Aditya Birla SBI Card Select Review | Aditya Birla Credit Card Review

If earning useful rewards with every transaction sounds appealing to you, then the Aditya Birla SBI card select is for you. It has everything that top-rated rewards credit cards should have. It offers useful credit card points on every transaction, huge bonuses with milestone spending, free access to airport lounges, and more. Now let’s discuss the benefits of this card in detail and see if it’s worth the Rs.1,499 annual fee.

Who can apply for the SBI Aditya Birla credit card?

  • Resident Type: Indian
  • SBI credit card eligibility criteria for salaried person:
    • SBI credit card age limit: 21 to 60 years. 
    • Income: Above Rs.45,000 monthly.
  • SBI credit card eligibility criteria for self-employed person:
    • SBI credit card age limit: 21 to 65 years.
    • Income: The annual income tax return of the applicant should be above Rs.4 lakh. 
  • Required CIBIL score for SBI credit card application: 700+

You can apply for this card from the Aditya Birla credit card apply online portal. As your application is submitted successfully, you can track your SBI credit card application status using your application id. The complete process can be found on our faq page.

What are the documents required for SBI credit card application?

  • Photocopy of Address proof (any 1)
    • Last 6 months’ bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

What are the Aditya Birla SBI credit card fees?

  • SBI credit card joining fee: Rs.1499 + GST
  • SBI credit card annual fee: Rs.1499 + GST

What are the Aditya Birla SBI credit card benefits?

  • Excellent joining bonus to welcome you:

With the payment of your first-year SBI credit card annual fee, you will receive 6000 reward points as a credit card opening bonus.

  • Make your every transaction rewarding:

The SBI credit card reward points are offered like this.

Category of transaction Reward points per Rs.100 transaction
Transactions made at Aditya Birla stores 20 SBI credit card rewards
Dining, entertainment, and hotel benefits 10 SBI card rewards
Other transactions 2 SBI card rewards

You can redeem your reward points at Shop n Smile catalog or as gift vouchers. A minimum of 2000 SBI credit card rewards are needed to make a redemption.

  • Add comfort to your travel:

This SBI credit card features 4 free yearly access (up to 1 per quarter) to domestic airport lounges. Click here for the SBI credit card lounge access list.

  • Get an opportunity to earn something extra:

Depending on your SBI credit card usage, you can earn some extra rewards too.

Credit card usage

Total benefit

Rs.1.5 lakh within a year 3000 SBI bank card rewards
Rs.3 lakh within a year Additional 3000 reward points
  • Earn an attractive SBI credit card fuel surcharge waiver:

This SBI credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. The maximum eligible transaction is Rs.3000 and you can earn a maximum of Rs.100 waiver in the SBI credit card billing cycle.

  • Enjoy the convenience of the contactless payment facility:

This SBI bank credit card is equipped with an advanced contactless payment facility. This credit card facility allows you to make credit card payments just by placing your card over any contactless-enabled POS machine. 

What are the Aditya Birla SBI credit card charges?


Chargeable amount

SBI credit card atm withdrawal charges 2.5% against the withdrawn amount, min Rs.500 (check your SBI credit card limit before making a withdrawal)
Finance charges in SBI credit card The SBI credit card interest rate can go up to 3.50% monthly or 42% annually (applicable if your SBI credit card payment is not made in time)
SBI international credit card transaction charge 3.5% against the transaction amount
SBI add-on credit card fee None

How to contact the SBI credit card customer care department?

  • Call the SBI credit card customer care number: 1860-180-1290 / 022-3902-0202 or 1860-180-7777
  • Write to the SBI credit card complaint mail id: 

100xGain Ratings:


Pros and cons of the Aditya Birla capital credit card:



  • The rate of earning SBI card rewards is quite impressive.
  • You can enjoy free access to airport lounges.
  • There are no dining or entertainment benefits on this SBI visa credit card.

Final Opinion:

As mentioned before, this card is best for earning credit card reward points. Shopping enthusiasts will also find this card beneficial, especially since it offers accelerated rewards at Aditya Birla stores and allows you to redeem them at Shop n Smile’s catalog. 

But if you are looking for entertainment benefits like free movie tickets or a discount on dining expenses, then you will be disappointed with this SBI rewards credit card. In this case, I would recommend you to take a look at our best entertainment cards page. Hopefully, it will help you in making an informed discussion. 

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