓘ has lower fees at Rs 2,999 for joining and annual fees, with a waiver threshold of Rs 3.00 lakh annually or Rs 25,000 monthly spend.

The Adani One Signatureⓘ demands a higher monthly spend to waive fees but offers higher returns that can justify the extra Rs 2,001 annual fee if you spend above Rs 4.00 lakh annually. Below this, the Reliance SBI Card Primeⓘ is more economical.

Which One Should You Pick

The Adani One Signature Credit Cardⓘ is best for premium users who spend heavily on travel and utilities. Its high reward rates in these categories, combined with travel-related benefits like Priority Pass membership and vouchers, make it ideal for frequent travelers who can meet the Rs 2 lakh spend for fee waiver. Avoid this card if your spend is low or skewed to groceries and online shopping.

The Reliance SBI Card Primeⓘ suits shoppers and grocery buyers who want good rewards on these categories plus excellent lounge access including 4 international visits annually. Its lower fees and higher waiver threshold favor moderate spenders who want lounge perks without a heavy annual fee. Skip this card if you prioritize travel rewards or have very high spending where Adani’s better base rate pays off.

Overall, pick the Adani One Signatureⓘ for travel and higher rewards if you can meet the fee waiver spend. Choose the Reliance SBI Card Primeⓘ for balanced rewards, more lounges, and lower fees if your spend is moderate and focused on groceries and shopping.

What to Check Before You Apply

• Verify if the complimentary lounge visits on Adani One Signatureⓘ require a quarterly spend of Rs 75,000 to activate.
• Check the redemption value of points and whether they convert into vouchers or cashback at par.
• Confirm the monthly spend needed to waive fees and whether it fits your budget comfortably.
• Beware that both cards charge the standard 3.5% forex markup on foreign currency spends.
• Look up which airports have access to the lounges offered and whether they match your travel routes.

FAQ