The Best Shopping Credit Card
Central SBI Select
- Joining Fee
- Annual Fee
- Joining Bonus
- Welcome benefits worth ₹1,500
What we like
- Extra points on spends at Central departmental stores, dining, and entertainment
- Points can be instantly redeemed at Central stores, no restrictions
What we don't
- Reward points are only useful at Central stores, therefore limited, but by design
In a tweet
The Central SBI Select is specifically designed for those likely to spend prolifically on apparel, dining out and entertainment. If you're expecting to do a lot of shopping at Central, the SBI Central Select+ card also works, except with a higher fee.
More about this card
The card for retail therapy
If you don't live too far from one of them, and like shopping for clothes, Central stores offer a wide assortment of brands across the formal / leisure / sportswear segments including Allen Solly, US Polo, Indigo Nation, Park Avenue, Louis Philippe, Indian Terrain, celio among others. You get ₹ 2.5 back for every ₹ 100 spent.
Accelerated reward points also apply to dining and movie spends, albeit at a lower rate of ₹ 1.25 for every ₹ 100.
Other spends give back a more modest ₹ 0.25 for ₹ 100 spent.
You get 8,000 reward points on crossing ₹3,00,000 spend in a year.
The best use-case for this card if to use it for wardrobe refreshes for the entire family.