SBI Card
Aditya Birla SBI Card SELECT
Annual Fee
₹1,769₹1,499 + GSTBase Reward
2% points
Foreign Markup
3.5% on the conversion amount
Welcome Benefits
6000 Rewards Points on card issuance
Product Highlights
- 6000 Rewards Points on card activation
- 20X Reward Points for every ₹100 spent on Aditya Birla Stores
- 10X Reward Points for every ₹100 spent on Entertainment, Dining, and Hotels
- 2X Reward Points per ₹200 spent on other categories
- 1% fuel surcharge waiver
- 4 complimentary Domestic Airport Lounges access
Category Rewards
dining
10X on dining, movies, departmental stores, grocery
10X
entertainment
10X on dining, movies, departmental stores, grocery
10X
Specialty
10X on dining, movies, departmental stores, grocery
10X
grocery
10X on dining, movies, departmental stores, grocery
10X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Pantaloons
20X at Aditya Birla group brands
Hush Puppies
20X at Aditya Birla group brands
Van Heusen
20X at Aditya Birla group brands
Allen Solly
20X at Aditya Birla group brands
Peter England
20X at Aditya Birla group brands
Louis Philippe
20X at Aditya Birla group brands
ABFRL stores
20X at Aditya Birla group brands
Reward Calculator
Earns ₹1,831/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
14.4K
SBI Reward Points
₹3.6K
via standard · ₹0.25/pt
Effective rate
1.88%
Annual fee
₹1,769
Year 1 net
+₹1,831
Year 2+ net
+₹1,831
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
₹6,000 e-Gift voucher
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
20X Reward Points for every ₹100 spent on Aditya Birla Stores, 10X Reward Points for every ₹100 spent on Entertainment, Dining, and Hotels, and 2X Reward Points per ₹200 spent on other categories.
- 1 RP = ₹0.25 against card’s outstanding balance or for gift vouchers on SBI card website or SBI mobile app.
Benefits & Features
Domestic: 4 complimentary access to Domestic Airport Lounges (1 visit every quarter) International: N/A Full lounge access description not provided
Pros & Cons
Pros
- High reward points on Aditya Birla Stores
- Complimentary lounge access
- Milestone benefits for high spenders
Cons
- High joining fee
- Limited international lounge access
Partner Merchants
Ready to apply?
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Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks