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Aditya Birla SBI Card SELECT
Visa
Aditya Birla SBI Card SELECT
The upgraded SELECT tier of SBI's Aditya Birla co-brand, adding domestic lounge access and a higher earn rate at group fashion brands for shoppers who spend more heavily with Pantaloons and its sister chains.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate · Higher accelerated points at Aditya Birla Group brands plus dining.
- ✈️ Travel
Complimentary domestic airport lounge access.
- 🛍️ Shopping
10% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Higher-value welcome vouchers from Aditya Birla Fashion & Retail brands.
- Complimentary domestic airport lounge access.
- Higher accelerated points at Aditya Birla Group brands plus dining.
Pros
- + Higher reward rate at Aditya Birla fashion brands
- + Domestic lounge access
- + Larger welcome voucher value
Cons
- − Meaningfully higher fee than the base card
- − Value still concentrated in one retail group