Spar SBI Card

The State Bank of India has launched the Spar SBI Card in association with SPAR. The Spar SBI Card provides perks like reward points, milestone benefits etc. It is an ideal card for people who shop frequently at Landmark retail or online stores. This means rewards for purchases at SPAR, Lifestyle, Max and Home Centre.

Spar hypermarket offers its services in India and has been established as a partnership between Max hypermarkets under the Landmark Group and Spar International. It sells and delivers household groceries like fruits, vegetables, meat and poultry products etc. The hypermarket has started its operation in 9 Indian cities up until now. It has fixated on the need for delivery of ‘fresh’ products to all its customers.

  • Sure Card
  • Spar SBI Card
Features Sure CardSpar SBI Card
EligibilityEveryone 18+21-65 years age group. Good credit score. Income criteria will be revealed on application.
Approval100%Not guaranteed, not transparent
Joining FeesNILRs. 588.82 (Rs. 499 + 18% GST)
Annual FeesNILRs. 588.82 (Rs. 499 + 18% GST)
Interest Rate10-14%Upto 3.50% per month (42% per annum)
Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500
Over-limit ChargesNo over-limit transactions2.5% of the overlimit amount; minimum of Rs. 600
Late payment chargesNILFrom Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Card replacement feeNILRs. 100 to Rs. 250
Fuel SurchargeNIL1% of purchase amount. 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) on transactions of Rs. 500 - Rs. 3000 Maximum waiver of Rs. 100 per statement cycle per card account
Foreign Currency TransactionNIL 3.50%
Minimum Amount DuePay in Full5% of total outstanding amount Minimum of Rs.200 + applicable taxes
Rewards10 points for every Rs.100/- transaction for everyone, everywhere.4 reward points equal Re. 1. 5 reward points on every Rs. 100 spent at Landmark online and retail stores, dining and movies. 1 reward point per Rs. 100 spent on other retail purchases. 2000 bonus reward points worth Rs. 500 on payment of joining fees.
Referral RewardYesYes, but subject to approval
Anniversary RewardYesNo
Birthday RewardYesNo
ChargebackSimple online formMail printed and signed form
Privacy and SecurityYour data is not used and not soldContactless Transaction.
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Spar SBI Card vs. SURE Card

The Spar SBI Card offers cumulative milestone benefits upto 16,000 RP worth Rs. 4000 and 8000 bonus reward points on overall annual retail spends of Rs 200,000. The Spar SBI Card also provides 2000 reward points worth Rs. 500 on payment of renewal fees annually.

The Spar SBI Card is preferable for people who are frequent shoppers, especially the ones who shop at Landmark retail and online stores, because this provides great returns in terms of rewards. However, SURE Card provides rewards points that can be earned at any expenditure across multiple stores and categories.

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