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Side-by-Side Comparison|Updated March 2026

Fabindia SBI Card SELECT vs Delhi Metro SBI Card

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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SBI Card

Delhi Metro SBI Card

7.2/10
Annual Fee₹499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureFabindia SBI Card SELECTDelhi Metro SBI Card
Annual Fee₹1,499₹499
Joining Fee₹1,499₹499
Fee Waiver Spend₹2,00,000₹1,00,000
Base Reward Rate0.25%0.25%
Reward CurrencyReward PointReward Points
NetworkVisaVisa
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Fabindia SBI Card SELECT

No accelerated rewards listed

Delhi Metro SBI Card

  • 0% on Dining
  • 0% on Movies
  • 0% on Groceries
  • 0% on Departmental Stores
  • 0% on Utility Bill Payments

Pros & Cons

Fabindia SBI Card SELECT

Pros

  • High 10% value back on all Fabindia in-store and online spends.
  • Welcome gift voucher of ₹1,500 effectively offsets the joining fee.
  • Direct access to Platinum Tier Fabfamily membership for exclusive privileges.
  • Complimentary domestic lounge access and Priority Pass membership included.

Cons

  • Reward points are primarily valuable only when redeemed for Fabindia shopping.
  • Base reward rate for general spends is relatively low at 1%.
  • International lounge visits via Priority Pass are not complimentary (membership only).

Delhi Metro SBI Card

Pros

  • Dual-purpose card functioning as both a credit card and a Delhi Metro Smart Card.
  • Auto top-up facility of ₹200 whenever the metro balance falls below ₹100.
  • 10x reward points on daily essentials like groceries, dining, and utility bills.
  • 10% discount on Delhi Metro fares, consistent with standard smart card benefits.

Cons

  • Monthly reward points are capped at 5,000 per statement cycle.
  • No complimentary domestic or international airport lounge access.
  • Low base reward rate of 0.25% on non-accelerated categories.

Our Verdict

Fabindia SBI Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Delhi Metro SBI Card could be the better pick if its specific category strengths match your spending habits.

Choose Fabindia SBI Card SELECT if

The 10% reward rate and Platinum tier membership offer unmatched value for frequent Fabindia shoppers.

Choose Delhi Metro SBI Card if

The auto top-up and fare discounts make it highly convenient for regular Delhi Metro users.

Frequently Asked Questions

Which is better: Fabindia SBI Card SELECT or Delhi Metro SBI Card?
Fabindia SBI Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Delhi Metro SBI Card could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Fabindia SBI Card SELECT and Delhi Metro SBI Card?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while Delhi Metro SBI Card has an annual fee of ₹499. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend. Delhi Metro SBI Card offers a fee waiver on ₹1,00,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or Delhi Metro SBI Card?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. Delhi Metro SBI Card offers 0.25% base rewards with bonuses on Dining and Movies. The better choice depends on your primary spending categories.
Can I have both Fabindia SBI Card SELECT and Delhi Metro SBI Card?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and Delhi Metro SBI Card can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or Delhi Metro SBI Card?
For beginners, Delhi Metro SBI Card may be more approachable with a lower annual fee of ₹499. However, evaluate based on your expected spending pattern rather than fee alone.

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