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Aditya Birla SBI Card SELECT
SBI • Visa

Aditya Birla SBI Card SELECT

Retail and lifestyle co-branded card with SBI acceptance and selective lounge positioning.

Annual Fee₹1499Waived on issuer-defined annual spends
Base Reward0.8%On all spends
Lounge Access1611 domestic • 5 intl
Est. Annual Savings₹-218Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹2,880

Assumes base reward rate only.

Annual fee₹1,499

Waived on issuer-defined annual spends

Net value₹1,381

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
2.5%
Online
2.0%
Basedefault
0.8%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • Aditya Birla SBI Card SELECT is best positioned as a shopping + lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 2.5% on shopping-aligned lanes, while broad base return remains closer to 0.8%.
  • Current mapped lounge footprint is 16, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to shopping and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 1,499 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹1,499
  • Annual fee₹1,499
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count11
  • International count5
  • Quarterly limitNot listed
  • Airport-terminal rows16
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports19
  • Approval reports11

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

PhonePe SBI Card SELECT BLACK

Annual fee: Free

Shared focus: Travel+26 more lounge visits in current datasetEstimated +₹2,725/yr value
View Details
Step 2

SBI Card MILES PRIME

Annual fee: ₹2999

Shared focus: Travel, RewardsHigher product tier within same bank+14 more lounge visits in current dataset
View Details
Step 3

SBI Prime

Annual fee: ₹2999

Shared focus: Lifestyle+14 more lounge visits in current datasetHigher top earn rate (5.0%)
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligible this quarter: No

Track lounge eligibility for Aditya Birla SBI Card SELECT using your current quarter spend.

₹0 spent₹2 target

Policy signal used: - Source file: SBI Card ELITE domestic lounge program PDF. - Complimentary access carries nominal INR 2 authorization at lounge terminal. - Source note references quarterly complimentary visit limits for ELITE card.

Spend threshold

Waived on issuer-defined annual spends

Quarter / cycle rule

Source note references quarterly complimentary visit limits for ELITE card.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

16 airport lounge rows
View lounge map and location list16 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

2 lounges • 1 domestic • 1 international

2
TFS DomesticDomestic

AHM • Ahmedabad Airport • Terminal T1

TFS InternationalInternational

AHM • Ahmedabad Airport • Terminal T2

Bengaluru

1 lounges • 1 domestic • 0 international

1
TFS DomesticDomestic

BEN • Bengaluru Airport • Terminal T1

Chennai

3 lounges • 2 domestic • 1 international

3
TFS DomesticDomestic

CHE • Chennai Airport • Terminal T1

TFS DomesticDomestic

CHE • Chennai Airport • Terminal T4

TFS InternationalInternational

CHE • Chennai Airport • Terminal T2

Goa

1 lounges • 1 domestic • 0 international

1
TFS DomesticDomestic

GOA • Goa Airport • Terminal T1

Hyderabad

1 lounges • 1 domestic • 0 international

1
Encalm Hospitality DomesticDomestic

HYD • Hyderabad Airport • Terminal T1

Kolkata

2 lounges • 1 domestic • 1 international

2
TFS DomesticDomestic

KOL • Kolkata Airport • Terminal T1

TFS InternationalInternational

KOL • Kolkata Airport • Terminal T1

Mumbai

3 lounges • 2 domestic • 1 international

3
Oberoi Airport Services InternationalInternational

MUM • Mumbai Airport • Terminal T2

TFS DomesticDomestic

MUM • Mumbai Airport • Terminal T1C

TFS DomesticDomestic

MUM • Mumbai Airport • Terminal T2

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm Hospitality DomesticDomestic

NEW • New Delhi Airport • Terminal T1

Encalm Hospitality DomesticDomestic

NEW • New Delhi Airport • Terminal T3

Encalm Hospitality InternationalInternational

NEW • New Delhi Airport • Terminal T3

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • Higher value on partner and shopping-led transactions
  • Travel and lifestyle perk stack with lounge support
  • Decent mid-fee proposition for mixed spenders

Things to Consider

  • Partner dependency reduces universal value
  • General spend reward rate is moderate
  • Policy revisions may affect lounge and partner benefits

About Aditya Birla SBI Card SELECT

Aditya Birla SBI Card SELECT is a points card from SBI, best for users spending across fashion, retail, and occasional travel. It is tagged under shopping, lifestyle, rewards, travel categories in our database.

ShoppingLifestyleRewardsTravel

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Frequently asked questions

Is Aditya Birla SBI Card SELECT lifetime free?

It has an annual fee of ₹1499. Waived on issuer-defined annual spends

What rewards does Aditya Birla SBI Card SELECT offer?

Retail and lifestyle co-branded card with SBI acceptance and selective lounge positioning.

Does Aditya Birla SBI Card SELECT include lounge access?

Aditya Birla SBI Card SELECT lists 16 lounge visits (11 domestic, 5 international).

Who should consider Aditya Birla SBI Card SELECT?

Users spending across fashion, retail, and occasional travel

Where can I apply for Aditya Birla SBI Card SELECT?

Check the issuer website for application availability.