Aditya Birla Sbi Card Select Credit Card vs Paytm Sbi Card: Which is Better in 2026?
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The Aditya Birla Sbi Card Select Credit Card offers a minimalistic approach with no notable benefits, while the Paytm Sbi Card provides a range of cashback rewards specifically for Paytm services. For users seeking rewards, the Paytm Sbi Card stands out significantly due to its cashback structure and membership benefits.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Aditya Birla Sbi Card Select 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?
In terms of rewards, the Paytm Sbi Card is clearly superior, offering various cashback options such as 1% on Paytm stores and 3% on Paytm Mall, Movies, and Travel. In contrast, the Aditya Birla Sbi Card Select Credit Card lacks any reward structure, making it less appealing for those looking to earn benefits on their spending.
Which is better for travel?
Both cards do not provide significant travel benefits, as neither offers lounge access or travel-related perks. Therefore, for frequent travelers, neither card may be the ideal choice, and users should consider other options that provide comprehensive travel rewards.
Which has lower effective cost?
Regarding fees, both cards have a joining and renewal fee of Rs. 499, making them equally positioned in terms of cost. However, the Paytm Sbi Card offers a fuel surcharge waiver, which could provide additional value for users who frequently refuel their vehicles.
Who should pick Aditya Birla Sbi Card Select Credit Card?
Consider Aditya Birla Sbi Card Select Credit Card if you prefer a straightforward card without any complex rewards or fees. It may suit those who do not engage in frequent transactions or who are looking for a no-frills credit card experience.
Who should pick Paytm Sbi Card?
Consider Paytm Sbi Card if you regularly use Paytm for shopping or services, as it provides valuable cashback rewards and a complimentary Paytm First Membership. This card is ideal for users who want to maximize their rewards through everyday spending on the Paytm platform.
Frequently Asked Questions
No, the Aditya Birla Sbi Card Select Credit Card does not provide any rewards.
The Paytm Sbi Card offers 1% cashback on Paytm Online & Offline Stores, and 3% cashback on Paytm Mall, Movies, and Travel.
Yes, both cards have a joining fee and renewal fee of Rs. 499.
The Paytm Sbi Card offers a 1% fuel surcharge waiver, while the Aditya Birla Sbi Card Select Credit Card does not.