Aditya Birla SBI Card Review: Is it Worth Getting?
Aditya Birla SBI Card, a credit card offered by the State Bank of India (SBI) in partnership with Aditya Birla Capital Limited, comes with a wide range of features and benefits, such as reward points, cashback offers, and discounts on various purchases. Hence, if you’re seeking for a new credit card, then Aditya Birla SBI Card can be a good option for to opt for.
In this blog, Fintra covers everything needed to know about this card.
Features of Aditya Birla SBI Card
Welcome Benefit and Exclusive Milestone Privileges
By paying the annual fees for the Aditya Birla SBI Card, customers can receive 2000 Reward Points that are valued at Rs. 500. This offer provides an incentive for cardholders to continue using their card and can be a great way to save money on future purchases. Card holders who pay their annual fee for the Aditya Birla SBI Card can expect to receive their reward points within 60 days of payment. These points can be redeemed for a variety of rewards, including cashback, travel vouchers, and merchandise.
As a cardholder of the Aditya Birla SBI Card, you can earn 2000 rewards points as a milestone reward for annual spends of Rs. 1 Lakh. This is just one of the many benefits and rewards that come with using this credit card.
Earn an extra 2000 rewards points with the Aditya Birla SBI Card when you spend Rs. 1.5 Lakh annually. This milestone reward is just one of the many benefits of using this credit card. Learn more about how you can maximize your rewards and enjoy exclusive perks with the Aditya Birla SBI Card.
Once the annual spending threshold is crossed, Aditya Birla SBI Card holders can expect their reward points to be credited to their account within 60 days.
Reward Benefits
Earn 10 Reward Points for every Rs. 100 spent at Aditya Birla Stores with the Aditya Birla SBI Card. Enjoy exclusive benefits and rewards while you shop for your favorite products.
The Aditya Birla SBI Card offers a great reward program for those who enjoy dining out, entertainment, and staying in hotels. With 5 Reward Points earned for every Rs. 100 spent in these categories, cardholders can quickly accumulate points and redeem them for a variety of rewards. Learn more about the benefits of the Aditya Birla SBI Card today!
Reward Benefits
For every Rs. 200 spent on purchases other than Aditya Birla SBI Card, you will receive 1 reward point. Fuel, utilities, and mobile wallet uploads are not eligible for reward points accrual on the Aditya Birla SBI Card.
The Aditya Birla SBI Card offers a rewards program where users can earn points that can be redeemed for items in the Shop n Smile Catalogue. This catalogue offers a variety of products and services that users can choose from as a reward for their card usage. With the Aditya Birla SBI Card, users can earn Reward Points that can be redeemed for a variety of gifts and e-gift vouchers across different categories. Whether you’re looking for electronics, fashion, or home goods, there’s something for everyone to enjoy with these redeemable rewards.
Aditya Birla SBI Card is a co-branded credit card jointly issued by Aditya Birla Group and State Bank of India. This exclusive credit card offers several privileges, benefits and rewards to its users.
Reward Redemption
To redeem rewards with the Aditya Birla SBI Card, a minimum of 2000 Reward Points is required.
Exclusive Aditya Birla Stores
Earn 10 Reward Points for every Rs. 100 spent at Aditya Birla Fashion Online and Retail Stores, including popular brands like 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.
Exclusive Aditya Birla Stores
Earn 10 Reward Points for every Rs. 100 spent at Vi (Vodafone Idea) with the Aditya Birla SBI Card. Enjoy the benefits of this exclusive offer and make the most out of your spending.
Fuel Surcharge Waiver
With the Aditya Birla SBI Card, you can say goodbye to the 1% fuel surcharge when filling up at any petrol pump in India for transactions up to Rs. 3,000 (excluding GST and other charges). Enjoy the freedom of saving on your fuel expenses with this card. The Aditya Birla SBI Card offers a maximum fuel surcharge waiver of Rs. 100 per statement cycle for each credit card account. This benefit can help cardholders save money on fuel purchases.
Contactless Technology
With the Aditya Birla SBI Card, making transactions has never been easier. Simply tap the card at a secure reader and you're good to go! This fast and convenient method of payment is sure to make your life a little bit easier. The Aditya Birla SBI Card is perfect for your everyday purchases. Whether you're buying groceries, filling up your gas tank, or shopping online, this card offers convenience and rewards for your daily spending. With the Aditya Birla SBI Card, you can rest assured that your card is always in your possession during transactions, which greatly minimizes the risk of card loss and fraudulent activities such as skimming.
Worldwide Acceptance
With the Aditya Birla SBI Card, you have access to a vast network of over 29 million outlets worldwide, including 3,25,000 outlets within India. Simply keep an eye out for the Visa acceptance sign and use your card to make payments hassle-free.
Guaranteed Peace of Mind
The Aditya Birla SBI Card offers a range of benefits to ensure your peace of mind, including access to the SBI Card Helpline and 24-Hour Visa Global Customer Assistance Services. Whether you're traveling abroad or at home, you can rest assured that you'll have the support you need in case of any emergency. In the event that your card is lost or stolen while traveling outside of India, Visa/Global Customer Assistance Services is available to provide you with emergency assistance.
Credit Facility
The Aditya Birla SBI Card provides its users with a range of payment options to suit their needs. One such option is the extended credit feature, which allows you to plan your payments according to your outstanding balance. You can choose to pay any amount between the Minimum Amount Due and the Total Amount Due, as indicated in your monthly statement. Any unpaid balance can then be carried forward at a low finance charge, providing you with greater flexibility and control over your finances.
Easy Bill Payment Facility
Aditya Birla SBI Card offers an Easy Bill Pay feature that ensures you never miss a payment for your utility bills. This feature covers bills for electricity, insurance, telephone, and more, and guarantees that they will be paid before the due date. You can make bill payments through two methods with Aditya Birla SBI Card's Easy Bill Pay facility. The Aditya Birla SBI Card offers a convenient feature called Standing Instructions. By registering for this service, you can ensure that your bills are paid on time without any hassle. With Standing Instructions, SBI Card will automatically make the payment to the biller on your behalf whenever the bill is due. This helps you avoid late payment fees and ensures that your credit score remains intact.
The Aditya Birla SBI Card offers the convenience of online payment through their website. Simply log in and make your payment securely and easily. No need to worry about mailing in a check or visiting a physical location.
Balance Transfer
Looking to save money on your credit card balance? Aditya Birla SBI Card offers low interest rate options on balance transfers. Simply transfer your balances from other credit cards to your Aditya Birla SBI Card and enjoy customized balance transfer plans that fit your financial needs. You can get a balance transfer in just 3 days for all other Visa cards and 5-7 working days for non-Visa cards. To take advantage of this offer, the amount transferred must be a minimum of `5,000 and up to 75% of your available credit limit on the Aditya Birla SBI Card. A processing fee will be charged as applicable.
Flexipay
Aditya Birla SBI Card offers a convenient installment plan that allows you to purchase a wide range of products and pay back in affordable monthly installments. With flexible plans tailored to your financial requirements, you can enjoy a low-interest rate and hassle-free repayment options. To take advantage of this service, simply call the SBI Card helpline or visit sbicard.com within 10 days of your purchase.
Easy Money Facility
With the Aditya Birla SBI Card, you have access to the convenient 'Easy Money' facility. This allows you to request a cheque to be delivered right to your doorstep with just a simple phone call to the SBI Card Customer Helpline. Whether you're planning a vacation or looking to purchase a new TV, you can avail a cheque for a minimum of `5000 and up to 75% of your available cash limit. Please note that a processing fee will be charged as applicable.
Fees of Aditya Birla SBI Card
The Aditya Birla SBI Card requires a one-time joining fee of Rs. 499, plus any applicable taxes.
The Aditya Birla SBI Card has an annual renewal fee of Rs. 499 plus any applicable taxes, starting from the second year of use. There is no add-on fee per annum for the Aditya Birla SBI Card.
Eligibility for Aditya Birla SBI Card
The eligibility criteria for the Aditya Birla SBI Card are as follows:
Age: Should be between 18 and 65 years/21 years and 60 years
Nationality: Can be an Indian resident or a non-resident Indian (NRI)
Income: Should have a stable source of income and meet the minimum income requirements set by Aditya Birla Capital and SBI Card. The income requirement varies depending on the card variant
Credit Score: Should have a good credit score and a clean credit history. A credit score of 750 or above is usually considered good
It's important to note that meeting the eligibility criteria does not guarantee approval for the credit card. The final decision on the approval of the card will be made by the issuing bank after reviewing the applicant's credit score, income, and other factors. Additionally, meeting the eligibility criteria for the credit card may not be enough to qualify for the highest credit limit or the best interest rate.
How to Apply for Aditya Birla SBI Card?
You can apply for the Aditya Birla SBI Card online by visiting the Aditya Birla Capital website or the SBI Card website. The application process is simple and straightforward, and you can expect a response within a few days of submitting your application.
Conclusion
In conclusion, the Aditya Birla SBI Card is a co-branded credit card offering a range of features and benefits, including rewards programs, fuel surcharge waivers, and contactless payments. The annual fee is reasonable, and the application process is simple and easy. If you are in the market for a new credit card, the Aditya Birla SBI Card is definitely worth considering.
