SBI Card
Aditya Birla SBI Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
1% points
Foreign Markup
3.5% on the conversion amount
Welcome Benefits
Activation bonus of 2,000 Rewards Points.
Product Highlights
- 10 Reward Points for every ₹100 spent on Aditya Birla Stores
- 5 Reward Points for every ₹100 spent on Dining, Entertainment, and Hotels
- 1 Reward Point for every ₹200 spent on other categories
Category Rewards
dining
5X on dining, movies, departmental stores, grocery
5X
entertainment
5X on dining, movies, departmental stores, grocery
5X
Specialty
5X on dining, movies, departmental stores, grocery
5X
grocery
5X on dining, movies, departmental stores, grocery
5X
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Pantaloons
20X at Aditya Birla group brands
ABFRL stores
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
ABG Wellness
20X at Aditya Birla group brands
Reward Calculator
Earns ₹2,261/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
11.4K
SBI Reward Points
₹2.9K
via standard · ₹0.25/pt
Effective rate
1.48%
Annual fee
₹589
Year 1 net
+₹2,261
Year 2+ net
+₹2,261
ongoing
Adjust your spend by reward bucket
3 bucketsSurcharges & 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–₹3,000 fuel txns · capped at ₹100/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
10 Reward Points for every ₹100 spent on Aditya Birla Stores, 5 Reward Points for every ₹100 spent on Dining, Entertainment, and Hotels, and 1 Reward Point for every ₹200 spent on other categories.
- 1 Reward Point = ₹0.25
Benefits & Features
1% surcharge waiver on fuel transactions at all fuel stations across India
Pros & Cons
Pros
- Low annual fee of ₹499
- High reward rate on Aditya Birla Stores
- Welcome bonus of 2,000 Rewards Points
Cons
- No complimentary airport lounge access
- Redemption fee of ₹99 per request
Partner Merchants
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Fees & Charges
Eligibility
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