Aditya Birla SBI Credit Card

The Aditya Birla SBI Credit Card, a collaborative effort between SBI Card and Aditya Birla Capital, represents a co-branded card. Its enhanced counterpart, the Aditya Birla SBI Card SELECT, shares similar features with some limitations. Despite their comparable features, both cards differ in terms of fees. The Aditya Birla SBI Card incurs an Annual Fee of Rs. 499, significantly lower than the SELECT card.

This credit card offers enticing rewards, granting points for transactions at Aditya Birla Stores and various categories such as Dining, Entertainment, and Hotels. Additionally, it provides benefits like milestone rewards, allowing users to earn up to 4,000 reward points based on their spending.

Key Highlights of Aditya Birla SBI Credit Card

  1. Welcome Benefit: Receive 2,000 bonus Rewards Points upon enrollment.
  2. Aditya Birla Stores: Earn 10 Reward Points for every Rs. 100 spent.
  3. Dining, Entertainment, Hotels: Gain 5 Reward Points per Rs. 100 spent in these categories.
  4. Other Categories: Get 1 Reward Point for every Rs. 100 spent on non-specified categories.
  5. Fuel Stations: Enjoy a 1% surcharge waiver at all fuel stations across India.
  6. Annual Spends (Rs. 1 Lakh): Earn 2,000 Rewards Points for annual spends reaching Rs. 1 Lakh.
  7. Annual Spends (Rs. 1.5 Lakh): Receive an additional 2,000 Rewards Points for annual spends exceeding Rs. 1.5 Lakh.

Features and Benefits of Aditya Birla SBI Credit Card

The Aditya Birla SBI Credit Card offers several features and benefits:

1. Welcome Benefits: Receive 6000 reward points valued at Rs.1500 within the initial 60 days upon payment of annual fees.

2. Milestone Benefits:

  • Obtain 3000 points when spending Rs.1.5 lakh annually.
  • Earn an additional 3000 points for expenditures reaching Rs.3 lakhs.

3. Reward Benefits:

  • Gain 20 reward points for every Rs.100 spent at Aditya Birla Stores.
  • Acquire 10 reward points for every Rs.100 spent on entertainment, dining, and hotels.

4. Aditya Birla Stores Exclusive Benefits: Earn 20 reward points for every Rs.100 spent at Aditya Birla Fashion Retail and Online stores.

5. Fuel Surcharge Waiver:

  • Enjoy a fuel surcharge waiver on transactions up to Rs.3000.
  • Avail up to Rs.100 fuel surcharge waiver in each statement cycle.

6. Lounge Benefits: Access up to four domestic Visa lounges, with one allowed every quarter.

Aditya Birla SBI Credit Card Fees and Charges

Explore the fee structure for the Aditya Birla SBI Credit Card and discover the financial advantages that come with it.

1. Initial Membership Cost:

  • Joining Fee (one-time): Rs. 499 + taxes

2. Renewal Charges:

  • Renewal Fee (per annum): Rs. 499 + taxes (applicable from the second year onwards)

3. Additional Fees:

  • Add-on Fee (per annum): Nil

Eligibility Criteria for Aditya Birla SBI Credit Card

Here are essential criteria for applying for an Aditya Birla SBI Credit Card:

  1. Maintain a consistent source of income, earning a minimum of Rs.2 lakh annually.
  2. Meet the age criteria, being at least 21 years old and not exceeding 60 years of age.
  3. Reside in India to be eligible for the specified criteria.

Documents Required for Aditya Birla SBI Credit Card

To apply for the Aditya Birla SBI Credit Card, you will typically need to provide the following documents:

  1. Address proof options include Aadhar card, PAN card, and Passport.
  2. Identity proof can be established through Aadhar card, PAN card, and Passport.
  3. Income proof can be provided with recent salary slips (within the last three months) and bank passbook records.
  4. Submission of a duly signed application form is required.
  5. Include passport size photographs as part of the documentation.

How To Apply for Aditya Birla SBI Credit Card?

Follow these steps to apply for the Aditya Birla SBI Credit Card:

  1. Visit the official Aditya Birla SBI Credit Card website.
  2. Choose the specific credit card variant you wish to apply for.
  3. Click on the “Apply Now” or similar button.
  4. Fill out the online application form with accurate personal and financial details.
  5. Attach necessary documents, such as proof of identity, address, and income.
  6. Review the application before submitting to ensure accuracy.
  7. Wait for the bank’s processing and approval of your credit card application.
  8. Once approved, the credit card will be dispatched to your registered address.
  9. Activate the credit card as per the instructions provided.
  10. Start using your Aditya Birla SBI Credit Card for various transactions and benefits.

Frequently Asked Questions (FAQs) –

1. How can I apply for an Aditya Birla SBI Credit Card?

  • Visit the official Aditya Birla SBI Credit Card website and choose your desired card variant.
  • Click on “Apply Now,” fill out the online form, and submit necessary documents.

2. What documents are required for the Aditya Birla SBI Credit Card application?

  • Commonly required documents include proof of identity, address, and income.

3. How long does it take for the Aditya Birla SBI Credit Card application to be processed?

  • Processing times vary, but you can check the application status online or contact customer service for updates.

4. What are the eligibility criteria for an Aditya Birla SBI Credit Card?

  • Eligibility criteria typically include age, income, and credit score requirements. Check the specific criteria for the card you’re interested in.

5. How can I check the status of my Aditya Birla SBI Credit Card application?

  • You can check the status online through the official website or contact the customer service helpline.

6. What are the fees and charges associated with Aditya Birla SBI Credit Cards?

  • Refer to the terms and conditions or contact customer service for details on annual fees, interest rates, and other charges.

7. How do I make payments on my Aditya Birla SBI Credit Card?

  • Payments can be made through the official website, mobile app, or by visiting SBI branches. Online banking and auto-debit options are also available.

8. What benefits and rewards come with Aditya Birla SBI Credit Cards?

  • Explore the specific card variant to learn about rewards programs, cashback offers, travel benefits, and other perks.

9. How do I redeem rewards earned on my credit card?

  • Check the credit card’s rewards program details on the official website or contact customer service for information on redemption options.

10. What should I do if my credit card is lost or stolen?

  • Immediately report the loss to the SBI credit card customer care service helpline. The card will be blocked, and a replacement can be requested.

11. Can I upgrade or downgrade my Aditya Birla SBI Credit Card?

  • Contact customer service to inquire about the possibility of upgrading or downgrading your credit card based on your needs and eligibility.