Aditya Birla SBI Card

Joining fee

₹499

Annual fee

₹499

Forex markup

3.5%

reward points

• everything-else: 2.5%Select Aditya Birla Group partner brands only — Vodafone Idea, Louis Philippe, Van Heusen, Allen Solly, Pantaloons "and many more" — no matching spend category exists for brand-restricted retail, so the restriction is kept here rather than folded into a broader category.
• dining, travel-hotels: 1.25%Dining, Entertainment and Hotel spends — "Entertainment" has no matching spend category in this dataset.
• everything-else: 0.125%Other retail purchases

Points redeem at ₹0.25 each against a statement, per this card's own T&C. A separate sbicard.com application page frames the first 2,000-point tier as an unconditional "Welcome Gift" rather than tied to ₹1 lakh of spend — that framing conflicts with the T&C PDF's wording, which is treated as authoritative here since it is the actual terms document.

• fuel, utilities: The base 1-point-per-₹200 rule explicitly excludes fuel, utility bill payments and wallet reloads (the last has no matching spend category).

Not published by the issuer.

No specific eligibility criteria published by the issuer.

• •Review the fees, rewards, and eligibility above against your own spending pattern — this card has no single standout feature over the rest of the portfolio.

Verified from official issuer sources. Last verified 26 August 2026