Vyaya
Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Croma Card SELECT vs Fabindia SBI Card SELECT

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

SBI Card

SBI Card - Tata Croma Card SELECT

8.2/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
View Full Details

SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureSBI Card - Tata Croma Card SELECTFabindia SBI Card SELECT
Annual Fee₹2,999₹1,499
Joining Fee₹2,999₹1,499
Fee Waiver Spend₹3,00,000₹2,00,000
Base Reward Rate1%0.25%
Reward CurrencyEmpower PointReward Point
NetworkVisaVisa
Editor Rating8.2/107.5/10
Forex Markup3.5%3.5%

Pros & Cons

SBI Card - Tata Croma Card SELECT

Pros

  • High 5% value back at select Tata outlets like Westside and Taj
  • Direct 2% value back on all Croma and cromaretail.com purchases
  • Welcome and Anniversary vouchers of ₹3,000 effectively cover the annual fee
  • Generous 3% reward rate on Dining, Groceries, and International spends

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakh
  • Rewards are primarily optimized for the Tata ecosystem redemption
  • No complimentary international lounge access despite the premium fee

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).

Our Verdict

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

Choose SBI Card - Tata Croma Card SELECT if

Excellent value back across Croma, Westside, Taj, and other Tata brands.

Choose Fabindia SBI Card SELECT if

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

Frequently Asked Questions

Which is better: SBI Card - Tata Croma Card SELECT or Fabindia SBI Card SELECT?
SBI Card - Tata Croma Card SELECT edges ahead overall with a stronger combination of rewards and value. However, Fabindia SBI Card SELECT could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between SBI Card - Tata Croma Card SELECT and Fabindia SBI Card SELECT?
SBI Card - Tata Croma Card SELECT has an annual fee of ₹2,999, while Fabindia SBI Card SELECT has an annual fee of ₹1,499. SBI Card - Tata Croma Card SELECT offers a fee waiver on ₹3,00,000 annual spend. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Croma Card SELECT or Fabindia SBI Card SELECT?
SBI Card - Tata Croma Card SELECT offers a base reward rate of 1%. Fabindia SBI Card SELECT offers 0.25% base rewards. The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Croma Card SELECT and Fabindia SBI Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Croma Card SELECT and Fabindia SBI Card SELECT can complement each other if they cover different reward categories.
Which card is better for beginners: SBI Card - Tata Croma Card SELECT or Fabindia SBI Card SELECT?
For beginners, Fabindia SBI Card SELECT may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

Related Comparisons

SBI Card - Tata Croma Card SELECT vs SBI Card PRIMEFabindia SBI Card SELECT vs SBI Card PRIMESBI Card - Tata Croma Card SELECT vs Axis Bank Select Credit CardFabindia SBI Card SELECT vs Axis Bank Select Credit Card

Explore More

SBI Card - Tata Croma Card SELECT Full ReviewFabindia SBI Card SELECT Full ReviewAll SBI Card CardsBrowse All Credit CardsCredit Card Guides & Tips