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Nature's Basket SBI Card
Nature's Basket SBI Card is a gourmet-grocery co-brand card for Nature's Basket shoppers, pairing modest accelerated in-store rewards with 4 domestic lounge visits a year at a moderate fee. It's a niche pick tied to a fairly small store footprint, so its value depends heavily on whether Nature's Basket is a regular shopping destination for the cardholder.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
points
Base reward rate
0.25%
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 groceries, dining. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.25% base rate
- Domestic lounge access: 4 complimentary domestic airport lounge visits per year
Benefits by category
- 🍽️ Dining & food delivery
1.25% reward rate
- 🛒 Groceries
0.5% reward rate
- ✈️ Travel
4 complimentary domestic airport lounge visits per year
- ⛽ Fuel
1% fuel surcharge waived at the pump, capped at ₹100 per statement cycle
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–70
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.
- Fuel surcharge waiver: 1% fuel surcharge waived at the pump, capped at ₹100 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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
- Nature's Basket gift voucher worth ₹1,500 plus complimentary access to the 'Epicure' loyalty programme, unlocking member pricing on gourmet products
- 4 complimentary domestic airport lounge visits per year
- 1% fuel surcharge waived at the pump, capped at ₹100 per statement cycle
Pros
- + 4 domestic lounge visits a year at a modest fee
- + Epicure loyalty programme access with member pricing
- + 5X points on dining, movies, and international spend
- + ₹1,500 welcome voucher on card activation
Cons
- − Nature's Basket has a limited store footprint
- − Base reward rate on other spend is weak
- − ₹2 lakh annual spend needed to waive the fee