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

    Credit Card Reviews

    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have my credit card approved with SBI cards and the experience was the best. The process was good and i received my credit card within 2 weeks. I have a credit limit of Rs 25000 which is less in this credit card. An annual fee of Rs 499 has to be paid every year for this credit card and they also charged Rs 1650 for insurance. Customer service was good and they provided door step service to collect the documents. I get offers like reward points in this credit card and i use this card for shopping purpose.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Better card to use"
      0.5 3.0/5 "Satisfactory"
      I got the Sbi simply save credit card for past 4years. The customer support service is good with the State Bank of India, I am not satisfied with the credit limit value with this card, it would be great if they increase the credit limit value in future.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      My credit card application was approved with SBI cards and the experience was good. They gave a credit limit of Rs 48000 which is less for this credit card. The process was smooth and i received my credit card within 1 week. Customer service was good and documents were collected on time. An annual fee of Rs 499 has to be paid every year for this credit card. I am not aware of any offers in this credit card and i use this card for general purpose.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Poor Service"
      0.5 1.0/5 "Really Bad"
      Am using State Bank of India credit card for a long time. I feel the charges and customer service response is worst than any other bank I have seen. Dissatisfying service and response I have experience with State Bank of India. I would like to suggest to improve there customer service and product service for the betterment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I had applied for a credit card with State bank of India.The limit is 1.25 lakhs i expected more the card is chargeable first year is 450 and followed by that its free.They had dispatched the card within 2 weeks.Net banking is very fast and quick to make payment.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with SBI simply save card from last 1 month, the credit card services are pretty good when compared to other credit cards. An annual fee of Rs 499 has to be paid every year for this credit card. I get 2000 reward points on spending Rs 2000. I use net banking for making payments and i have a credit limit of Rs 40000 which is less for this credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State bank of India.The limit on the card is 93,000,i have charges only for the first year followed by that its not chargeable.I spent more than 65,000 i have not yet earned any reward points.Net banking is useful to make payment.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "satisfied service "
      0.5 3.0/5 "Satisfactory"
      I have taken a credit card with State bank of India.The limit on the card is sufficient to transact its been a months since i had received the card,i had submitted documents and they give a good response to the customer, the card is life time free card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I got the GOLD AND MORE CREDIT CARD from state bank of India and I use this card for more than 10 years. The customer support is good with the state bank of India credit card department. I use this card for shopping, online purchases and for other bill payments. I am satisfied with the credit limit value.
      Was this review helpful? 0
      , mysore
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Best banking"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State bank of India The limit on the card is 50,000 its sufficient to transact with my card.I pay an annual fees of 500 to use this card.Bank has given a simply save credit card,its a basic car for shopping,I make card payment through online.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      Using the SBI SIMPLY SAVE CREDIT CARD for past 6 months. I use this card for purchasing and for other bill payments. I am not satisfied with the credit limit, I would suggest SBI to increase the credit limit value as per the customers requirement.
      Was this review helpful? 0
      , dindigul
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am satisfied with the SBI simply save credit card limit value. The customer support service is good with the state bank of India. I use this card for shopping, purchases and for other bill payments. The rate of interest and the charges are nominal with this card.
      Was this review helpful? 0
      , greater noida
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have applied for YATRA SBI CREDIT CARD and received within 5-7 working days, they gave me the limit of rs30,000 which is not more sufficient for me. Mostly I often use this card for shopping, filling petrol and Dining. I would be happy, If they increase my credit limit.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The line of credit offered by SBI is very much sufficient for me. The customer support is good and I use State bank of India credit application which was easy to use and very user friendly. It was a good experience with State bank of India platinum credit card department.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I hold a credit card with SBI cards from last 1-2 months, the credit card services are comparatively good than other credit cards. They did not charge any annual fee at the time of getting this credit card. The offers are very good in this credit card. I use net banking for making payments and i have a credit limit of Rs 28000 which is sufficient for this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Like to use the card, feeling comfortable in using SBI SIMPLY SAVE CARD. More offers and savings are available here. Mostly I use this card for shopping and petrol. Good customer service from the team. I am happy with the SBI credit card. Everything is perfect one with the SBI credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a credit card with State bank of India.The limit on the card is 64,000.I have an annual fees of 500 to hold this card.They had processed the card within 10 days of time.Net banking is a problem i couldn't make payments online ,i use mobile App.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "More to Improve"
      0.5 3.0/5 "Satisfactory"
      After receiving SBI card, I had very much worried about the bill which I have been charged. Most often I see my bill to be double charged. I was also failed in reaching the customer service department regarding this issue. Last bill payments were clear and no charges were made. I would really suggest to improve your service to the customers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "looking for better credit limit"
      0.5 1.0/5 "Really Bad"
      My experience with SBI credit card was not good, i have a credit limit of Rs 25000 which is less when compared to other credit cards. I received my credit card within 15-20 days and there is no annual fee charged for this credit card. Customer service was not up to the mark and the documents were collected door step. The interest rate and charges are high when compared to other banks and i use this credit card for general purpose.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 22, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      My credit card application was approved with SBI cards and the experience was good. The process was smooth and i received my credit card within 15 days. I have a credit limit of Rs 25000 but i expected Rs 40000. An annual fee of Rs 499 has to be paid every year for this credit card. Customer service was good and they collected documents on time. I did not find any offers in this credit card and i use this card for general purpose.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 22, 2018
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