Are you looking for a credit card that offers a blend of fashion, lifestyle, and exclusive rewards? Look no further than the Aditya Birla SBI Card SELECT. This premium credit card brings you a world of privileges and rewards that cater to your diverse needs. From welcome benefits to milestone rewards, and from enhanced reward points to fuel surcharge waivers, the Aditya Birla SBI Card SELECT ensures that your financial journey is as rewarding as it is convenient.
Credit Card Detail:
| Feature | Details |
|---|---|
| Card Name | Aditya Birla SBI Card SELECT |
| Card Type | Lifestyle and Rewards Credit Card |
| Joining Fee | Rs. 1,499 + taxes |
| Renewal Fee | Rs. 1,499 + taxes (per annum) |
| Add-on Fee | Nil |
| Cash Advance Fee | 2.5% of the amount withdrawn or Rs. 500 (Domestic ATMs) |
| 2.5% of the amount withdrawn or Rs. 500 (International ATMs) | |
| Finance Charges | 3.50% per month or 42% per annum |
| Payment Dishonor Fee | 2% of the payment amount; minimum of Rs. 450 |
| Statement Request Fee | Rs. 100 per statement (more than 2 months old) |
| Cash Payment Fee | Rs. 250 |
| Late Payment Fee | Up to Rs. 500 – Nil |
| Rs. 501 to Rs. 1,000 – Rs. 400 | |
| Rs. 1,001 to Rs. 10,000 – Rs. 750 | |
| Rs. 10,001 to Rs. 25,000 – Rs. 950 | |
| Above Rs. 25,000 – Rs. 1,100 | |
| Cheque Payment Fee | Rs. 100 |
| Over Limit Fee | 2.5% of the over limit amount; minimum of Rs. 600 |
| Rewards Redemption Fee | Rs. 99 |
| Foreign Currency Transaction Fee | 3.50% |
| Age Eligibility | 21 – 60 years |
| Minimum Income | Rs. 2 lakh annually |
| Residency | Indian resident |
| Reward Points | 20 Reward Points per Rs. 100 on Aditya Birla Group brands |
| 10 Reward Points per Rs. 100 on dining, entertainment, and hotels | |
| Welcome Benefit | 6,000 Reward Points worth Rs. 1,500 on payment of annual fee |
| Milestone Privileges | 3,000 Reward Points on Rs. 1.5 lakh annual spend |
| Additional 3,000 Reward Points on Rs. 3 lakh annual spend | |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver up to Rs. 3,000 (per statement cycle) |
| Lounge Access | 4 complimentary visits to Domestic VISA lounges in India per calendar year (Max. 1 visit per quarter) |
| Reward Redemption | SBI Cards – Shop n Smile Catalogue |
| Contactless Transaction Limit | Up to Rs. 5,000 |
| Flexipay Facility | Available for converting transactions > Rs. 500 into EMIs |
| Charges applicable for early repayment |
Welcome to Luxury: Aditya Birla SBI Card SELECT
The Aditya Birla SBI Card SELECT is your gateway to a world of luxurious experiences. Here’s a glimpse of the privileges that await you:
Welcome Benefit:
- Get a delightful start with 6,000 Reward Points worth Rs. 1,500 on payment of the annual fee.
- Reward Points will be credited to your account within 60 days of annual fee payment.
Exclusive Milestone Privileges:
- Embark on a journey of rewards with 3,000 Reward Points on annual spends of Rs. 1.5 lakh as a Milestone Reward.
- Elevate your rewards further with an additional 3,000 Reward Points on annual spends of Rs. 3 lakh as a Milestone Reward.
Rewarding Your Choices:
- Earn 20 Reward Points per Rs. 100 spent on premium and mass brands within the Aditya Birla Group, including names like Pantaloons, Louis Philippe, Van Heusen, and more.
- Enjoy 10 Reward Points per Rs. 100 spent on dining, entertainment, and hotels.
Redeem Your Rewards:
- Redeem your accrued Reward Points at the SBI Cards – Shop n Smile Catalogue.
Freedom to Fuel:
- Bid farewell to the 1% fuel surcharge at petrol pumps across India on transactions up to Rs. 3,000, excluding GST and other charges.
- Maximum fuel surcharge waiver of Rs. 100 per statement cycle per credit card account.
Unwind in Luxury:
- Delight in 4 complimentary visits to Domestic VISA lounges in India per calendar year (Max. 1 visit per quarter).
Fees and Charges:
Understanding the financial aspects of your credit card is essential. Here’s a quick overview of the fees and charges for the Aditya Birla SBI Card SELECT:
Joining and Renewal Fees:
| Fee Type | Charge |
|---|---|
| Joining Fee | Rs. 1,499 + taxes |
| Renewal Fee | Rs. 1,499 + taxes |
Transaction and Finance Charges:
| Fee Type | Charge |
|---|---|
| Cash Advance Fee | 2.5% (Domestic) / Rs. 500 |
| 2.5% (International) / Rs. 500 | |
| Finance Charges | 3.50% per month |
| Late Payment Fee | Varies based on amount |
| Over Limit Fee | Varies based on amount |
| Rewards Redemption | Rs. 99 |
| Foreign Currency | 3.50% |
Eligibility and Documentation:
Before applying for the Aditya Birla SBI Card SELECT, ensure you meet the eligibility criteria:
- Minimum annual income of Rs. 2 lakh
- Age between 21 and 60 years
- Indian residency
Required documents include address proof, identity proof, income proof, application form, and passport-size photographs.
How to Avail Balance Transfer on EMI:
Making the most of the Balance Transfer on EMI facility is easy:
- Log into sbicard.com
- Click on ‘Benefits’
- Select ‘Balance Transfer on EMI’
- Provide the necessary details and confirm
Alternatively, call the SBI card helpline to request the facility.
How to Avail Flexipay Facility:
Access the Flexipay facility for convenient payments:
- Log into sbicard.com
- Choose ‘Flexipay’ under ‘Benefits’
- Select the transaction(s) > Rs. 500 for conversion
- Provide required details and confirm
You can also call the SBI card helpline to avail the ‘Flexipay’ facility.
FAQs – Aditya Birla SBI Card SELECT credit card :
- Is the flexipay facility available for add-on cardholders?
- No, the flexipay facility is not available for add-on cardholders.
- Is there a limit on contactless transaction amounts?
- Yes, the contactless payment mode allows payments up to Rs. 5,000. Above Rs. 5,000, swipe your card.
- Can I repay the amount before the EMI tenure ends for Balance Transfer on EMI?
- Yes, you can repay before the EMI tenure ends, with a 3% charge on the outstanding principal + GST.
In conclusion, the Aditya Birla SBI Card SELECT is your key to a world of luxury, rewards, and financial convenience. With its host of benefits and privileges, this card is designed to cater to your discerning tastes and preferences, making every transaction a rewarding experience. Apply for the Aditya Birla SBI Card SELECT today and elevate your lifestyle to new heights.