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Side-by-Side Comparison|Updated March 2026

SBI Card - Tata Star Card SELECT vs SBI Card - Tata 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

SBI Card - Tata Card SELECT

7.8/10
Annual Fee₹2,999
Base Rewards1%
NetworkVisa
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Feature-by-Feature Comparison

FeatureSBI Card - Tata Star Card SELECTSBI Card - Tata Card SELECT
Annual Fee₹2,999₹2,999
Joining Fee₹2,999₹2,999
Fee Waiver Spend₹3,00,000N/A
Base Reward Rate1%1%
Reward CurrencyReward PointEmpower Points
NetworkMastercardVisa
Editor Rating7.8/107.8/10
Forex Markup3.5%3.5%

Accelerated Rewards

SBI Card - Tata Star Card SELECT

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

SBI Card - Tata 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.

SBI Card - Tata Card SELECT

Pros

  • High reward rate of up to 5% value back at select Tata outlets.
  • Generous welcome and anniversary gift vouchers worth ₹3,000 each.
  • 1 Empower Point equals ₹1, offering simple and high-value redemption.
  • Accelerated 3x rewards on grocery, dining, and international spends.

Cons

  • High annual fee of ₹2,999 with no direct spend-based waiver mentioned for the fee itself (only voucher renewal).
  • International lounge visits are not complimentary despite Priority Pass membership.
  • Rewards are highly optimized for the Tata ecosystem, limiting flexibility for non-Tata loyalists.

Our Verdict

Both SBI Card - Tata Star Card SELECT and SBI Card - Tata Card SELECT are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose SBI Card - Tata Star Card SELECT if

Maximum value is derived from shopping at Star Bazaar, Westside, Croma, and other Tata brands.

Choose SBI Card - Tata Card SELECT if

Maximum value back at brands like Croma, Westside, and Taj Hotels.

Frequently Asked Questions

Which is better: SBI Card - Tata Star Card SELECT or SBI Card - Tata Card SELECT?
Both SBI Card - Tata Star Card SELECT and SBI Card - Tata Card SELECT are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between SBI Card - Tata Star Card SELECT and SBI Card - Tata Card SELECT?
SBI Card - Tata Star Card SELECT has an annual fee of ₹2,999, while SBI Card - Tata Card SELECT has an annual fee of ₹2,999. SBI Card - Tata Star Card SELECT offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: SBI Card - Tata Star Card SELECT or SBI Card - Tata Card SELECT?
SBI Card - Tata Star Card SELECT offers a base reward rate of 1% with accelerated rewards on Groceries and Dining. SBI Card - Tata Card SELECT offers 1% base rewards. The better choice depends on your primary spending categories.
Can I have both SBI Card - Tata Star Card SELECT and SBI Card - Tata Card SELECT?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. SBI Card - Tata Star Card SELECT and SBI Card - Tata 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 SBI Card - Tata Card SELECT?
For beginners, SBI Card - Tata Star Card SELECT may be more approachable with a lower annual fee of ₹2,999. However, evaluate based on your expected spending pattern rather than fee alone.

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