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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Star 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 Star Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkMastercard
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SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card - Tata Star 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 CurrencyReward PointReward Point
NetworkMastercardVisa
Editor Rating7.8/107.5/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Star Card SELECT

  • 0% on Groceries
  • 0% on Dining
  • 0% on International

Fabindia SBI Card SELECT

No accelerated rewards listed

Pros & Cons

SBI Card - Tata Star Card SELECT

Pros

  • Exceptional 1:1 reward redemption ratio where 1 Reward Point equals ₹1.
  • High 3.5% value back on all spends at Star Bazaar outlets.
  • Up to 5% value back at select Tata retail outlets like Westside and Croma.
  • Generous welcome and milestone vouchers that can fully offset the annual fee.

Cons

  • High annual fee of ₹2,999 with a relatively high waiver threshold of ₹3 Lakhs.
  • Rewards and benefits are heavily concentrated within the Tata ecosystem.
  • 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 Star 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 Star Card SELECT if

Maximum value is derived from shopping at Star Bazaar, Westside, Croma, 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 Star Card SELECT or Fabindia SBI Card SELECT?
SBI Card - Tata Star 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 Star Card SELECT and Fabindia SBI Card SELECT?
SBI Card - Tata Star Card SELECT has an annual fee of ₹2,999, while Fabindia SBI Card SELECT has an annual fee of ₹1,499. SBI Card - Tata Star 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 Star Card SELECT or Fabindia SBI Card SELECT?
SBI Card - Tata Star Card SELECT offers a base reward rate of 1% with accelerated rewards on Groceries and Dining. 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 Star Card SELECT and Fabindia SBI Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Star 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 Star 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.

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