Aditya Birla SBI Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

As a special bonus, you will receive 2,000 extra Rewards Points upon signing up. With every Rs. 100 spent at Aditya Birla Stores, you will earn 10 Reward Points. You will also earn 5 Reward Points for every Rs. 100 spent on Dining, Entertainment, and Hotels. For all other categories, you will earn 1 Reward Point for every Rs. 100 spent. Additionally, there is a 1% surcharge waiver on all fuel stations in India. If you spend Rs. 1 Lakh annually, you will receive 2,000 bonus Rewards Points. Furthermore, if you spend Rs. 1.5 Lakh annually, you will receive an additional 2,000 bonus Rewards Points.

The Aditya Birla SBI Credit Card is a great choice for individuals who frequently travel and enjoy shopping.

With a joining fee of Rs. 499 + GST and renewal fee of Rs. 499 + GST, this card offers a range of rewards and benefits to its users.

One of the notable features of this credit card is its reward type, which is Reward Points.

This means that cardholders can earn points with every transaction they make using their card.

Additionally, new cardholders are greeted with a welcome benefit in the form of 2,000 activation bonus Rewards Points.

When it comes to shopping, this credit card does not disappoint.

Cardholders can earn 10 reward points for every Rs. 100 spent at Aditya Birla Stores.

Moreover, for dining, entertainment, and hotel expenses, users can earn 5 reward points for every Rs. 100 spent.

For other categories of spending, individuals can earn 1 reward point for every Rs. 200 spent.

While this credit card offers excellent benefits for shopping and reward points, it does not provide specific perks for movies, dining, or travel.

Additionally, it does not offer any domestic or international lounge access, golf privileges, or insurance benefits.

The Aditya Birla SBI Credit Card does not provide a spend-based waiver for its annual fee, and a rewards redemption fee of Rs. 99 is applicable for each redemption request.

For foreign currency transactions, a markup of 3.5% on the conversion amount applies.

The interest rate on this credit card is 3.5% per month (42% per annum), which cardholders should keep in mind if they plan to carry a balance.

However, fuel transactions at all fuel stations in India enjoy a 1% surcharge waiver.

Cash advances on this credit card are subject to a fee of 2.5% of the transaction amount, with a minimum charge of Rs. 500.

In summary, the Aditya Birla SBI Credit Card is well-suited for individuals who frequently travel and shop.

While it may not provide specific benefits for movies, dining, or travel, its reward points structure and welcome benefit make it an attractive choice for those looking to earn rewards.