Key Features & Benefits
- ✦10X Reward Points on dining, grocery, movies & departmental stores (2.5% effective rate)
- ✦1 Reward Point per ₹100 on all other eligible spends
- ✦2,000 bonus Reward Points welcome benefit (on ₹2,000 spend in 60 days)
- ✦Annual fee waiver on ₹1L annual spend
- ✦1% fuel surcharge waiver
- ✦EMI conversion facility on large purchases
- ✦Contactless payments enabled
- ✦Add-on cards for family members
Advertisement
Welcome & Joining Benefits
- ✦2,000 bonus Reward Points on spending ₹2,000 within first 60 days
Milestone Benefits
- ✦₹1L annual spend → ₹499 annual fee waived
Pros & Cons
✓ Advantages
- ✓10X on grocery & dining — covers India's top two household spend categories
- ✓Welcome bonus of 2,000 RPs = ₹500 value immediately
- ✓Very accessible — age 18+, income ₹15,000/month
- ✓Annual fee waived at just ₹1L (₹8,333/month) — easy for salaried users
- ✓Good starter card for building credit history
✗ Disadvantages
- ✗No lounge access
- ✗10X only on 4 categories — limited vs SBI Cashback card
- ✗1X on all other spends is very low
- ✗3.5% forex
Frequently Asked Questions
What stores qualify as 'departmental stores' for 10X?▼
Departmental stores typically include Shoppers Stop, Lifestyle, Big Bazaar, DMart, and similar multi-brand retail outlets. Standalone kirana stores may not qualify. Check SBI Card's current MCC list for exact eligible categories.
Advertisement