STATE BANK
Twenty points per hundred across the Aditya Birla brands, with four lounge visits a year.
One-time
Per year
Uncapped rewards
Score 750+
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
20% on Online shopping — 20 Reward Points per Rs. 100 at Aditya Birla stores — Louis Philippe, Van Heusen, Allen Solly, Peter England, Pantaloons, The Collective, American Eagle, Forever 21 and more., with no stated cap.
Biggest limitation
A Reward Point is worth Rs. 0.25, so the headline 20 points per Rs. 100 is an effective 5% back, and the base rate is 0.25%.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
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.
20 pts
uncappedOnline shopping
20 Reward Points per Rs. 100 at Aditya Birla stores — Louis Philippe, Van Heusen, Allen Solly, Peter England, Pantaloons, The Collective, American Eagle, Forever 21 and more.
10 pts
uncappedDining
10 Reward Points per Rs. 100 spent on dining.
10 pts
uncappedEntertainment
10 Reward Points per Rs. 100 spent on entertainment.
10 pts
uncappedHotels
10 Reward Points per Rs. 100 spent on hotels.
1 pts
uncappedEverything else
Base rate: 2 Reward Points per Rs. 200 on other categories, written here per Rs. 100. Fuel, utilities and mobile wallet loads earn nothing.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹1,499 | — |
| Annual / renewal fee | ₹1,499 | No spend-based waiver is published. The renewal fee is charged from the second year. |
| Add-on card | Nil. Up to 3 add-on cards at no additional cost, for family members above 18 years. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of amount withdrawn or Rs. 500, whichever is higher (domestic and international ATMs) |
| Late payment | Nil up to Rs. 100; Rs. 100 above Rs. 100-500; Rs. 500 above Rs. 500-1,000; Rs. 750 above Rs. 1,000-10,000; Rs. 950 above Rs. 10,000-25,000; Rs. 1,100 above Rs. 25,000-50,000; Rs. 1,300 above Rs. 50,000. An extra Rs. 100 per cycle applies if the Minimum Amount Due is missed for two consecutive cycles. Finance charge up to 3.75% per month (45% p.a.). | — |
| 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
₹1,500
of one-time welcome value, on top of what you earn
Every year after
₹1,499 a year
charged with no published way to avoid it
1% waiver. 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 3,000, capped at Rs. 100 per month.
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
₹1,500
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
6,000 welcome Reward Points worth Rs. 1,500 on payment of the annual fee, credited within 60 days.
Spend ₹1,50,000 a year — about ₹12,500 a month
3,000 Reward Points, worth Rs. 750, on annual spends of Rs. 1,50,000.
Spend ₹3,00,000 a year — about ₹25,000 a month
A further 3,000 Reward Points, worth Rs. 750, on annual spends of Rs. 3,00,000.
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 SELECT Card BK · this card | ₹1,499 | 20% online shopping | Included |
| 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.
₹1,499 plus GST, with no published spend-based waiver.
The strongest published rate is 20% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 4 complimentary domestic Visa lounge visits a year, capped at 1 visit per calendar quarter. No minimum spend condition is disclosed.
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 Utility payments Mobile wallet loads Cash advances and ATM withdrawals Insurance premiums Rent payments EMI transactions No Reward Points on fuel transactions, utility payments, mobile wallet loads, cash advances and atm withdrawals, insurance premiums, rent payments, emi transactions. Fuel, rent, wallet loads, insurance, utility/govt. payments, and EMI transactions are generally excluded from milestone and welcome-benefit qualifying spends
STATE BANK publishes about ₹75,000 a month for salaried applicants, and it is usually issued above a 750 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 SELECT Card BK — 20% on online shopping. ₹1,499 a year.
