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  • Capital First SBI Credit Card

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  • 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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    Credit Card Reviews

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      "Good card"
      0.5 4.0/5 "Great!"
      I have chosen SBI credit card since got the offers as well can get reward points.The credit limit was good and this was a chargeable card. This card i am using mostly for shopping and travel booking. I haven not faced any difficulties .Without any hassles got my credit card and this is useful on all situations and not sure about the interest.
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      "Good Service"
      0.5 4.0/5 "Great!"
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      , bangalore
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    • SBI Cards Credit Card
      "They should reduce the annual fee"
      0.5 5.0/5 "Blown Away!"
      Recently i have bought the TATA card from State bank of India. They are providing free medical insurance for the TATA card but they are charging me a huge annual fee of Rs. 2200 per annum where other banks are providing free credit card but they have not given me a much of credit limit also because its only Rs. 25000.
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    • SBI Cards Credit Card
      "HDFC should give all features to everyone"
      0.5 5.0/5 "Blown Away!"
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      , hyderabad
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    • SBI Cards Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card which was availed through online .if purchased any products whatever offers shown online will be getting the same .This was a chargeable card and it is a simply save card .I am getting offers on movie tickets and airport lounge access.I am totally satisfied with the service so far.
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      , kolkata
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    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have been holding SBI credit card more than 3 years. Applied through bank directly and the credit limit of Rs. 4.23L which is high and good. I use this card for fuel purpose, based on my usage I get good reward points. Customer service was excellent and i am paying annual charge Rs. 500.
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      , hyderabad
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have SBI credit card which was availed through online .I am getting vouchers but dont know how to use .The credit limit was really good ,I am getting movie ticket offers,airport lounge access are there but i have not utilised these source .I have submitted the documents as well as uploaded the documents.
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      , pune
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good for people who travel"
      0.5 5.0/5 "Blown Away!"
      1 year ago, i have purchased the credit card from SBI. Since I'm traveling a lot, I'm using this card for filling fuel on the petrol bunks because i get fuel sur charges waiver. They gave me a credit limit of Rs. 28000 and they have charged me a annual fee of Rs. 499 and it will get waived off if i use the card for Rs. 2 lakh in a financial year.
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      , kochi
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Feature card"
      0.5 5.0/5 "Blown Away!"
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      , kochi
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    • SBI Cards Credit Card
      "Good one"
      0.5 4.0/5 "Great!"
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      , kolkata
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
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      , kolkata
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 0
      , pune
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have been paying my bill on time for my SBI credit card so that i have not paid any late fee till now. They have provided me a simply click card with the low limit of Rs. 78000 which is not enough for me. I am swiping the card for fuel purpose and for purchases. They told me that the annual fee is Rs. 500 but if i exceeds the limit of Rs. 1 lakh, i don't need to pay it.
      Was this review helpful? 0
      , tirupur
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I have SBI credit card which was taken through Bank directly.This was a FBB style up card i am getting discounts on clothings and the credit limit was sufficient. This was a chargeable card and also i am getting equivalent amount of discounts .Everything is good on this credit card so far.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
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      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I am happy with SBI customer service because whenever try to contact its connecting on time to them . I have taken a credit card since i am working in bharath petroleum based on that i got this offer. This is a life time free card and also i am happy with the credit limit Rs. 75k. Mostly i use this card for shopping and also EMI conversion is avail.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have SBI credit card which was taken through bank only .Converting EMI option ,movie ticket offers and discounts for shopping are there.There was no difficulties faced so far on using .Since have more benefits it is much comfortable to use .I am totally happy with the credit card service .
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      , kolkata
      Reviewed on Jan 21, 2020
    • SBI Cards Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have chosen SBI credit card for all emergency purpose .This was a chargeable card need to pay Rs.499 on yearly basis.I am getting fuel benefits as well as movie ticket offers which is really useful and much convenient.I am using this card almost 1.5 to 2 months only,
      Was this review helpful? 0
      , durgapur
      Reviewed on Jan 21, 2020
    • SBI Cards Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card which was taken through online .Main benefit is getting updates on time. If I do any transaction I will be getting the updates it is very user friendly .I am satisfied with the credit limit and it will be good if the limit is enhanced .I am comfortable with the service so far.
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      , faridabad
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      "Chargeable card with benefits"
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