STATE BANK
Ten points per hundred at Louis Philippe, Van Heusen and Allen Solly, on a Rs. 499 card.
One-time
Per year
Uncapped rewards
Score 700+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
5 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromOnline shopping
No published ceiling on this tier
Dining
No published ceiling on this tier
Entertainment
No published ceiling on this tier
Hotels
No published ceiling on this tier
Everything else
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Online shopping — 10 Reward Points per Rs. 100 at Aditya Birla stores — Louis Philippe, Van Heusen, Allen Solly, Peter England and more., with no stated cap.
Biggest limitation
A Reward Point is worth Rs. 0.25, so the headline 10 points per Rs. 100 is an effective 2.5% back, and the base rate is 0.125%.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10 pts
uncappedOnline shopping
10 Reward Points per Rs. 100 at Aditya Birla stores — Louis Philippe, Van Heusen, Allen Solly, Peter England and more.
5 pts
uncappedDining
5 Reward Points per Rs. 100 spent on dining.
5 pts
uncappedEntertainment
5 Reward Points per Rs. 100 spent on entertainment.
5 pts
uncappedHotels
5 Reward Points per Rs. 100 spent on hotels.
0.5 pts
uncappedEverything else
Base rate: 1 Reward Point per Rs. 200 on all other categories, written here per Rs. 100.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹499 | — |
| Annual / renewal fee | ₹499 | No spend-based waiver is published. The renewal fee is charged from the second year. |
| Cash withdrawal | 2.5%, min ₹500 | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹500
of one-time welcome value, on top of what you earn
Every year after
₹499 a year
charged with no published way to avoid it
Not offered on this card. The SELECT variant carries 4 domestic Visa lounge visits a year.
1% waiver. 1% fuel surcharge waiver on fuel transactions up to Rs. 3,000 at petrol pumps across India. No per-cycle cap is published for this card.
This is a Visa card. UPI credit-card linking is available only on RuPay credit cards, so it cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹500
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
None
no spend milestones are recorded
2,000 activation bonus Reward Points worth Rs. 500 on payment of the annual fee, credited within 60 days.
No spend milestones are recorded.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKYatra SBI Card BK₹499
STATE BANKEtihad Guest SBI Card BK₹1,499
STATE BANKEtihad Guest SBI Premier Card BK₹4,999
STATE BANKFabindia SBI Card BK₹499
STATE BANKFabindia SBI Card SELECT BK₹1,499
STATE BANKCentral SBI Select Card BK₹750| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Aditya Birla SBI Card BK · this card | ₹499 | 10% online shopping | No |
| Yatra SBI Card BK | ₹499 | See card | No |
| Etihad Guest SBI Card BK | ₹1,499 | See card | No |
| Etihad Guest SBI Premier Card BK | ₹4,999 | See card | No |
| Fabindia SBI Card BK | ₹499 | See card | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹499 plus GST, with no published spend-based waiver.
The strongest published rate is 10% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
This is a Visa card. UPI credit-card linking is available only on RuPay credit cards, so it cannot be added to a UPI app.
Fuel transactions Cash advances and ATM withdrawals Wallet loads Insurance premiums Rent payments EMI transactions
STATE BANK publishes about ₹15,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.
Gift vouchers, Product catalogue items, Statement credit against the outstanding card balance
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Aditya Birla SBI Card BK — 10% on online shopping. ₹499 a year.
