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

    Credit Card Reviews

    • SBI Cards Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I had used this card previously where i had closed this card now, the services of them has been good. The credit limit with the card was good and it has been having some benefits as well. It also had some annual charges and i had closed the card since i was already having a card with no annual charges.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 22, 2019
    • SBI Cards Credit Card
      "Need improvement"
      0.5 3.0/5 "Satisfactory"
      SBI has billing issue, they keep on adding more charges on my transaction and also IVR help desk is not reachable all the time. they are not providing call back to the customer to check the service, I am holding this card around three years, overall service should be improved.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 22, 2019
    • SBI Cards Credit Card
      "Recently Purchased credit card"
      0.5 4.0/5 "Great!"
      Recently I applied for this SBI credit card through Executive . I find a good support from that executive by taking care of all the requirements till the delivery of my credit card . SBI provided me a credit limit of more than 50 k and Annual fees is around 500 /- .
      Was this review helpful? 1
      , gulbarga
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Good. Can be more clear in details"
      0.5 3.0/5 "Satisfactory"
      SBI is good in the overall experience for the credit card. They are good in their offers and also in the credit limit. They have good emi options and there are good deals on the e commerce websites. The only thing which is not satisfactory is when I visit big stores like Big Bazaar for example. There are executives of this bank who would offer a credit card. If I am to tell them that I already have one, they would say that I could get a new card with a higher limit. My current limit is 70K and I would get 5 lakhs on the new card. Finally I would get a call from the bank who is willing to give me a new card with a bifurcated limit of 50k, where I would have 25K on each card. I refused as it is not useful to me.
      Was this review helpful? 0
      , kannur
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 3.0/5 "Satisfactory"
      It has been three years since i am using this credit card, there is some annual charges of 500 with this card. The credit limit with the card has been less and there has not been any benefits in using this card. I had not been using this card much and just for some purchases has been using.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      I got this credit for making my essential needs and is very useful for me.It is best card for doing shopping and there is no annual fee charges as well.I am using this often.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card just for the last six months and the services with them was good so far. I am satisfied with the credit limit with this card and there has also been some better offers with this card on reward points. I am happy with the credit limit with this card as well.
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average performance credit card"
      0.5 3.0/5 "Satisfactory"
      While purchasing this SBI Platinum credit card , i got more vouchers during that time . They sold this credit card without proper information .making the credit call bill payment in SBI is very difficult process . This card is not at all applicable for my usage . I thought of blocking this credit card after that i changed my mind .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State Bank of India. It is a good experience as I can redeem the points with ease. The credit limit is also good and there are no hassles. The statements are clear and sent to me on time. The customer support and response is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Point value is excellent"
      0.5 5.0/5 "Blown Away!"
      I hold a Tata Croma Titanium credit card with State Bank of India. I get good value on the rewards. I get one point on every 100 spent. The value is 1 point is equal to 1 rupee. If I use the card for a lakh I would get 1000 points which is equal to 1000rs.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Need improvement on the customer care and banking"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is some what okay because if we want to change the address, we need to fill the form and should submit to the nearest branch, they won't accept online proof. They don't require hard copy all the time, the customer care is not good. I don't have any concern about billing part.
      Was this review helpful? 0
      , vadodara
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Need improvement on the offers and service"
      0.5 3.0/5 "Satisfactory"
      There is no proper response from the SBI, they need to improve the customer support team. I don't think so, they are providing more offers to the customers, I am using this credit card around 8 years, but still I could see more benefits from their end.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Average "
      0.5 3.0/5 "Satisfactory"
      I had a SBI SIMPLY SAVE credit card and used for past 6 months, there was no annual charges. They have given me a credit limit of 50K which was sufficient to me. I did not convert the payments into EMI but it has option. The charges are reasonable. I do get a notification but have not checked the benefits.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      I have been using SBI prime credit card for past 1.5 years. The credit limit is low which am not happy. It would be appreciable if they can increase the limit. Actually I was using SBI Simply Save card and recently upgraded this card and which has annual fee of above 3K, overall unhappy.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Need increment in the Credit limit "
      0.5 5.0/5 "Blown Away!"
      I purchased this SBI credit card very recently only . Within 10 days of time I got this card . SBI executive collected the docs in on-line and Annual fees were around 500 /- . But I am not satisfied with the credit limit . Hoping for more offers in On-line purchasing .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Need to be more secure"
      0.5 3.5/5 "Pretty good"
      I have not used all the benefits on the credit card with State Bank of India. I very rarely get the offers on the card. The limit is good. The services are very slow. There was a transaction that has happened without my knowledge and I informed the customer care they are working on it but they are slow. It is a Prime card. There is no fee for the 1st year. Second year is free if I use the card for five lakhs a year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good for Online shopping"
      0.5 4.0/5 "Great!"
      SBI charges are very nominal, for the online shoppings they give best discount at Myntra website last time I purchased Clothes I got very good discounts. They gave me the limit of Rs.22,000 it should be increased, I called to increase the limit but they didn't consider.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Benefits has to be improved"
      0.5 5.0/5 "Blown Away!"
      SBI is also good and which has the highest limit compared to my other cards. They need to provide more benefits to the customer. They are charging annual fee of Rs.500. Its a Simply Save card and using it for around 5 years. The customer service is very good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been using this credit card for the last two years where i am satisfied with the services which they had provided to me so far. I am quite happy with the credit limit with this card and there is some offers like reward points and cash backs with this card as well. The card has been having some annual charges as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      I bank with State Bank of India for the credit card. The customer support is good and they are responsive too. The online banking is also good, I can make my payments with ease. There are good deals and the bank has also offered me a good credit limit of 2.25 Lakh.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
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