SBI Card
Aditya Birla SBI Card
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You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.
Overview
Aditya Birla SBI Card by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
Confirm on the official page
Fee waiver
Confirm on the official page
Rewards
Redemption value
- Rewards Redemption Fee: ₹99 (applicable only on physical products, statement credit and vouchers sent physically, for all cards except AURUM).
- Reward Points are valid for 24 months and, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month.
Verified · cardholder_agreement · 2026-08-20 · source
Travel & lounge
Lounge access
Confirm on the official page
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
Confirm on the official page
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
- Foreign Currency Transaction Fee: 3.5%.
- Dynamic Currency Conversion Fee: 3.5%.
Verified · charges · 2026-08-20 · source
Charge
- Finance charges: up to 3.75% p.m. (45% p.a.) for unsecured cards.
- Minimum finance charge ₹25.
- Cash Advance Fee: 2.5% of transaction amount at SBI/other domestic ATMs and international ATMs (subject to a minimum of ₹500).
- Cash Payment Fee: ₹250 + applicable taxes.
- Cheque Payment Fee: ₹200.
- Payment Dishonor Fee: 2% of Payment amount (subject to a minimum of ₹500).
- Late Payment: Nil for ₹0-₹100.
- ₹100 for greater than ₹100 & up to ₹500.
- ₹500 for greater than ₹500 & up to ₹1,000.
- ₹750 for greater than ₹1,000 & up to ₹10,000.
- ₹950 for greater than ₹10,000 & up to ₹25,000.
- ₹1,100 for greater than ₹25,000 & up to ₹50,000.
- ₹1,300 for greater than ₹50,000.
- Additional Late Payment Charge ₹100 on missing MAD for two consecutive cycles.
- Overlimit Fee: 2.5% of Overlimit Amount (subject to a minimum of ₹600).
- Card Replacement: ₹100 - ₹250 (₹1,500 for Aurum).
- Dynamic Currency Conversion Fee: 3.5%.
- Processing Fee on all Rent Payment Transactions: ₹199.
- Utility Payments Fee: w.e.f. 1st Dec 2024, 1% of total amount of Utility Payments if the total exceeds ₹50,000 in a billing cycle.
- Fee on Education Payments: w.e.f. 1st Nov 2025, 1% of transaction amount through third-party apps.
- Fee on Wallet Load: w.e.f. 1st Nov 2025, 1% of transaction amount, applicable on every wallet load transaction exceeding ₹1,000.
- Rewards Redemption Fee: ₹99.
Verified · cardholder_agreement · 2026-08-20 · source
Interest-free period
20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).
Verified · cardholder_agreement · 2026-08-20 · source
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What are the transfer ratios for Aditya Birla SBI Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.sbicard.com/en/most-important-terms-and-conditions.page.
Verified · charges · 2026-08-20 · source
Verified 2026-08-20 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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