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
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Service was very good from SBI,transaction was very slow from SBI. Interest rate was 12.5 emi was fine, I even use to get regular offers from SBI I uses my SBI credit card only to purchase and online shopping , I have a suggestion they have to improve their support and customer service when ever I contact it will be busy .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      It was an good service from SBI ,I use to get proper response from SBI representatives,when ever I contact them and I uses SBI visa card from which I use to get good regular offers . Transaction part was also very fast with SBI ,so overall I can say it was an excellent service .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Good for fuel"
      0.5 5.0/5 "Blown Away!"
      SBI gave me better offers than CITI bank, every month they provides two movie tickets fee at bookmyshow.com, I am getting good cash back in fuel filling and the credit limit is good. SBI is providing good cash back offers in E commerce website.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      The credit card at SBI is also having the best of offers. The credit limit is perfect and there are no charges related to my account. The transactions I make is clearly mentioned online and the statements are on time with a convenient billing cycle.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Very special card"
      0.5 5.0/5 "Blown Away!"
      SBI is very special to me also SBI has offered me a complimentary credit card. They provide special discount for shopping for example If I use the card at big bazaar I used to get 10% discount and it is applicable for all the transactions but it is meant for specific products only. Name of the credit card is Style credit card
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Good to have SBI card"
      0.5 4.5/5 "Excellent!"
      Now a days other banks also giving good offers in credit card but SBI is good in flexibility EMI with 2% of interest rate and also I am getting good reward point, recently I brought wallet through the points. And also they are giving cash back offers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Very good credit card"
      0.5 5.0/5 "Blown Away!"
      SBI credit card is very good, SBI rate of interest is very less, on the same lines SBI offers some discounts on movie tickets too. I was able to get very good discount at BOOK MY SHOW buy one get one free. Rest everything is good with SBI.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with State bank Of India and the services are excellent from them.They provide me with all the basic offers and the credit limit is also good. There are points that can be redeemed online and the annual charges for this card is 499 rupees.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Good cash back credit card"
      0.5 5.0/5 "Blown Away!"
      Before four month I have taken SBI credit card through online channel. They didn't give any complimentary offers but their service is good than CITI bank. Credit limit is also good, SBI is giving more cash back, in amazon, I purchased Info focus mobile worth Rs. 9000 with 10% discount on my credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with State Bank of India. The offers and the credit limit I have is pretty good. This bank provides more offers online and there is also a balance transfer facility. I get clear statements and it is on time too. Overall it is a hassle free experience.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The credit limit is very less on the SBI credit card. I was initially given 50K and it is not enhanced after which. I am also not happy with the billing date. I have asked for 1st of the month and the bank does it on the 6th, which is also not a good experience.
      Was this review helpful? 0
      , dehradun
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have the SBI bank credit card .I get good offers from this card and I can redeem points everywhere. It has been just four months now I had been using this card,the limit is really good its 58000 thousand.annual charges for this card is five hundred rupees
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I can say the service of SBI was very good ,even I use to get good regular offers from SBI . I can use my SBI credit card anywhere so never got any queries in that,even the representatives will be very helpful , so overall service was good .
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      , bangalore
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      For more than 15 years I am using the SBI credit card. I got the Elite credit card for past 2 years. The customer service is good with SBI. The Rate of interest is low with the SBI elite card. I use this card for all type of purchases, petrol and for electric bill payments. I am happy with the credit limit, I pay the annual fee of Rs.5000.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "Very good banking services"
      0.5 5.0/5 "Blown Away!"
      SBI has also heeded to my request for enhancing my credit limit. The bank has done a good job and I am happy with the process. The transactions are good and they are clear in the billing. It would be more great if I get some offers on the card. It would be more useful.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "Good EMI options"
      0.5 4.0/5 "Great!"
      I am fond of EMI options which is there on my SBI credit card. However SBI is charging more when it comes to EMI options. I am holding this credit card for about 8 years. I am very much happy with the line of credit which is there on the card which is 75k also I am looking forward for the card up-gradation also,
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I am using the SBI Visa platinum credit card for past 1 year. I am happy with the credit limit, because I got the credit limit of Rs,75,000. There is no annual fee for this card card. The rate of interest is average with this card. I use this card for petrol, mobile bill, and for other restaurants bills.
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      , nagpur
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "Deals and services are good"
      0.5 4.0/5 "Great!"
      State Bank of India has also offered me a credit card. The features on the card is good, I get deals often and the deals online are also decent. The limit is good and the bank updates me about the deals as well. There are no charges and in all it is smooth.
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      , mumbai
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      Though the offers are good on the SBI credit card and they also have a decent credit limit. There are a lot charges taken and the interest rate is also a bit high. The customer services could be more swift. Else the bank does not charge me any hidden fees.
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      , kolkata
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      I am one of the happiest customer of SBI credit card service and I uses my credit card for more than 10 years ,till now I never had any issues with their service and I am very comfortable with their service . Even their representatives where also very helpful always ,overall it was an very excellent service from SBI .
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 17, 2017
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    Capital First SBI Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Capital First SBI Credit Card

    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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