All cards / SBI Card
SBI Card
Spar SBI Card SELECT
Visa
Spar SBI Card SELECT
The top tier of SBI's Spar co-brand series, adding international lounge access alongside the highest grocery earn rate in the lineup. A niche fit for households doing very large, regular grocery runs at Spar.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in groceries, 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
- 🛒 Groceries
10% reward rate
- ✈️ Travel
Complimentary domestic and international airport lounge access.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Premium welcome voucher package from Spar stores.
- Complimentary domestic and international airport lounge access.
- Top-tier grocery reward rate at Spar.
Pros
- + Highest grocery reward rate in the Spar lineup
- + Domestic and international lounge access
- + Premium welcome package
Cons
- − High fee for a grocery-focused card
- − Limited value for non-Spar shoppers