Aditya Birla SBI Credit Card – Benefits, Fees & Eligibility

Introduction

The Aditya Birla SBI Card is a co-branded credit card issued by SBI Card in partnership with Aditya Birla Capital. This card is designed to offer a rewarding experience, particularly for individuals who frequently shop at Aditya Birla Stores. It provides attractive reward points across various categories including dining, entertainment, and hotels, in addition to exclusive benefits at Aditya Birla's extensive network of fashion and retail outlets. With an annual fee of Rs. 499, it also includes welcome benefits and milestone rewards based on annual spending, positioning it as a value-for-money option for loyal customers of the Aditya Birla ecosystem.

Welcome Benefits

• Get 2000 Reward Points worth Rs. 500 on payment of the annual fees.
• Reward Points will be credited to the card holder's account within 60 days of annual fee payment.
• This is an activation bonus offered upon successful card activation.

Fees

• Joining Fee (one-time): Rs. 499 + applicable taxes (including GST).
• Renewal Fee (per annum): Rs. 499 + applicable taxes (including GST), from the second year onwards.
• Add-on Card Fee (per annum): Nil.
• Rewards Redemption Fee: Rs. 99 per redemption request.
• Foreign Currency Markup: 3.5% on the conversion amount.
• Interest Rates: 3.5% per month (42% per annum).
• Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions across all petrol pumps in India. This waiver applies to transactions between Rs. 500 and Rs. 3,000, exclusive of GST and other charges. The maximum fuel surcharge waiver is Rs. 100 per statement cycle per credit card account.
• Cash Advance Charges: 2.5% on the transaction amount, subject to a minimum charge of Rs. 500.
• All taxes would be charged as applicable on all Fees, Interest & Charges.

Rewards

• Earning Reward Points
  • Get 10 Reward Points per Rs. 100 spent on Aditya Birla Stores.
  • This includes Aditya Birla Fashion Online and Retail Stores such as 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.
  • Get 10 Reward Points per Rs. 100 spent at Vi (Vodafone Idea).
  • Get 5 Reward Points per Rs. 100 spent on Dining, Entertainment & Hotels.
  • Get 1 Reward Point per Rs. 200 spent on other purchases/categories.
• No Reward Points Accrued On:
  • Fuel purchases.
  • Utility bill payments.
  • Mobile wallet uploads.
• Exclusive Milestone Privileges
  • Get 2000 Rewards Points on Annual Spends of Rs. 1 Lakh.
  • Get Additional 2000 Rewards Points on Annual Spends of Rs. 1.5 Lakh.
  • Reward Points will be credited to the card holder's account within 60 days of crossing the annual spends threshold.

Rewards Redemption Guide

• Reward Points accrued can be redeemed at the Shop n Smile Catalogue.
• The Reward Points may be redeemed as Gifts and e-Gift Vouchers across various categories.
• Reward Points can also be used for paying the outstanding balance of the credit card.
• The value of 1 Reward Point is Rs. 0.25.
• A minimum of 2000 Reward Points are required for redemption.
• You will receive Gift/E-gift vouchers within 30 days of redemption.
• A Rewards Redemption Fee of Rs. 99 is charged per redemption request.

Card Eligibility Criteria

Documents Required

• Identity Proof: Aadhar card, PAN Card, Voters’ Id, Passport, Driving License, or any government-approved ID.
• Address Proof: Aadhar Card, Utility Bills, Ration Card, Passport, etc.
• Income Proof: Latest 3 months’ salary slips, latest 3 months’ bank statement, or latest audited financial report.

Card Review

The Aditya Birla SBI Card is a strong contender for individuals who frequently engage with the Aditya Birla Group's retail and fashion brands, as well as those who spend considerably on dining, entertainment, and hotels. With a low annual fee of Rs. 499, it offers a compelling value proposition through generous reward points on partner spends, a welcome bonus, and milestone benefits that further enhance earning potential. While it does not offer complimentary airport lounge access, a feature found in its higher variant, the Aditya Birla SBI Card SELECT, its contactless technology and worldwide acceptance make everyday transactions convenient and secure. This card is particularly suitable for value-conscious consumers looking to maximize rewards on lifestyle and shopping expenses within the Aditya Birla ecosystem.

Important Product Details

• Co-branded card by SBI Card and Aditya Birla Capital.
• Competitive annual fee of Rs. 499 + applicable taxes.
• High reward points earning rate: 10 Reward Points per Rs. 100 on Aditya Birla Stores and Vi.
• Accelerated rewards: 5 Reward Points per Rs. 100 on Dining, Entertainment, and Hotels.
• Milestone benefits include up to 4,000 bonus Reward Points on achieving specified annual spending thresholds (Rs. 1 Lakh and Rs. 1.5 Lakh).
• Welcome benefit of 2000 Reward Points.
• Fuel surcharge waiver (1% on transactions between Rs. 500-3,000, capped at Rs. 100/cycle).
• Equipped with Contactless Technology for quick and secure payments.
• Worldwide acceptance at over 29 million outlets globally.
• Option to get Add-on cards for eligible family members at no additional annual fee.
• Flexible credit facility allowing payments from Minimum Amount Due to Total Amount Due.
• Provides options for Balance Transfer and Flexipay (EMI conversions).
• SBI Card Alerts for real-time transaction updates.
• Offers access to various insurance products (Health, Personal Accident, Motor, etc.) at affordable rates.
• Limitations:
  • No Reward Points on Fuel, Utilities, and Mobile wallet uploads.
  • No complimentary airport lounge access.
  • A Rewards Redemption Fee of Rs. 99 is applicable per redemption request.
  • High Foreign Currency Markup of 3.5%.
  • High interest rate of 3.5% per month (42% per annum) on outstanding balances.
  • Cash advance charges apply.

Other Details

• Contactless Technology
  • Simply tap the Aditya Birla SBI Card at a secure reader for transactions.
  • It offers a fast, easy, and incredibly convenient payment experience.
  • Ideal for everyday purchases, as the card never leaves your hands, reducing the risk of card loss and fraud due to counterfeiting (skimming).
• Worldwide Acceptance
  • The Aditya Birla SBI Card can be used in over 29 million outlets across the globe, including 3,25,000 outlets in India.
  • Look for the Visa sign of acceptance when making payments.
• Guaranteed Peace of Mind
  • Benefit from the SBI Card Helpline and 24-Hour Visa Global Customer Assistance Services available worldwide.
  • Receive emergency assistance if your card is lost or stolen during travel outside India.
• Credit Facility
  • The card offers great flexibility of payment with an extended credit option.
  • You can pay any amount from the Minimum Amount Due to the Total Amount Due outstanding as shown in your Monthly Statement.
  • You can then carry forward the unpaid balance at one of the lowest finance charges available.
• Enhanced Power to Your Family (Add-on Card)
  • You can share the power of your Aditya Birla SBI Card with your family.
  • Apply for an Add-on card for your spouse, parents, siblings, and children over 18 years of age.
• Cash on the Go
  • As an Aditya Birla SBI Card Cardholder, you can withdraw cash from over 1 million Visa ATMs across the globe, including 18,000 ATMs in India.
  • Additionally, you get access to over 10,000 ATMs across 100 plus cities in India.
• How to Get Cash from an ATM
  • Insert your card into the machine as directed and wait for the machine to prompt you to key in your Personal Identification Number (PIN).
  • Wait for a few seconds while the machine processes the PIN. It will then ask you to key in the amount of cash you need.
  • Wait for a few seconds until your card comes out, then count your cash before you leave.
• Safety Tips for ATM Usage
  • As soon as you receive your PIN, memorize it and destroy the PIN mailer.
  • Do not write the PIN on your card and never share it with anyone, including staff. Only you must know your PIN.
  • Do not let anybody use your card to access the ATM facility on your behalf.
  • Your PIN cannot be changed. If you forget it, call the SBI Card Helpline to request a re-issue.
• Please Note (ATM Usage)
  • Your PIN along with your card is the only requirement for using this facility; anyone in possession of both can withdraw cash.
  • Follow the instructions on the ATM carefully and respond within a reasonable time.
  • If you do not act after keying in the PIN, your card will either be retained by the machine or ejected.
  • A retained card will require re-issuance, subject to a replacement card fee at the prevailing rate.
  • The ATM may disburse currency notes of a particular denomination only.
• Easy Bill Payment Facility
  • With the Easy Bill Pay facility, you can ensure your utility bills are paid on time.
  • All your utility bills like electricity, insurance, and telephone can be paid before the due date.
  • Payment Methods:
    • Standing Instructions: Register for standing instructions for automatic payment to the biller by SBI Card on your behalf when the bill is due.
    • Online Payment: Make online payments directly on the SBI Card website.
• Balance Transfer
  • Save big with low-interest rate options on the Balance Transfer facility.
  • Transfer balances from any of your other Credit Cards to your Aditya Birla SBI Card.
  • Enjoy Balance Transfer Plans suited to your financial needs.
  • Get a Balance Transfer in just 3 days for all other Visa Cards and 5-7 working days for Non-Visa cards.
  • The amount transferred should be a minimum of Rs. 5,000 and a maximum of up to 75% of your available credit limit.
  • Processing Fee would be charged as applicable.
• Flexipay
  • This is an easy installment plan that allows you to buy almost anything and repay in easy monthly installments.
  • Choose a plan best suited to your financial needs and avail a low rate of interest.
  • To avail this facility, call the SBI Card helpline or book online on sbicard.com within 10 days of your purchase.
• mBUY
  • Allows you to shop on the go.
  • Book movie tickets, plan your travel, buy gifts, recharge your mobile or DTH & more anytime, anywhere.
  • Access over 100 merchants on your mobile and pay with your Aditya Birla SBI Card.
  • To download mBuy, SMS "mBuy" to 56767 or log onto sbicard.com.
• SBI Card Alerts
  • Receive information regarding your credit card status as an SMS on your mobile phone.
  • Includes Mini Statement Alerts, Cheque Alerts, Credit & Cash Limit Alerts & Payment Assistance Alerts.
• Insurance Products
  • With your SBI Credit card, you can purchase Health Insurance, Personal Accident Insurance, Motor Insurance, Additional health covers, Travel & Home insurance, Life Insurance, and other assistance products, at very affordable rates.
• Order of Payment Settlement
  • For information regarding the Order of Payment Settlement, refer to the Most Important Terms & Conditions on the SBI Card website.
• General Terms
  • Cheques payable outside clearing zones are not accepted. Only local cheques or drafts payable in Delhi are accepted for payment.
  • The value proposition of this co-brand product may be funded jointly by SBI Card and the co-brand partner, with potential fee and revenue sharing between both parties.
  • Your continued use of the card will be deemed acceptance of any amendments to the terms.
  • For assistance, contact the SBI Card helpline at 39 02 02 02 (prefix local STD code) or 1860 180 1290.
  • Information is subject to change at the discretion of SBICPSL.
  • Any disputes arising out of the Offer between the Cardholder and SBICPSL shall be subject to arbitration by a sole arbitrator appointed by SBICPSL. The arbitration will be conducted as per the provisions of the Arbitration and Conciliation Act, 1996, in New Delhi, and the language of arbitration shall be English.
  • SBICPSL may engage third-party agents for marketing, sales, or related services.