Finance

SBI Aditya Birla SBI Credit Cards Review – Paisabazaar.com

Being co-branded credit cards, both of these offer higher rewards on your expenses at Aditya Birla Stores. Apart from this, you can also earn moderate reward points on other categories, such as dining, entertainment, hotel bookings, online purchases and more. Here are the details regarding the same:

Reward Benefits: Aditya Birla SBI Cards
Aditya Birla SBI Card Aditya Birla SBI Card SELECT
  • 10 reward points per Rs. 100 spent on Aditya Birla Stores, Aditya Birla Fashion Online & Retail Stores* and Vi (Vodafone Idea)
  • 5 reward points per Rs. 100 spent on dining, entertainment & hotels
  • 1 reward point per Rs. 200 spent on other categories
  • 20 reward points per Rs. 100 spent on Aditya Birla Stores, Aditya Birla Fashion Online & Retail Stores* and Vi (Vodafone Idea)
  • 10 reward points per Rs. 100 spent on dining, entertainment & hotels
  • 2 reward points per Rs. 200 spent on other categories

Note: No reward points will be accrued on fuel, utilities and mobile wallet uploads.

The rewards rate offered by these credit cards is decent only if you frequently visit Aditya Birla Stores or spend on dining, entertainment and hotel categories. If you look at the other categories, then SELECT variant offers better rewards rate as compared to the normal variant. You can also redeem the earned reward points against the Shop n Smile Catalogue, gifts and e-vouchers.

For an instance if you’ve spent Rs. 6,000 on categories other than dining, entertainment & hotels. So, with Aditya Birla SBI Card, you will earn 30 reward points (worth Rs. 7.5), whereas, SELECT variant rewards you with 60 reward points (worth Rs. 15). It is clearly visible that apart from Aditya Birla Stores and selected categories, these cards don’t offer a decent rewards rate.

Overall, these cards would be a good choice if you frequently visit Aditya Birla Stores. Otherwise, if your goal is to earn reward points on your expenses, then you should look for top credit cards for reward points available in the market.

*Aditya Birla Fashion Online & Retail Stores include 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.


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