Nature’s Basket SBI Credit Cards Review

If we look at the welcome benefits, then both the credit cards justify their joining fee by providing the welcome benefits worth their value. The normal variant comes with a joining fee of Rs. 1,499 and lets you earn welcome benefits worth Rs. 1,500. Similarly, at a joining fee of Rs. 4,999, the Elite variant offers welcome benefits worth Rs. 5,000. Here are the benefits provided by Nature’s Basket SBI Credit Cards:

Nature’s Basket SBI Credit Card:

• Nature’s Basket gift voucher worth Rs. 1,500 on the payment of annual fee
• Complimentary access to “Epicure” Nature’s Basket loyalty program

Nature’s Basket SBI Credit Card Elite:

• Nature’s Basket gift voucher worth Rs. 5,000 on the payment of annual fee
• Complimentary access to “Connoisseur” Nature’s Basket loyalty program

In both cases, you must remember that the benefits provided are limited to Nature’s Basket only. You will get a free voucher as well as free membership, which is a great deal if you are a loyal customer of Nature’s Basket. However, being a premium credit card, the Elite version offers a premium loyalty program that has more benefits compared to the ‘Epicure’ loyalty program.

Overall, both credit cards offer decent welcome benefits and your choice depends on your spending pattern and repayment capacity. If you think you can pay a joining fee of Rs. 4,999, then you can opt for the Elite version. Otherwise, you can apply for the normal variant if you don’t want to pay a high joining fee.

Also look for: Best Credit Cards for Welcome Benefits

Nature’s Basket SBI Credit Card and Nature’s Basket SBI Card Elite, both of them offer milestone privileges to their users. However, spending milestone for the Elite version is higher as it comes with a high annual fee, which makes it suitable for high spenders. The milestone benefits provided by both credit cards are as follows:

• Nature’s Basket SBI Credit Card: Gift voucher of premium brands like Aldo, Inglot, Bath & Body Works, Charles & Keith worth Rs. 3,000 on annual spends of 3 lakh
• Nature’s Basket SBI Card Elite: Taj gift vouchers worth Rs. 10,000 on annual spends of 6 lakh

Both credit cards offer satisfactory milestone privileges as compared to spending milestones. However, even after spending Rs. 6 lakh, you will get gift vouchers that are applicable only on Taj. On the other hand, on spending Rs. 3 lakh, you will get gift vouchers of multiple brands, which is a good thing if you are a frequent shopper. The Elite version restricts you from availing benefits on multiple brands.

In general, if you frequently shop from brands like Bath & Body Works, Aldo, Charles & Keith, then choosing the normal variant would be a right choice for you. However, if you think you can easily spend Rs. 6 lakh in a year or frequently visit Taj, then without a doubt, you should go for the Elite version.

Both cards let you earn reward points on every transaction, whether online or offline. However, being co-branded credit cards, both of these offer higher rewards on your expenses at Nature’s Basket only. Details for the same are mentioned in the table below:

*7 reward points will be credited by SBI Card to your credit card account and 3 reward points will be credited by Nature’s Basket directly to your Nature’s Basket Loyalty account.

**15 reward points will be credited by SBI Card to your credit card account and 5 reward points will be credited by Nature’s Basket directly to your Nature’s Basket Loyalty account.

If we look at the rewards rate, then any of these cards will be beneficial for you if you frequently order from Nature’s Basket. The higher reward points are offered only on your transactions at Nature’s Basket and selected categories. Apart from this, if you look at the rewards rate, then it is quite basic as you can redeem the earned reward points at a value of 4 Reward Points = Re. 1. There are cards available in the market that offer better reward points with a low annual fee.

Overall, you can apply for any of these credit cards if you are a frequent customer of Nature’s Basket. The good thing is you can also redeem the reward points against the products available under Shop and Smile Rewards Catalogue. However, if you are looking for a credit card that offers decent reward points on your expenses, then you can look for top credit cards for reward points.

Comparing the lounge benefits of both cards, it is quite visible that Nature’s Basket SBI Card Elite is better than the normal variant as it offers domestic as well as international lounge access every year. Here are the lounge benefits offered on both of these credit cards:

Nature’s Basket SBI Credit Card:

• 4 complimentary visits per year (Max. 1 per quarter) to domestic airport Visa lounges in India

Nature’s Basket SBI Card Elite:

• 2 complimentary domestic airport Visa lounge visits every quarter in India*
• Complimentary membership to the Priority Pass Program worth $99**
• 6 complimentary airport lounge visits per calendar year, outside India (Max. 2 visits per quarter)

*This offer is brought to you by Visa and is for limited period only.

**Only primary cardholders are eligible for Priority Pass and complimentary membership will be valid for 2 years only.

No doubt the Elite version is better in terms of lounge access as it offers complimentary domestic as well as international lounge visits along with the Priority Pass program. However, you must remember that these benefits are provided at an annual fee of Rs. 4,999. Though, the normal variant offers complimentary domestic lounge visits with an annual fee of Rs. 1,499. Considering fees and benefits, both cards offer decent privileges to their customers.

Overall, Nature’s Basket SBI Credit Card would be a right choice if you don’t travel internationally, otherwise, you can apply for the Elite version for premium benefits. The choice between these two credit cards depends on your travel pattern.

Suggested read: Top Credit Cards for Airport Lounge Access

Apart from the above-mentioned benefits, there are a few common benefits that are offered by both credit cards. These benefits include fuel surcharge waiver, renewal fee waiver, EMI conversion and much more. Here are the details:

Additional Benefits of Nature’s Basket SBI Card Elite

Being a premium credit card, the Elite version offers more benefits as compared to the normal variant. Some of the benefits are mentioned below:

Free Movie tickets: You can avail free movie tickets worth Rs. 6,000 every year on your transactions. However, the maximum discount for a single ticker is capped at Rs. 250 and the transaction is valid for at least on booking 2 tickets per month.

Concierge Services: The Elite version offers 24×7 concierge services to its users on assistance regarding flower delivery, gift delivery, online doctor consultation and more.

Nature’s Basket SBI Credit Card is a great option for people who frequently shop from Nature’s Basket. You should get any of these SBI Credit Cards if:

• You are looking for a co-branded credit card that offers reward points
• You are a loyal customer of Nature’s Basket
• You want to earn higher rewards on dining, movies, entertainment & international spends
• You want to earn milestone benefits on your credit card
• You can pay a high annual fee (Applicable for the Elite version)
• You want to earn lounge benefits

You should avoid applying for any of these credit cards if:

• You do not frequently shop from Nature’s Basket
• You are looking for a zero annual fee credit card
• You want to earn higher rewards on multiple categories
• You want to earn instant cashback on your purchases

Nature’s Basket SBI Credit Cards are no doubt a great option for people who frequently shop from the brand. However, there are a few things that you should keep in mind before applying for any of these credit cards:

• You have to pay an annual fee even if you don’t use the card
• Most of the benefits are restricted to Nature’s Basket
• The card comes with a low rewards rate for other categories
• The normal variant does not offer international lounge access

Both the variants are good if you frequently do grocery shopping from Nature’s Basket. However, if you are looking for other similar credit cards, then you can look for popular credit cards for grocery shopping in the table mentioned below:

Nature’s Basket Credit Card is a good option if you are looking for a co-branded credit card that offers reward points on your expenses. However, before choosing any of these credit cards, you should analyze your spending pattern and repayment capacity to make the most out of that card. You should always choose a card that fits your lifestyle the best. Apart from the collaborated brand, these cards also offer benefits on other brands and categories as well. Overall, these credit cards are a great option for frequent shoppers of Nature’s Basket, but, if your goal is to earn decent rewards on multiple categories, then you can look for top credit cards available in the market.