All Cards
visaclassiccredit
Aditya Birla SBI Credit Card
SBI Card
travelshopping
Annual Fee
₹499
Joining Fee
₹499 + GST
Base Reward
1% points
Foreign Markup
3.5% on the conversion amount
Interest Rate
3.5% per month
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
Rewards
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.
Redemption
1 Reward Point = ₹0.25
Category Rewards
| Category | Reward Rate | Monthly Cap |
|---|---|---|
shopping | 10%(10 Reward Points on Aditya Birla Stores) | No cap |
dining | 5%(5 Reward Points on Dining, Entertainment, and Hotels) | No cap |
other | 0.5%(1 Reward Point for every ₹200 spent on other categories) | No cap |
Merchant-Specific Rewards
| Merchant | Reward | Context |
|---|---|---|
| Aditya Birla Stores | 10 Reward Points | offline |
| Dining, Entertainment, and Hotels | 5 Reward Points | offline |
Benefits & Features
1% surcharge waiver on fuel transactions at all fuel stations across India
Fees & Charges
Annual Fee₹499
Joining Fee₹499 + GST
Foreign Markup3.5% on the conversion amount
Interest Rate3.5% per month
Cash Advance2.5% on the transaction amount subject to a minimum charge of ₹500
Redemption Fee₹99 per redemption request
Eligibility
Available Networks
visa
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
Aditya Birla Stores