Aditya Birla Sbi Card Select Credit Card vs Sbi Cards Simplysave Visa Platinum Credit Card: Which is Better in 2026?
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The Aditya Birla SBI Card Select Credit Card offers limited benefits, while the SBI Cards Simplysave Visa Platinum Credit Card provides a range of rewards and a clear fee structure. This comparison highlights the differences in rewards, travel benefits, and overall cost-effectiveness between the two cards.
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 Cards Simplysave Visa Platinum Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | Visa | Visa |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.499 |
| Annual fee waiver | — | Spend Rs.1 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | — | Enjoy 10 Reward Points on Every Rs. 150 Spent at Dining |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Earn 2000 bonus Reward Points |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The SBI Cards Simplysave Visa Platinum Credit Card is better for rewards, offering 10 Reward Points on every Rs. 150 spent in categories like dining and movies, along with a welcome bonus of 2000 Reward Points. In contrast, the Aditya Birla SBI Card Select Credit Card does not provide any rewards or cashback options, making it less appealing for users seeking to earn points on their spending.
Which is better for travel?
Both cards do not offer any lounge access benefits, making them equal in terms of travel perks. However, the Simplysave card has a forex markup fee of 3.5% for foreign currency transactions, which is a consideration for frequent travelers. The Aditya Birla SBI Card Select Credit Card lacks any travel-related benefits, which may limit its appeal for those who travel often.
Which has lower effective cost?
The SBI Cards Simplysave Visa Platinum Credit Card has a clear annual fee of Rs. 499, which can be waived by spending Rs. 1 lakh annually. This structure provides transparency in costs. The Aditya Birla SBI Card Select Credit Card does not list any fees, but the lack of benefits may not justify its use. Overall, the Simplysave card is more cost-effective given its rewards and fee waiver option.
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 benefits. This card may suit those who want a straightforward credit card without the complexities of rewards programs.
Who should pick Sbi Cards Simplysave Visa Platinum Credit Card?
Consider SBI Cards Simplysave Visa Platinum Credit Card if you frequently dine out or shop at movies and grocery stores, as it offers significant rewards in these categories. The welcome bonus and potential fee waiver make it a practical choice for those looking to maximize their spending.
Frequently Asked Questions
No, the Aditya Birla SBI Card Select Credit Card does not offer any rewards or cashback benefits.
The annual fee for the SBI Cards Simplysave Visa Platinum Credit Card is Rs. 499.
Yes, the fee can be waived if you spend Rs. 1 lakh annually.
The SBI Cards Simplysave Visa Platinum Credit Card has a forex markup fee of 3.5% for foreign currency transactions.