Aditya Birla Sbi Card Select Credit Card vs Shaurya Sbi Rupay Platinum Credit Card: Which is Better in 2026?
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When comparing the Aditya Birla SBI Card Select Credit Card and the Shaurya SBI Rupay Platinum Credit Card, the latter stands out with its reward structure and welcome benefits. The Aditya Birla card, however, lacks any notable benefits or fees, making it less appealing for most users.
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 | Shaurya Sbi Rupay Platinum Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | Visa | Rupay |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fees - Rs.250 |
| Annual fee waiver | — | Spend Rs.50000 For Waiver of Renewal Fee |
| Reward rate (headline) | — | Earn 5X Reward Points on Departmental Stores and Grocery |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Get 1000 Reward Points as Welcome Gift |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Shaurya SBI Rupay Platinum Credit Card offers a more attractive rewards program, allowing users to earn 5X Reward Points on various categories including departmental stores, groceries, dining, and movies. In contrast, the Aditya Birla SBI Card Select Credit Card does not provide any rewards or points, making it less favorable for those looking to maximize their spending benefits.
Which is better for travel?
Both cards do not offer any lounge access or travel-related benefits, making them less suitable for frequent travelers. However, the Shaurya SBI Rupay Platinum Credit Card has a foreign currency transaction fee of 3.5%, which should be considered for international usage.
Which has lower effective cost?
The Shaurya SBI Rupay Platinum Credit Card has an annual fee of Rs. 250, which can be waived by spending Rs. 50,000 annually. The Aditya Birla SBI Card Select Credit Card does not specify any fees, but the lack of benefits may not justify its use. Therefore, the Shaurya card is more cost-effective for users who can meet the spending requirement.
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 are looking for a basic credit card without any complex rewards structure. However, be aware that it lacks any significant benefits.
Who should pick Shaurya Sbi Rupay Platinum Credit Card?
Consider Shaurya SBI Rupay Platinum Credit Card if you want to earn rewards on your everyday spending, especially on groceries and dining. The welcome benefit of 1,000 Reward Points and the potential for fee waivers make it a practical choice for those who can meet the spending threshold.
Frequently Asked Questions
No, the Aditya Birla SBI Card Select Credit Card does not offer any rewards or points.
The annual fee for the Shaurya SBI Rupay Platinum Credit Card is Rs. 250.
Yes, the annual fee can be waived by spending Rs. 50,000 annually.
The foreign currency transaction fee for the Shaurya SBI Rupay Platinum Credit Card is 3.5%.