Aditya Birla SBI Card
Shopping
Co-branded
Reward Points
1st Year Fee: ₹499* Plus Applicable Taxes
Co-branded
10X rewards on Aditya Birla Stores
Dining
5X reward points on dining spends
Hotels
5X reward points on hotel spends
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About Aditya Birla SBI Card
Aditya Birla SBI Card is the base variant among the two co-branded cards offered by SBI Card and Aditya Birla. The card offers 10X reward points on Aditya Birla stores, along with Aditya Birla Fashion’s online and retail outlets such as Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, and more.
In addition to this, the card offers 5X reward points on dining, entertainment, and hotel spends, making it a suitable option for both day-to-day and travel-related expenses. Cardholders can redeem the accumulated reward points through the Shop & Smile Catalogue or against gifts/e-gift vouchers at a value of 1 RP = Rs. 0.25.
What makes Aditya Birla SBI Card stand out is that despite being a co-branded card, it offers accelerated rewards not just on partner brands but across multiple spending categories. Besides this, milestone benefits worth Rs. 1,000 and welcome benefits worth to the joining fee further add to the value.
Overall, at a low annual fee of Rs. 499, this card is a suitable option for loyal customers of Aditya Birla brands looking to maximize their savings. However, consumers willing to pay a higher annual fee of Rs. 1,499 can consider its premium variant, Aditya Birla SBI Card SELECT for enhanced benefits.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit SBI Card’s website.
Rewards Program
- 10 reward points per Rs. 100 spent on Aditya Birla Stores
- 10 reward points per Rs. 100 spent on Aditya Birla Fashion Online and Retail Stores, including Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, Ted Baker and Fred Perry
- 10 reward points per Rs. 100 spent at Vi (Vodafone Idea)
- 5 reward points per Rs. 100 spent on Dining, Entertainment & Hotels
- 1 reward point per Rs. 200 spent on other categories1
- Redeem accumulated reward points at Shop n Smile Catalogue or against gifts and e-gift vouchers at a value of 1 RP = Rs. 0.25
Other Features and Benefits
Welcome Benefit
- 2,000 reward points worth Rs. 500 after the payment of joining fee
Milestone Benefits
- 2,000 reward points on spending Rs. 1 Lakh in a year
- Additional 2,000 reward points on annual spends of Rs. 1.5 Lakh
Fuel Surcharge Waiver
- 1% fuel surcharge waiver on fuel spends of up to Rs. 3,000 across all petrol pumps in India, capped at Rs. 100 per month
Aditya Birla SBI Card: Fees & Charges
| Particulars | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 499 + Applicable Taxes | ||||||||||||||
| Annual Fee | Rs. 499 + Applicable Taxes | ||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if
You’re looking for accelerated savings on both online and offline fashion retail
You frequently shop from Aditya Birla brands like Pantaloons, Allen Solly, Van Heusen, or Peter England
You are looking for an entry level card with decent value-back on dinning, entertainment & hotel spends
You can spend Rs. 1.5 Lakh in a year to maximize milestone benefits
Other Similar Cards
Tata Neu HDFC Plus Credit Card
Axis Bank SELECT Credit Card
HDFC Regalia Gold Credit Card
Paisabazaar Review
What do we like about this card?
With 10X reward points on Aditya Birla online and offline stores, along with partner brands, including Louis Philippe, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, and more, this card is a suitable option for loyal customers of Aditya Birla. Despite being a co-branded card, it also offers accelerated (5X) reward points on dining, entertainment, and hotel spends, which adds to the overall value. While the reward redemption value is relatively low at Rs. 0.25 per point, cardholders who frequently shop across Aditya Birla brands can still maximize their benefits from this card.
Pros
- Accelerated reward points on Aditya Birla & its associated brands
- 5X reward points on dining, entertainment & hotel spends
- Welcome benefits worth the joining fee
- Up to 4,000 bonus rewards as milestone benefits
Cons
- No renewal benefits like annual fee waiver
- Low reward redemption value of Rs. 0.25 per point
- No travel & lifestyle related benefits, such as lounge access
- Reward redemption is limited to Shop n Smile Catalogue or against gifts/ e-gift vouchers
Frequently Asked Questions
Everything you need to know about this credit card
You can apply for this credit card online by visiting the official SBI Card website and submitting a duly filled application form. Alternatively, you can also apply offline by submitting the application form in person at any nearby SBI branch.
The credit limit is calculated by SBI Card after evaluating your application. It is calculated based on various factors such as your credit history, employment status, monthly income, and more. You will be informed about your credit limit once your application is approved.
No, this credit card does not offer reward points on fuel transactions. However, you can still save on fuel by availing a 1% fuel surcharge waiver on fuel spends of up to Rs. 3,000 per transaction, with a monthly capping of Rs. 100.
Yes, the card offers 2,000 reward points (worth Rs. 500) as a welcome benefit after the payment of joining fee. These reward points will be credited to your account within 60 days of fee payment.
No, the reward points cannot be redeemed for cashback. You can redeem the accumulated reward points through the Shop & Smile Catalogue or against gifts and e-gift vouchers at a value of 1 RP = Rs. 0.25.
Footnotes
- No reward points will be offered on fuel, utilities and mobile wallet upload.
Click here to know More Terms and Conditions
Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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