Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Credit Card Reviews

    • SBI Cards Credit Card
      "Not bad"
      0.5 2.0/5 "Expected more"
      I am having the SBI Elite card and am using it from the last eight months of time. Credit limit is around 3.5 lakh Rupees till now. Customer service is also a good one with them and the interest rate is the drawback with them, also they will not provide the reason for the extra charges.
      Was this review helpful? 2
      , chennai
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the State bank of India and the services are good one with them, also they have contacted me to increase the credit limit. Customer service is good one with them and am using it from the last two months of time.
      Was this review helpful? 0
      , tirupur
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I do have credit card with the SBI and I want to say its the best one because their service aspects are really good while compare with some other competitors. Response is fine one with them and am having this credit card from the last two years of time. Offers are almost good one with them.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      State bank of India provides good credit card service. I am using the card for long time but I did not gone through any kind of tough situation because of the credit card. I used to get reward points and cash back offers. Good feature of SBI is we can convert all the reward points into cash.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Need to look for customer"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is the one am having from the last three to four years of time. Rate of interest is huge with them and reaching out the customer service is also really a tough one. They are charging the standardized rate of interest on a monthly basis. It looks like something which is P rivaling in the market.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      With the SBI platinum credit card the interest rates is really high and the customer support is not up to the mark. I don't get any benefits with this card. I hold this card for past 3 years. The Sbi can increase the credit limit with this card. Overall I am satisfied with the service
      Was this review helpful? 0
      , jamnagar
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      It was quite good to use style credit card of State bank of India. . I don't have any charges on my statement no hidden charges anything its clear.credit limit they have offered is 35000 rupees overall experience was fine with state bank of India.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good credit card"
      0.5 3.0/5 "Satisfactory"
      Earlier I had simply save credit card now they upgraded for Platinum card. SBI simply save card has one point for 100 rupees spent. But platinum has two points for 100 rupees. If I wish. I could redeem the points into cash or voucher. Features are good with SBI credit card they got tie up with many outlets like KFC, coffee day etc.
      Was this review helpful? 0
      , narwana
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Convenient Shopping with SBI ELITE"
      0.5 5.0/5 "Blown Away!"
      Almost SBI credit card interest rate is equally good. I am holding Platinum Elite credit card it has the credit limit of Rs.2.4 lakhs. Frequently I shop with my credit card, I purchased many home appliances 65,000 CREDIT LIMIT. There is no annual charges, its a life credit limit, I got maximum cash back of Rs.65,000 which is really great.
      Was this review helpful? 1
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Its Convenient "
      0.5 3.0/5 "Satisfactory"
      I couldn't redeem SBI reward points into cash, I am using SBI credit card for past eight month, I used to get cash back in online shopping upto 10% to 15%. I am happy about it. SBI offered me good credit limit, its very much satisfied. Overall I am happy with their offers.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      When I had been offered this card, i was told it was that the credit limit would be good but the credit limit they have offered is 16k which is very low. The most important feature is on line banking with sufficient credit limit I have called the bank to increase my limit but they just said " Sorry sir no offers running now".
      Was this review helpful? 1
      , udaipur
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "The best for a credit card"
      0.5 5.0/5 "Blown Away!"
      SBI is excellent in the services. When ever I call the customer support they respond well and on the same day they sort out what ever my clarification might be. There are reward points and I benefit a lot with this credit card when I use it online as I get 5% to 10% cash back. There is a annual fee of Rs.500 and it is waived off as my transactions crosses the specified limit. I am also happy with the online banking, because when I log in I am able see the details of my outstanding and principle and due date. I do not have to navigate much for information.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Offers has to be improvement"
      0.5 3.0/5 "Satisfactory"
      SBI interest rate is high they taking high processing fee for EMI conversion, they didn't give any another offers on the credit card. I am using SBI Simply Save credit card for past one year they offered me the credit limit of Rs. 1 lakhs its good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Good to use for railway tickets"
      0.5 5.0/5 "Blown Away!"
      I have SBI IRCTC credit card, I used to book the railway tickets with that card and I am getting good offers with good reward points. For 100 rupees spent - 1 points, last year I have accumulated and got 2000 rupees voucher for the shopping, I am very happy to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Satisfied with the process"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card at SBI is good and the best is the fast process in me getting the card. There is a annual fee of 499% and it gets waived off if I swipe my card for a certain limit. The drawback is that the credit limit was lesser than what was promised.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Its Good to hold"
      0.5 3.0/5 "Satisfactory"
      I am getting very good follow up calls from SBI on credit card reminder and they updating good offers on time. I am fine with the credit card its good credit limit. I used to get some offers in online shopping, but I am not much aware of other offers.
      Was this review helpful? 1
      , chennai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "The best in banking"
      0.5 4.5/5 "Excellent!"
      I hold a credit card with SBI and the offers are excellent and also the credit limit as well. There are charges on the card and there is no refund as well. I am still happy with the bank as the card is accepted all over and the services are good and the statements are clear.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "Under updattion"
      0.5 4.0/5 "Great!"
      Having SBI simply save card for past 2 years, Availing the benefits like reward points and the cash back offers with this card. The customer service need improvement here. I am happy with the credit limit with this card. The mobile application need to focused a lot. Overall it is an average card to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "It should be transparent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI IRCTC credit card, they are giving best offer on train booking, when I book any railway ticket through my credit card, ticket cost is getting low. But I faced some issues with SBI credit ca rd, I have paid all the out standing due of my card, but SBI impacted credit score hence unable to loan from any bank. I had lot of communication with them but still it was not resolved.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "Very Good"
      0.5 4.5/5 "Excellent!"
      I am having the credit card with the SBI and I got it from them because I had the salary account with them. Customer service is good one with them and the credit limit is good one and I made it in optimized manner. Online services were good with them before but after merging , I have faced some issues with them.
      Was this review helpful? 0
      , dharapuram
      Reviewed on May 24, 2017
    Common Loader Icon

    Capital First SBI Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    If you love to shop and are looking for a credit card with a variety of features, then you should apply for a Capital First SBI Card. Apart from having amazing features, this card offers multiple benefits such as reward points, welcome gift, 0% fuel surcharge, etc.

    Key Points:

    • 10x Reward Points on all movie, dining and electronic spends.
    • 2,000 bonus points as welcome gift.
    • 1 Reward Point on spend of every Rs.100.
    • 0% fuel surcharge.
    • Accepted all over the world.

    Benefits:

    • Welcome Gift – Apply for Capital First SBI Card and spend Rs.2,000 within the first 60 days to get a welcome gift worth 2,000 bonus Reward Points.
    • Reward Points – Earn 1 Reward Point on every Rs.100 that you spend using this card. Get 10 Reward Points on every Rs.100 that you spend on movies, dining and electronics.
    • Fuel Surcharge – Cardholders do not have to pay any fuel surcharge when they make payments at any Indian petrol pump using this card. The offer can be availed by you if you spend a minimum of Rs.500 and up to Rs.3,000 on fuel.
    • Rewards – Spend Rs.1,25,000 annually to earn 2,000 Reward Points. Apart from this, avail 2000 bonus points as anniversary gift from the second.

    Features:

    • Global Acceptance – Capital First SBI Card is accepted by more than 24 million stores all over world.
    • Revolving Credit Facility – This card offers revolving credit facility that helps you in planning your pending payments efficiently. You can choose to pay the minimum amount due every month and carry forward the pending balance at the lowest interest rates.
    • Easy Cash – You can withdraw cash using this card from more than 1 million MasterCard, Visa or SBI ATMs.
    • Add-on Cards – This card allows you to apply for add-on cards for your immediate family members who are more than 18 years old.
    • Railway Ticket Booking – Using this card, you can easily book railway tickets on the website of IRCTC.
    • Utility Bill Payments – This card offers Easy Bill Pay Facility that allows you to easily pay all your utility bills online.
    • Balance Transfer Facility – You can choose to transfer the balance of your other cards to your Capital First SBI Card at low interest rates. This will help you clear all your dues quickly and conveniently.
    • 24x7 Customer Service – Cardholders can contact the SBI Card Customer Helpline at any time in case they some help related to their Capital First SBI Card.
    • Flexi Pay – This card offers Flexi Pay, which is an instalment plan that allows you to purchase products and pay for them in instalments. This plan has a low rate of interest and can be initiated easily.
    • Easy Money – Cardholders can order a bank draft by contacting on the SBI Card Customer Helpline number. The draft amount will be then credited to you card account, which you can use to make payments.
    • Online Management – You can easily manage your Capital First SBI Card account online. To do so, you have to visit the website of SBI Card.

    Fees and Charges:

    Type of Fees and Charges Amount
    One time Annual Fee Rs.499
    Renewal fee Rs.499
    Add-on Card Fee NIL
    Finance charge Up to 3.35% every month
    Interest free credit period 20 to 50 days
    Minimum amount due 5% of the outstanding balance
    Limit on Cash Advance Up to 80% of the credit limit. Maximum Rs.12,000 per day
    Finance Charge on Cash Advance Up to 3.35% per month
    Cash Advance fee SBI ATM or Other ATM – 2.5% of the amount transacted (Minimum - Rs.300) International ATMs – 3% of the amount transacted (Minimum – Rs.300)
    Cheque Bounce Fee or invalid cheque fee 2% of the cheque dishonour amount (Minimum – Rs.350, Maximum – Rs.500)
    Cheque pick up fee Rs.90
    Statement retrieval fee Rs.100 for each statement (if the statement is 2 months old or more)
    Charge slip retrieval fee Rs.225 for each charge slip
    Late payment fee If the total amount due ranges from Rs.0 to Rs.200, then no fee is charged
    If the total amount due is more than Rs.200 and up to Rs.500, then Rs.100 is charged
    If the total amount due is more than Rs.500 and up to Rs.1,000, then Rs.400 is charged
    If the total amount due is more than Rs.1,000 and up to Rs.10,000, then Rs.500 is charged
    If the total amount due is more than Rs.10,000, then Rs.750 is charged
    Overlimit fee 2.5% of the overlimit amount (Minimum – Rs.500)
    Card replacement fee Rs.100
    Emergency card replacement fee (when out of India) Actual cost of the card (Minimum $175)
    Fee for transaction in foreign currency Conversion mark-up - 3.5%
    Fee for redemption of rewards Rs.99
    Fee for cash payment Rs.100
    Surcharge on railway tickets purchased at railway counters Rs.30 plus 2.5% of the amount transacted
    Surcharge on railway tickets purchased on the website of IRCTC 1.8% of the amount transacted plus service charge
    Maximum fuel surcharge waiver Rs.100 per statement cycle for each credit card account

    The rates/fees and charges can be changed at any time at the bank’s discretion.

    FAQs:

    1. What is the value of the reward points?

      4 Reward Points is equal to Rs.1. So, if you have say 20 Reward Points in your account, the value of these points is Rs.5.

    2. Where can I get more information about Capital First SBI Card?

      You can get more information about Capital First SBI Card on the website of SBI Card. You can also contact on the SBI Card Customer Helpline number for more details.

    3. Can I track my SBI credit card application online?

      Yes, you can track your SBI credit card application online on the website of SBI Card.

    4. Can I manage my credit card account online?

      Yes, you can manage your credit card account online. You have to visit the SBI Card website and login using your User ID and Password.

    5. How can I pay my credit card bill?

      You can pay your credit card bill online as well as offline. The online payment modes are as follows:

      • NEFT Payments
      • SBI Online
      • Net Banking
      • SBI Mobile Banking
      • SBI Auto Debit
      • Mobile Application
      • Debit Card
      • Electronic Bill Payment
      • Electronic Clearing Services

      The offline payment modes are as follows:

      • Over the Counter
      • Manual Drop Box
      • Cash
      • Electronic Drop Box
      • SBI ATM
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