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 minimal features, lacking any notable rewards or benefits. In contrast, the Paytm Sbi Card provides a structured cashback program focused on Paytm transactions, making it more appealing for users who frequently use Paytm services.
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?
For rewards, the Paytm Sbi Card clearly outshines the Aditya Birla Sbi Card. It offers various cashback options, including 1% on Paytm stores and up to 3% on specific Paytm services. The Aditya Birla Sbi Card, however, does not provide any rewards or cashback, making it less attractive for reward-seeking users.
Which is better for travel?
Both cards offer no specific travel benefits or lounge access, resulting in a tie in this dimension. Neither card provides international or domestic lounge access, which is a significant consideration for frequent travelers. Users looking for travel perks may need to explore other options.
Which has lower effective cost?
Regarding fees, both cards have a joining and renewal fee of Rs. 499, leading to a tie in this category as well. Neither card offers a fee waiver, which could be a drawback for budget-conscious users. Overall, the fee structure is similar, with no significant advantages found in either card.
Who should pick Aditya Birla Sbi Card Select Credit Card?
Consider Aditya Birla Sbi Card Select Credit Card if you prefer a card with no annual fees and do not require rewards or cashback. This card may suit users who want a straightforward credit card without the complexities of rewards programs.
Who should pick Paytm Sbi Card?
Consider Paytm Sbi Card if you frequently use Paytm for shopping, travel, or entertainment. The cashback rewards on Paytm transactions can lead to significant savings, especially for regular users of the Paytm ecosystem.
Frequently Asked Questions
No, the Aditya Birla Sbi Card Select Credit Card does not offer any rewards or cashback.
The Paytm Sbi Card offers 1% cashback on Paytm Online & Offline Stores, 3% on Paytm Mall, Movies, and Travel, and 2% on the Paytm App.
No, neither the Aditya Birla Sbi Card Select Credit Card nor the Paytm Sbi Card provides lounge access benefits.
Both the Aditya Birla Sbi Card Select Credit Card and the Paytm Sbi Card have a joining and renewal fee of Rs. 499.