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

    Fees & Charges

    Promised Interest Rate

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    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
      "Very good services & response"
      0.5 5.0/5 "Blown Away!"
      State Bank of India is good on the credit card offers. The credit limit is to my satisfaction and the transactions are smooth and there is no decline in the transactions. The benefits are good and the rewards are also useful. The charges are also normal.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Till date no issues"
      0.5 4.0/5 "Great!"
      I also bank with State Bank of India for the credit card and the bank has been pretty good. They have a lot of decent deals and the limit is also nice and the transactions are smooth. The charges are normal and there are no issues in the statement and billing cycle.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Annual fee and interest should be reduced"
      0.5 4.5/5 "Excellent!"
      SBI reward point and credit limit is good, so far I didn't get any offers. I am holding SBI simple click card it has the annual fee of Rs. 499. But there was no joining fee, I got my first month statement. I fine with bill amount but annual fee and interest rate is the concern.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Cash backs with FLIPKART"
      0.5 3.0/5 "Satisfactory"
      With SBI I hold a Platinum credit card. I used to get reward points and cash back on flipkart with 10%. The interest charges are too high. The annual charge for card maintenance is 799. There are no hidden charges which is charged by SBI on its credit card.
      Was this review helpful? 0
      , samastipur
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Its Good"
      0.5 4.0/5 "Great!"
      I got 2000 reward point for the joining of SBI credit card, I could the redeem the points into cash back. I am holding simply save card it really good and it has sufficient credit limit. I paid one month credit card payment, I am satisfied with the bill amount.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Overall good. Can do better"
      0.5 3.0/5 "Satisfactory"
      State Bank of India could have checked my transactions on my other credit card and then processed my card. They have offered me a simply save card and the process is good. The services are good but the credit limit is less. I got a limit of one lakh only.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from last 6-7 months, i find this credit card very useful as i do all my transactions in this credit card. I pay an annual fee of Rs 500 which has to be paid every year for this credit card. Offers like cash back is good in SBI credit card. I use this card for online shopping and petrol. I am also satisfied with the credit limit.
      Was this review helpful? 0
      , delhi
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      As I'm a long time customer with State bank of India for around 12 years they offered me a credit card and I accepted it and took it. I have been using their Maxima credit card for 5 year and 3 months now and till now it is a very good card for me. The annual fees of Rs. 599 applied to this credit card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Easy to hold"
      0.5 5.0/5 "Blown Away!"
      I hold a platinum credit card with SBI. For the past 2 years i am using this credit card. They provide some reward points. I use this points to buy some gifts and they even provide some vouchers. The annual charge for card maintenance is 500 rupees.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Quality service"
      0.5 4.0/5 "Great!"
      I chosen Simple save credit card because its a life time free credit card and also their charges are less. They do have some good reward point but I am not aware of that completely. First bill got generated, they gave gate 25th nov, I am okay with the minimum due amt and out standing amount.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      It was a good experience with SBI. I got a Simply click credit card. The credit limit was above 50K. They took longer time to dispatch the card. They provided doorstep for documents, after collection there was no update. It would be better if they update the status.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with State Bank of India and they are doing great on the card. I get offers from time to time and there are no issues while using the card. All my transactions goes through smoothly and there are no charges for the card. They have given me a decent limit too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Poor Service"
      0.5 2.0/5 "Expected more"
      As I'm a long time customer with State bank of India for around 12 years they offered me a credit card and I accepted it and took it. I have been using their State bank of India's Travels credit card for 12 years now and till now there needs to be lot of changes and improvements needed from the bank's side.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card with State bank of India. I have been using their State bank of India's Simply Save credit card for the last 6 months now and till now it is a good card for me. There is Rs. 499 annual fees applied to this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Not bad not good"
      0.5 4.0/5 "Great!"
      I have credit card with SBI . The have offered simply save credit card and the credit limit was 62,000 which was satisfactory . The customer service and responses were not up to the mark. I did not receive the reward points till date so I am a bit disappointed here . I have no idea about the interest rate and charges . My overall experience was average.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      State Bank of India is overall good with the credit card deals and there are no hassles in the customer services. I get a proper credit limit and the card is accessible every where. The statements are good and I received it on time. The reward points system is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI. The credit limit was 50,000 and they have offered simply save International credit card . The customer service and responses was up to the mark. I had a very good and excellent credit card process here My overall experience was good and Its recommendable.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Its Better"
      0.5 4.5/5 "Excellent!"
      I am holding FBB SBI STYLEUP Card, it has annual fee of Rs. 500 but I am not sure about the waiver of yearly fee. SBI gave me nominal credit limit but they are good in remaindering the credit card bills like due date, minimum amount due etc. I am fine with this card .
      Was this review helpful? 0
      , noida
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Good Keep On Discount"
      0.5 5.0/5 "Blown Away!"
      SBI gold card provides lot of offers, they linked with lot of vendors I will get extra discount on purchase. They offers me reward points for all transaction, I have redeemed point to get discounts on some merchandise. Limit of card is also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 18, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a very good credit limit offered by SBI for my credit card service the customer service was good the offers are good also they provide me with good offers and reward points and the interest rate and fees and charges they offered me was good,it was a fine experience with SBI for my credit card service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 17, 2017
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