Aditya Birla Sbi Card Select Credit Card vs Sbi Card Prime Visa Signature Credit Card: Which is Better in 2026?
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The Aditya Birla Sbi Card Select Credit Card offers minimal benefits, while the Sbi Card Prime Visa Signature Credit Card provides a range of rewards and features. This comparison highlights the key differences in rewards, travel benefits, and overall costs associated with each card.
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 | Sbi Card Prime Visa Signature Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | Visa | Visa |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.2999 |
| Annual fee waiver | — | Spend Rs.3 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | — | Earn 10 Reward Points on Dining |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Calendar Year |
| Lounge — international | — | Enjoy 4 Complimentary International Lounge Visits |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome E-Gift Voucher Rs.3000 |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Sbi Card Prime Visa Signature Credit Card is superior for rewards, offering 10 reward points on movies, dining, and grocery purchases, along with a welcome e-gift voucher. In contrast, the Aditya Birla Sbi Card Select Credit Card lacks any reward structure, making it less appealing for those looking to earn points on their spending.
Which is better for travel?
For travel benefits, the Sbi Card Prime Visa Signature Credit Card provides 8 complimentary domestic lounge accesses and 4 international lounge visits per year. The Aditya Birla Sbi Card Select Credit Card, however, does not offer any lounge access, making it less suitable for frequent travelers.
Which has lower effective cost?
The Aditya Birla Sbi Card Select Credit Card has no specified fees, making it potentially more cost-effective for users who prefer a no-fee card. On the other hand, the Sbi Card Prime Visa Signature Credit Card has an annual fee of Rs. 2999, which can be waived by spending Rs. 3 lakhs annually, adding a layer of complexity to its cost structure.
Who should pick Aditya Birla Sbi Card Select Credit Card?
Consider Aditya Birla Sbi Card Select Credit Card if you are looking for a straightforward, no-fee card without the need for rewards or travel benefits. It may suit those who prefer simplicity and do not frequently use credit cards for earning points.
Who should pick Sbi Card Prime Visa Signature Credit Card?
Consider Sbi Card Prime Visa Signature Credit Card if you want to maximize rewards on your spending, especially in categories like dining and entertainment. Its travel benefits and welcome voucher make it a better choice for those who travel often or enjoy earning rewards.
Frequently Asked Questions
No, the Aditya Birla Sbi Card Select Credit Card does not offer any rewards.
The Sbi Card Prime Visa Signature Credit Card offers 8 domestic lounge accesses and 4 international lounge visits per year.
Yes, there is an annual fee of Rs. 2999, which can be waived by spending Rs. 3 lakhs annually.
The Sbi Card Prime Visa Signature Credit Card offers a welcome e-gift voucher worth Rs. 3000.