SBI Card
Nature's Basket SBI Card
Annual Fee
₹413₹350 + GSTBase Reward
1% points
Foreign Markup
3.5% on all international transactions.
Welcome Benefits
Gift voucher worth ₹1,500 from Nature’s Basket and complimentary access to ‘Epicure’ Nature’s Basket Loyalty Program.
Product Highlights
- 2x Reward Points while spending on Nature’s Basket.
- 5 Reward Points while spending on movies, dining, entertainment, and international spends.
Category Rewards
shopping
2x Reward Points on Nature’s Basket
2X
dining
5 Reward Points on dining
5X
entertainment
5 Reward Points on entertainment
5X
Specialty
1 Reward Point on all other spends
1X
Fee Waiver
Waiver of renewal fee on the spending of ₹2 Lakhs or more in the previous year.
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Nature's Basket
5% value back at Nature's Basket
Reward Calculator
Earns ₹337/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
3K
SBI Reward Points
₹750
via standard · ₹0.25/pt
Effective rate
0.48%
Annual fee
₹413
Year 1 net
+₹337
Year 2+ net
+₹337
ongoing
Adjust your spend by reward bucket
2 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
2x Reward Points on Nature’s Basket, 5 Reward Points on dining, movies, entertainment, and international spends, 1 Reward Point on every ₹100 spent on all other spends.
- 4 Reward Points = ₹1 against statement.
Benefits & Features
Domestic: 4 complimentary visits in a year to Domestic Airport Visa Lounges in India. (Limited to 1 visit per quarter.) Complimentary access to Domestic Visa Airport Lounges in India.
Pros & Cons
Pros
- Higher reward points on Nature’s Basket purchases.
- Complimentary access to Domestic Airport Visa Lounges.
Cons
- Higher joining and annual fee of ₹1,499.
- Limited international lounge access.
Additional Info
Important note 1
Note 2
Excluded Categories
Partner Merchants
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Fees & Charges
Eligibility
Min Age
18 yrs
Networks
Fee Waiver
Waiver of renewal fee on the spending of ₹2 Lakhs or more in the previous year.