State Bank of India (SBI Card) · with Aditya BirlaLast checked 11 Oct 2026closed to new applicants
The Aditya Birla SBI Card costs Rs 499 a year. Its base return is 0.13% (1 RP per Rs 200 on other purchases). The forex markup is 3.5%. Read from the issuer's documents and an aggregator on 11 Oct 2026.
SBI CardAditya Birla SBI CardCard design not shown
Annual fee
Rs 499+ GST
Fee waived at
—
Base return
0.13%
Forex markup
3.5%
Interest
3.75%a month
Fees
Joining fee
Rs 499
Annual fee
Rs 499
Fee notes
No spend-based waiver in the MITC.
Rewards
Welcome benefitunverified
2,000 RP (worth Rs 500) on paying the annual fee
Reward currencyunverified
Reward Points
Base earnunverified
1 RP per Rs 200 on other purchases
Base returnunverified
0.13%
Point valueunverified
Rs 0.25 per RP (aggregator: 2,000 RP worth Rs 500)
Milestone benefitsunverified
2,000 RP at Rs 1 lakh and 2,000 more at Rs 3 lakh annual spend
Reward notes
base_return_pct = 1 RP per Rs 200 x Rs 0.25 = 0.125%. Accelerated rates at Aditya Birla brands were not captured in the source read. Reward redemption fee Rs 99 + GST on physical products, statement credit and physical vouchers (MITC). From 1 Apr 2026 statement-credit redemption is capped at 60,000 points a month and allowed only in multiples of 4,000 points (issuer notice). Points on Flexipay/merchant EMI are reversed; wallet loads (MCC 6540/6541) earn nothing; points on spends that got an instant discount/cashback offer are forfeited.
Travel and perks
Forex markup
3.5%
Fuel surcharge waiverunverified
1% on fuel txns up to Rs 3,000 (cap not stated)
Charges and eligibility
Interest per month
3.75%
Late payment fee
On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)
Cash advance fee
2.5% of amount, min Rs 500; ATM limit Rs 15,000/day; interest from day one
Fine-print notes
Benefit fields from BankBazaar's SBI card listing entry; accelerated rates at Aditya Birla stores were not captured. Card Insider lists the card as discontinued; its page could not be fetched (budget ran out). Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.
Questions
What is the annual fee of the Aditya Birla SBI Card?
Rs 499 a year, before GST.
What is the forex markup on the Aditya Birla SBI Card?
3.5% of each foreign-currency transaction, before GST.