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SBI Card
Spar SBI Card
Visa
Spar SBI Card
A grocery-focused entry co-brand card for households that shop regularly at Spar hypermarkets, part of SBI's Landmark Group card family. Low fee, straightforward grocery-category rewards.
Annual fee
₹499
Joining fee
₹499
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in groceries. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🛒 Groceries
5% reward rate
- ⛽ Fuel
1% fuel surcharge waiver at fuel stations.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Welcome voucher from Spar hypermarket stores.
- Accelerated points on grocery spends at Spar stores.
- 1% fuel surcharge waiver at fuel stations.
Pros
- + Low fee with easy waiver spend
- + Accelerated rewards on grocery spends at Spar
- + Fuel surcharge waiver
Cons
- − Rewards concentrated in one grocery chain
- − No travel or lounge benefits