Aditya Birla SBI Card
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Premium · Open to new applications · Earns points
First-year fee
₹499 to join.
Annual fee
₹499 a year.
How it compares
Compared with the cards we have read
Fees
Renewal fee
₹499 a year.
Joining fee
₹499 to join.
Add-on card fee
₹0
Rewards
Rent earning
W.e.f. 01 Jul 2023, accrual of Reward Points will be discontinued for Rent Payment transactions
Point expiry
24 months
Also included
Balance transfer terms
Balance Transfer Offer allows the customer to transfer other Bank credit cards' outstanding to SBI Credit Card; a one-time Processing Fee is charged over and above the ROI.
Charges
Forex markup
3.5% on foreign currency transactions.
Dynamic currency conversion markup
3.5%
Cash advance fee
2.5% or ₹500 whichever is higher (domestic & international ATMs)
Cash advance interest
3.75% p.m. (45% p.a.) for unsecured cards.
Cash withdrawal limit
Max. cash withdrawal limit is ₹15,000 per day.
Interest on unpaid balance
The current rate of finance charges is upto 3.75% per month [45% per annum] from the transaction date and is subject to change at the discretion of SBI Cards & Payment Services Limited (SBICPSL).
Interest-free period
20-50 days interest-free when you pay in full.
Late payment fee
Nil to ₹1,300
Over-limit fee
2.5% of the overlimit amount or ₹600, whichever is higher, levied only once per billing cycle
Payment return or dishonour fee
Payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500.
Card replacement fee
₹100 - ₹250
Cash payment / cash deposit fee
₹250
Cheque payment / dishonour fee
Cheque Payment Fee: ₹200 plus applicable taxes
Education / school fee charge
Fee on Education Payments^ : W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps
Foreign ATM fee
2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs
Reward redemption fee
₹99, applicable only on physical product and on vouchers that are sent physically
Wallet load charge
Fee on Wallet Load^^^ : W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000
Fuel transaction fee
1% of transaction amount + all applicable taxes
Rent transaction fee
₹199 processing fee on all rent payment transactions.
Utility transaction fee
If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.
GST note
GST rate of 18%
Grace days after the due date
Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s).
Minimum amount due
100% of GST + 100% of EMI amount + 100% of Fees/Charges + 100% of Finance Charges + Overlimit Amount (if any) + 2% of Remaining Balance Outstanding or ₹200, whichever is greater
Eligibility
Minimum age
Minimum 21 years
In the terms, not the brochure (2)
What happens to unredeemed points if the card is closed
Can be redeemed within 30 days of closure, otherwise these will automatically lapse
Whether carrying a balance ends the interest-free period
Interest free credit period is suspended if any balance of the previous month's bill is outstanding.
How we know - 8 documents from SBI Card, checked 19 Oct 2026
₹499 a year
Apply