Aditya Birla Sbi Card Credit Card vs Paytm Sbi Card: Which is Better in 2026?
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When comparing the Aditya Birla Sbi Card Credit Card and the Paytm Sbi Card, the latter stands out with its cashback rewards and welcome benefits. The Aditya Birla Sbi Card, on the other hand, lacks any notable features or benefits. This summary will help you determine which card may suit your needs better.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Aditya Birla Sbi Card Credit Card | Paytm Sbi Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | Visa | Visa |
| Joining fee | — | Joining Fee of Rs.499 |
| Annual / renewal fee | — | Renewal Fee of Rs.499 |
| Annual fee waiver | — | — |
| Reward rate (headline) | — | Get 1% Cashback on Paytm Online & Offline Stores |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Enjoy Complimentary Paytm First Membership |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Paytm Sbi Card is clearly better for rewards, offering various cashback options such as 1% on Paytm stores and up to 3% on Paytm Mall, Movies, and Travel. In contrast, the Aditya Birla Sbi Card does not provide any rewards or cashback benefits, making it less appealing for those looking to earn on their spending.
Which is better for travel?
Both cards do not offer any significant travel benefits, including lounge access or travel insurance. Therefore, they are equally matched in this aspect, and users seeking travel perks may need to look elsewhere.
Which has lower effective cost?
In terms of fees, both cards have a joining and renewal fee of Rs. 499. However, the Paytm Sbi Card offers a fuel surcharge waiver, which can provide some savings for frequent drivers. The Aditya Birla Sbi Card does not have any fees listed, but the lack of benefits makes it less favorable overall.
Who should pick Aditya Birla Sbi Card Credit Card?
Consider Aditya Birla Sbi Card if you prefer a card with no annual fees and are not focused on rewards or cashback. This card may suit those who want a basic credit card without additional features.
Who should pick Paytm Sbi Card?
Consider Paytm Sbi Card if you frequently shop on Paytm and want to earn cashback on your purchases. The complimentary Paytm First Membership adds value, making it a good choice for regular Paytm users.
Frequently Asked Questions
No, the Aditya Birla Sbi Card does not offer any rewards or cashback benefits.
The Paytm Sbi Card has a joining fee and renewal fee of Rs. 499 each.
Yes, the Paytm Sbi Card offers a 1% fuel surcharge waiver across all petrol pumps.
No, both cards do not offer any travel benefits such as lounge access or travel insurance.