Aditya Birla SBI Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹999
₹999
2.5%
6 visits/yr
Contents
A co-branded lifestyle credit card focused on Aditya Birla retail benefits and accelerated rewards across dining, hotels and entertainment. Offers strong rewards on Aditya Birla stores, milestone bonuses and lounge access. Good choice for shoppers who frequent Aditya Birla brands and want category-specific acceleration.
Features of Aditya Birla SBI Credit Card which makes it unique
Category-Heavy Rewards
Very high earn rates at Aditya Birla stores
Great for loyal Aditya Birla shoppers
Stronger store-specific acceleration than many general-purpose cards
Milestone Bonuses
Points credited on achieving annual spend slabs
Extra rewards for higher spenders
Competitive milestone structure among co-branded cards
Rewards Structure of Aditya Birla SBI Credit Card
Milestones of Aditya Birla SBI Credit Card
Milestone 1
₹150,000 : 3,000 reward points
Milestone 2
₹300,000 : Additional 3,000 reward points
Fees & Charges of Aditya Birla SBI Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 2.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waived on specified annual spend thresholds as per SBI Card policy.
Fee Explanation Standard SBI Card fees apply; GST and other taxes where applicable. Check bank terms for full fee schedule.
Detailed Explanation of Aditya Birla SBI Credit Card Fees
Annual Fee: ₹999 (yearly)
May be waived on specified annual spends
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction
Lounge Access Benefits with Aditya Birla SBI Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Domestic lounge access per card variant rules
international Lounges
silverVisits per year: 2
Guest access: Yes
International visits via Priority Pass subject to enrollment and T&Cs
Insurance Coverage with Aditya Birla SBI Credit Card
purchase protection
₹50,000Within 90 days of purchase, subject to terms
travel insurance
VariesCheck latest SBI Card T&Cs for covered amounts and exclusions
Additional Features of Aditya Birla SBI Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 add-on cards
Add-on issuance subject to bank policy
Welcome Bonus with Aditya Birla SBI Credit Card
Welcome Bonus: 6,000 reward points
Bonus Conditions: Reward points credited within 60 days of annual fee payment; available to new and existing customers as per card T&Cs.
Application Process for Aditya Birla SBI Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via the SBI Card or partner portal
Upload KYC documents
Receive verification call or message
Card dispatched within typical processing time
Required Documents for Aditya Birla SBI Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Aditya Birla SBI Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally at Visa-enabled merchants
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Aditya Birla SBI Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have a valid PAN and Aadhaar card; subject to SBI Card underwriting and KYC.
How Approval Is Decided
- Minimum income as per card eligibility
- Indian resident with valid KYC
- Credit score and underwriting approval by SBI Card
Pros of Aditya Birla SBI Credit Card
- Very strong rewards at Aditya Birla and partner brands
- Attractive milestone bonuses
- Useful accelerated rewards on dining and entertainment
Cons of Aditya Birla SBI Credit Card
- Reward redemption value may be lower than cashback options
- Limited category acceleration outside partner brands
Frequently Asked Questions about Aditya Birla SBI Credit Card
Is there a joining fee?
Yes. The joining fee is ₹999 (plus taxes) for the primary card; offers and waivers vary by time and card variant.
What is the welcome benefit?
Earn 6,000 reward points worth roughly ₹1,500 on payment of the annual fee; points are credited as per T&Cs.
How do milestone rewards work?
Milestone rewards are credited when you meet specified annual spend slabs (for example, ₹1.5L and ₹3L) — exact slabs and points depend on the variant.
Is lounge access available?
Yes — select domestic and international lounge access is available per card variant; check enrollment and Priority Pass terms.
What is the base earn rate?
The base earn rate is 2 pts/₹100 on most retail spends (non-fuel).
Can I transfer points to airline partners?
Points transfer options vary; check SBI Card rewards portal for eligible airline/hotel partners and minimum transfer rules.
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