About Aditya Birla SBI Card
Aditya Birla SBI Card is the base variant among the two co-branded credit cards offered by SBI Card in partnership with Aditya Birla Group. It is a good option for users who frequently shop at Aditya Birla Fashion brands like Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, and Pantaloons.
The card offers 10X reward points on Aditya Birla brand spends and 5X rewards on dining, entertainment, and hotel expenses, making it useful for both everyday and travel-related spending. Reward points can be redeemed via the Shop & Smile catalogue or for vouchers at a value of ₹0.25 per point.
A key highlight is that, unlike many co-branded cards, it offers accelerated rewards across multiple categories beyond partner brands. It also comes with welcome benefits worth the joining fee and milestone rewards worth ₹1,000, adding to its overall value.
With a low annual fee of ₹499, this shopping credit card is a good choice for loyal Aditya Birla shoppers. However, users willing to pay a higher fee can consider the premium variant—Aditya Birla SBI Card SELECT—offered as an SBI credit card with enhanced benefits.
Aditya Birla SBI Card Rewards Program
Rewards Program
- Earn 10 reward points per ₹100 on Aditya Birla stores and brands like Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, Ted Baker and Fred Perry
- Earn 10 reward points per ₹100 on Vi (Vodafone Idea) spends
- Earn 5 reward points per ₹100 on dining, entertainment and hotel spends
- Earn 1 reward point per ₹200 on other spends
Reward Redemption
- Redeem points for vouchers, gifts or catalogue items at ₹0.25 per point
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Welcome Benefit
- Get 2,000 reward points worth ₹500 on joining fee payment
Milestone Benefits
- Earn 2,000 reward points on ₹1 lakh annual spends
- Get additional 2,000 reward points on ₹1.5 lakh annual spends
Also Read: Best Milestone Benefits Credit Cards
Fuel Benefit
- Get 1% fuel surcharge waiver up to ₹100 per month on fuel spends up to ₹3,000
Also Read: Best Fuel Credit Cards
Fees and Charges
| Particulars | Amount |
|---|
| Joining Fee | Rs. 499 + Applicable Taxes |
| Annual Fee | Rs. 499 + Applicable Taxes |
| Finance Charges | 3.75% p.m. | 45% p.a. |
| Late Payment Charges | | For Statement Balance: | | | Up to Rs. 500 | Nil | | More than Rs. 500 up to Rs. 1,000 | Rs. 400 | | More than Rs. 1,000 up to Rs. 10,000 | Rs. 750 | | More than Rs. 10,000 up to Rs. 25,000 | Rs. 950 | | More than Rs. 25,000 up to Rs. 50,000 | Rs. 1,100 | | More than Rs. 50,000 | Rs. 1,300 |
|
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Document Required For Aditya Birla SBI Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
Aditya Birla SBI Card Highlights
What do we like about this card?
- Earn up to 10 reward points per ₹100 on Aditya Birla brands and Vi spends
- Earn 5 reward points per ₹100 on dining, entertainment and hotel spends
- Get 2,000 reward points worth ₹500 as welcome benefit
- Earn up to 4,000 bonus reward points on annual spends
- Save with 1% fuel surcharge waiver up to ₹100 per month
Things to Know Before you apply
Get this card if:
- You frequently shop at Aditya Birla brands like Pantaloons, Allen Solly, Van Heusen, or Peter England
- You want better savings on both online and offline fashion purchases
- You are looking for an entry-level card with good value-back on dining, entertainment, and hotel spends
- You can spend around ₹1.5 lakh in a year to unlock milestone benefits
Pros
- Earn accelerated reward points on Aditya Birla and partner brand spends
- Get 5X reward points on dining, entertainment, and hotel expenses
- Welcome benefits equal to the joining fee
- Earn up to 4,000 bonus reward points on milestone spends
Cons
- No annual fee waiver or renewal benefits
- Low reward value of ₹0.25 per point
- No travel or lifestyle perks like airport lounge access
- Reward redemption is limited to Shop n Smile catalogue or gift vouchers
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number
For Further Support: Contact SBI Customer Care Center
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Frequently Asked Questions
Yes, you get 2,000 reward points (worth ₹500) as a welcome benefit after paying the joining fee. These points are usually credited within 60 days.
No, reward points cannot be redeemed for direct cashback. You can use them through the Shop & Smile catalogue or for gift/e-gift vouchers at a value of ₹0.25 per point.
This card is best for fashion and retail spends. Cards like SBI SimplySAVE are better for daily expenses, while SBI Prime offers more premium travel and lifestyle benefits.
You can redeem points via the SBI Card website or mobile app. Options include vouchers, merchandise, or statement balance, where 4 reward points = ₹1.
No, you do not earn reward points on fuel transactions. However, you can still save with a 1% fuel surcharge waiver on transactions up to ₹3,000, with a monthly cap of ₹100.
