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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
- Domestic lounge access: Complimentary domestic airport lounge access.
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
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
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
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