moolahgeeks is no longer being updated. Our recommendations may be outdated and should not be relied upon. Learn more

Nature’s Basket SBI Card

by Kshitiz V Sharma on

The Bottom Line

Nature's Basket SBI Card
Use for Household Needs

10 Rewards / ₹100 on Nature’s Basket, 5 Reward on Dining, Movies, Entertainment and International Spends and 1 Rewards on all other retail spends except fuel.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield (-2.1%)^ (-0.8%)^ 1.1% 0.7% 0.6%
Est. Monthly Reward (₹) (110) (85) 220 360 610
All-India Rewards Rank* 283 293 62 182 206
Within Bank Rank* 50 53 12 52 56
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The Nature’s Basket SBI Card gives 2.5% effective rewards on shopping, 1.25% on dining, entertainment & foreign spends and 0.25% on all other spending.

We estimate you can earn a net reward yield of 0.6-1.1% on monthly spending above ₹20,000 with this card.

The CASHBACK SBI Card is the best credit card for most SBI Card customers. We estimate it offers an average net reward yield of 1.9-2.3% on all your spend.

The SBI Unnati Credit Card is the best entry level card from SBI Card, if you spend less than ₹10,000 a month. It offers a net reward yield of 0.3-1.1% on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card Nature’s Basket SBI Card
Card Type Reward
Reward Features 10 Rewards / ₹100 on: Nature’s Basket

5 Rewards / ₹100 on Dining, Movies, Entertainment and International Spends

1 Rewards / ₹100 on all other retail spends except fuel

Milestone Rewards E-Gift Voucher worth ₹3,000 from Aldo, Inglot, Bath & Body Works, Charles & Keith on achieving annual spends of ₹3 Lacs
Other Rewards 1 Complimentary Domestic Airport Lounge Visits / Qtr
Rewards Redemption Fee ₹99
Reward Caps Unlimited
Preferred Redemption Method Redeem at Shop n Smile Catalogue
1RP= ₹0.25

Fees & Charges

Card Nature’s Basket SBI Card
Joining Fee ₹1,499 + Taxes
Annual Fee ₹1,499 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹2 Lacs
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 42.00%
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% with a minimum of ₹500
Rate this article

Comments are closed.

Questions? Suggestions? See a mistake? Write to us!


More in Credit Cards

How much

How much are International Airline Miles worth in India?

by Kshitiz V Sharma on

Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.

RBL Bank Play Credit Card

RBL Bank Play Credit Card

by Kshitiz V Sharma on

2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.

RBL Bank Platinum Bonus Supercard

RBL Bank EasySaver SuperCard

by Kshitiz V Sharma on

8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.