Our Money Guide

Brief Summary

Our Rating
4.0 / 5

Our View :

You get upto 20% discount on domestic hotel and flight bookings, and upto 10% discount on international flight bookings.

The annual fee is ₹499. 1st year annual fee is compensated by welcome offers, while the annual fee from second year onwards is waived off , if you spend ₹1 lakh or more in the previous year. So this is a one of the best entry level travel cards available.

on SBI Card website

SBI Card PULSE

Special Benefits

20% discount on domestic flights & hotels

Other Important Benefits

10% discount on international flights

Minimum Income

Not specified

Annual Fee

₹ 499

Annual Fee Offers

Welcome Offer worth ₹8,250

Renewal fee waiver at ₹1 lakh annual card spend

Aditya Birla SBI Card

Pros and Cons of Aditya Birla SBI Card

Pros

  • Good card for frequent shoppers at Aditya Birla Stores

Cons

  • Redemption options can be restrictive. On many redemption options, you would get a value of lower than 25 paise for each reward point.

Features & Benefits of Aditya Birla SBI Card

2.50% benefit at Aditya Birla Fashion (online and retail stores)

You get 10 reward points worth ₹2.50, on every 100 you spend in these categories.

1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform. While for certain redemption options you would get a value of ₹0.25 for each reward point, on some other options you would get a value of lower than 25 paise for each reward point. Hence redemption options can be restrictive.

Aditya Birla Stores include 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

1.25% benefit on dining & entertainment spends || hotel spends

You get 5 reward point worth ₹1.25, on every 100 you spend on these categories.

1 reward point = upto ₹0.25, and can be redeemed for gift vouchers & products at SBI Card’s rewards redemption platform. While for certain redemption options you will get a value of ₹0.25 for each reward point, on some other options you would get a value of lower than 25 paise for each reward point. Hence redemption options can be restrictive.

0.12% benefit on all other card spends

You get 0.50 reward point worth ₹0.12 (12 paise), on every 100 you spend on all other card transaction.

Exceptions : No reward points are given on fuel spends, utilities, and mobile wallet upload.

Additional benefit upto 0.66% (milestone benefit)

– You get 2000 reward points worth ₹500, at ₹1 lakh annual card spend
– You get an additional 2000 reward points worth ₹500, at ₹1.50 lakh annual card spend

Hence you could earn 4000 reward points worth ₹1000, at ₹1.50 lakh annual card spend – 0.66% benefit.

Fuel surcharge waiver upto ₹100 per month

You get 1% fuel surcharge waiver, on fuel transactions upto ₹3000 only. And only on fuel spends upto ₹10,000 per month, since the maximum waiver is capped at ₹100 per month.

SBI Card customer care

3 lifetime-free add-on cards

Aditya Birla SBI Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹499Welcome offers
– You get 2000 reward points worth 500, on joining.
Renewal fee from 2nd year onwards₹499

Late payment fee

Please refer to the below table for details

Amount dueLate Fee
 Less than ₹500Nil
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 to ₹25,000₹950
₹25000 to ₹50000₹1100
Over ₹50000₹1300

Foreign currency transaction fee

3.50% of the transaction value.

Finance charges

3.50% per month (42% p.a.).

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – SBI Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the SBI Credit Card, there are certain basic criteria that all applicants must fulfil.

Minimum age21 years
Maximum age70 years
OccupationSalaried, Self-employed
Minimum income requirementsNot specified. Should have a regular source of income
Other criteriaGood credit score, preferably above 750

Applying & Tracking Application Status

Step-by-step guide

Online application process The easiest way to apply is to click here – APPLY NOW , you shall be taken to the card application page on the SBI Card website. You can also visit the official website of SBI Card and fill out the application form.

Steps :
– Fill out the online application form – personal details like mobile phone number, emplyment, income, Aadhar / PAN number
– Click ‘Submit’ and you will receive an instant decision on the application basis the information provided
– If your application is approved, you will receive a call from SBI Card team for verification
– Post necessary verification, the card is issued to you

Virtual card : In addition to this, SBI Card team will send an SMS on your registered mobile number with a link to generate your e-card. With this e-card you can view your credit card details digitally, even before your physical card reaches you, and start shopping online instantly.
Offline (face to face)  application processYou can visit any of the nearest branches of SBI Card, and talk to an executive regarding the process.

Necessary documents and verification

Required documents   – PAN card

– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof

– Income documents – salary slip, income tax return etc. may be required depending upon the credit card eligibility & policy

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

Tracking your application status

Tracking credit card application status– You can track the status of your application on – ‘Track Application’ section. 

– Please click here – Home page (and see top section of the page section named – ‘Track your application’) OR
– Please click here – Eapply page (and see bottom of the page section named – ‘Track Credit Card Application’)
You need to enter some basic information (like application number/ reference number, name, mobile number), to see the status of your SBI Card application
Apply Now

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