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    1st Year Fee
    Rewards
    Joining Perks
    499
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    Federal Bank SBI Credit Card is Rated as "Blown Away!" by 1 Users
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    Federal Bank SBI Credit Card

    There is nothing like the joys of a simple life and now experience these benefits and more with the Federal Bank SBI Credit Card. This co-branded credit card is brought to customers exclusively by SBI and Federal Bank, both synonymous with trust and advantages. Enter a world filled with benefits and programs such as the Shop & Smile Program which provides customers with Reward Points that can then be redeemed for some fantastic gifts. The Federal Bank SBI Credit Card is diverse and can be used for a variety of needs such as fuel, shopping and others. In short, this is a card that is a necessity for everyone.

    Benefits of the Federal Bank SBI Credit Card:

    Reward Points:

    Customers using the Federal Bank SBI Credit Card, can earn 1 Reward Point for every Rs. 100 that they spend. These Reward points can then be used for a variety of purposes such as to pay the balance that is outstanding on their credit card or these points can also be used to purchase a wide range of fabulous gifts based on the options given in the Rewards Catalogue. A point to be kept in mind is that this program is not applicable on balance and cash transfers and also fuel transactions.

    2.5% Value Back:

    Thanks to the accelerated reward points, Federal Bank SBI Credit Cardholders can now receive a Value Back of a maximum 2.5% which is 10 Reward points for every Rs. 100 spent on purchases such as grocery or in the departmental stores.

    Fuel Freedom:

    Users can now save money on petrol as they do not have pay the 2.5% fuel surcharge each time they use their Federal Bank SBI Credit Card to purchase fuel.

    Welcome Offers:

    Within 30 days of customers receiving their Federal Bank SBI Credit Cards, if the card is used to withdraw cash, then customers stand to receive a cashback of Rs. 100 on their first ATM withdrawal. Apart from this, Federal Bank SBI Credit Cardholders also receive 2000 Bonus Rewards Points on their very first spend.

    Features of the Federal Bank SBI Credit Card:

    Acceptance worldwide:

    The Federal Bank SBI Credit Card is internationally accepted and can be used worldwide at over 24 million outlets including around 3 lakh outlets within India itself. Customers need to only look for the MasterCard or Visa acceptance sign and then use their cards for payment.

    Credit Facility:

    Federal Bank SBI Credit Card users can avail the option of flexible payment through their card. The extended credit option allows them to make their payments that are outstanding. Any amount between the minimum due amount and the total amount outstanding can be paid. This is as per the amount given in their Monthly Statement and this unpaid balance can then be pushed forward at very low interest charges.

    Add - on Cards:

    Providing enhanced power, customers of the Federal Bank SBI Credit Card can now apply for add-on cards for their spouse, children who are above the age of the 18 and their parents. This enables customers to take care of all the needs of their family with some of the best offers that is available on credit cards.

    No Surcharge on Fuel:

    One of the best benefits of procuring the Federal Bank SBI Credit Card is that customers need to pay fuel surcharge when using their card to purchase lubricants, petrol or diesel at all petrol pumps. To avail this option, Federal Bank SBI Credit Cardholders will have to purchase Rs. 500 - Rs. 3000 worth of fuel during every transaction.

    Cash on the go:

    Federal Bank SBI Credit Card users have the option of withdrawing cash from over a million ATMs that are affiliated to either MasterCard or Visa all over the world and this also includes 18,000 ATMs within India.

    Booking Railway Tickets Online:

    Customers can now book their railway tickets online on the IRCTC website through their Federal Bank SBI Credit Card.

    Facility for Utility Bill Payment:

    Federal Bank SBI Credit Card users can now avail the Easy Bill Pay facility on their card and pay all their utility bills such as telephone, insurance, electricity bill well before the due date.

    Peace of Mind:

    Security is given utmost priority and Federal Bank SBI Credit Cardholders can be rest assured about the same with regards to their card. The SBI Card Customer Helpline is available 24 hours and the Visa/MasterCard Global Customer Assistance Services are present world over and can be contacted in the case of any emergency.

    Transfer of Balance:

    Customers can now save money as and when they pay the dues of their credit card. Through their Federal Bank SBI Credit Card they can transfer the outstanding amount from other credit cards to their Federal Bank SBI Credit Cards at very low interest rates.

    Flexipay:

    Through the option of Flexipay, customers can purchase items of their choice and repay for the same as quick and simple installments monthly. Whichever plan is best suited to their financial requirement can be chosen and procured at low interest rates. Customers would have to place a call to the Helpline within 30 days of their purchase.

    Easy Money Facility:

    Federal Bank SBI Credit Cardholders, by calling the local SBI Card Customer Helpline can order bank drafts at any given time and the draft amount will be billed to the customer’s Federal Bank SBI Card and this is useful for the payment of many different bills, fees, taxes and others. Further details can be sought by calling the SBI Card Helpline.

    E-Statement: Federal Bank SBI credit Card customers can now receive their monthly statements directly to their email allowing them to avoid the hassle of lost or late payments. Customers have access to this 24 hours on all days of the week, globally.

    SBI Card Alerts: Information about the credit card status can now be received as an SMS. Customers of the Federal Bank SBI Credit Card can now subscribe to these alerts that include cheque alerts, cash and credit limit alerts, mini statement alerts and payment assistance alerts. To subscribe, customers need to visit the SBI Card website or call their local SBI Card Customer Helpline.

    SBI Card Online: Users can now manage their Federal Bank SBI Card accounts online. They can check their statements, locate the closest SBI affiliated ATM, request for an address change, pay bills or even win fantastic prizes. To avail this feature, customers need to log onto the SBI card website and utilize these benefits.

    Drop Box Locator: Federal Bank SBI Credit cardholders can also find out the location of the closest SBI Card Drop Box through a quick SMS.

    Documentation and Eligibility for Federal Bank SBI Credit Card:

    Documents Required:
    • PAN card
    • ID proofs (Anyone) -
      • Passport
      • UID Aadhaar No.
      • Driving License
      • Voter’s ID

    Eligibility:

    The eligibility for procuring a Federal Bank SBI Credit Card is decided based on the applicant’s income and employment, among other factors.

    Fees and Charges:

    A one-time Joining Fee Rs. 499. Customers also receive Rs. 500 worth Reward Points which are 2000 in number on their first spend which in turn makes the card free for the first year. Additional terms and conditions apply.
    Annual Fee Rs. 499. If annual purchases amount to more than Rs. 90000 then customers receive a waiver on their annual membership fee for the following year.
    Add-on Fee per annum Nil
    Extended credit - Interest Free Period A period of 20 to 50 days and is applicable on retails spends only if the outstanding balance amount from the previous month is paid completely
    Extended credit - Finance Charges Up to 40.2% per annum or 3.35% per month from the date of transaction
    Extended credit - Minimum Amount Due A minimum of Rs. 200 or 5% of the Total amount outstanding along with Government Service Tax and in case of loans, including EMI
    Cash Advance Limit A maximum of 80% of the credit limit.For Gold Card users, up to Rs. 12000 per day and for Platinum or Signature Card users, up to Rs. 15000.
    Cash Advance - Free Credit Period Nil
    Cash Advance - Finance Charges A maximum of 3.35% per month or 40.2% per annum from the date of transaction.
    Cash Advance Fees - State Bank of India ATMs and other Domestic ATMs Rs. 300 or 2.5% of the amount withdrawn, for each transaction
    International ATMs Rs. 300 or 3% of the the amount withdrawn, for every transaction
    Cheque Pickup Rs. 90
    Statement Retrieval If over 2 months, then Rs. 100 for each statement
    Chargeslip Request For each chargeslip, Rs. 225 is charged
    Overlimit A minimum of Rs. 500 or 2.5% of the overlimit amount
    Rewards Redemption Fee Rs 99
    Cheque Pickup Rs. 90
    Cash OTC fee Rs. 100
    Replacing the card Rs. 100
    Surcharge - Railway Ticket at the counter Rs. 30 plus 2.5% of the transaction amount

    Federal Bank SBI Credit Card FAQs:

    1. Is there a joining fee charged while procuring the Federal bank SBI Credit Card?

      Yes, there is a one-time joining fee, a maximum of Rs. 499 that is charged. Customers can also receive Rs. 500 worth Reward Points which are 2000 in number on their first spend which in turn makes the card free for the first year. Additional terms and conditions apply.

    2. How can customers book a railway ticket online using their Federal Bank SBI Credit Cards?

      Customers can now book their railway tickets online in the following simple steps -

      • Users have to first register on the IRCTC website, which is free of cost
      • They have to log in to their account by providing their username and password
      • After following the instructions given on the website, users can then book the tickets
      • Payment can then be made through the SBI Card via either of the two gateways provided, both of which accept all MasterCards.

      Users should also take note that the IRCTC website’s terms and conditions governs all transactions made through the website.

    3. How can users locate the closest SBI Card Drop Box?

      Users need to type in “PIN” followed by a and their 6 digit pin code and send an SMS to SBI, following which they will receive the list of drop boxes in their locality.

    4. What is the order of settlement of payment?

      The first is the minimum amount that is due and this includes GST and EMI payable on the loan in addition to 5% of the total outstanding. This is then followed by the fees and other charges, interest charge, outstanding balance transfer, retail outstanding and then finally the cash advance amount.

    5. Is there any fee charged on late payment?

      Yes, fee is charged based on the total amount that is due. The table below gives further details.

      Total Amount Due Fee Charged
      < Rs. 200 Nil
      Rs. 201 - Rs. 500 Rs. 100
      Rs. 501 - Rs. 1000 Rs. 200
      Rs. 1001 - Rs. 10,000 Rs. 500
      > Rs. 10000 Rs. 750

    Federal Bank SBI Credit Card Reviews

    • SBI Cards Credit Card
      "Very good offers"
      0.5 4.0/5 "Great!"
      I hold a another credit card with SBI. There is a limit of 1.76 Lakh. It is a simply click credit card and if I spend 90K on a yearly basis the charges are waived off. It is of 499 plus tax. There are offers on Shop clues and flip kart and Amazon. There are cash back 5 to 10%. I also get 10 points on Amazon. The points can be used for amazon gift card and clear trip. I can also use the points on book my show too. The value of one point is 0.25paisa.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      SBI credit card has nominal yearly fee around Rs. 499, I got bonus points around 2000 I spent more than Rs. 20,000. SBI gives lots of offers on shopping, swiping etc, credit card is convenient to use. But credit limit is low compared to other banks.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Must enhance limit"
      0.5 4.0/5 "Great!"
      Though the process is good with SBI for the FBB styleup credit card and I got it on time. The credit limit is only of 10K and the reason is because I already have another credit card with the bank with a higher limit. There are charges of 600 I am not having much of offers too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Need to work on the updates"
      0.5 3.0/5 "Satisfactory"
      There is no difficulties with SBI for the credit card. I cleared my payments and still showing there is due amount. They have not updated my payment. Else it is okay. The credit limit is okay. It is a Chargeable card of Rs499. I got it within 4 or 5 days.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Customer service should be improved"
      0.5 4.0/5 "Great!"
      SBI is also new card, one month back only I have availed that card. I approached directly bank to avail the card, there was very documentation because I am an existing customer of the bank. So I though to have credit card from existing bank to make convenient transaction.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Good for Shopping"
      0.5 4.0/5 "Great!"
      I have FBB credit card, they give good offers on big bazaar for any shopping like clothes and accessories, I do get discount upto 10% on shoppings. For Rs.1000 purchase they give flat 10% discounts. Overall its a good card for the shopping purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      It is a good process with State Bank of India and on time as well for the simply save credit card. Everything is fine about the card and the limit as well. There are all the offers available and it has been good overall. I am not sure on the annual charges.
      Was this review helpful? 0
      , jaipur
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Customer service should be improved"
      0.5 3.0/5 "Satisfactory"
      SBI customer care is not satisfactory, they wont respond to the customer queries. But the credit card has good offers, If I purchase any grocery, any products they are providing good points based on the transaction. Even the credit limit is nominal around Rs. 80,000.
      Was this review helpful? 0
      , kolkata
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average Credit Card"
      0.5 3.5/5 "Pretty good"
      I can login from anywhere for this Credit Card, they have this facility which is not available in my other card. I can directly go to their bank account and make payment from other bank account also. One drawback of the card is that they said the Card to card transaction was available but it is curtailed to type of card that you are using. One can only transfer money from Visa to Visa or Master to Master card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "So far so good"
      0.5 5.0/5 "Blown Away!"
      The SBI prime credit card is so far good. I used the card for 50k in the first month itself and when ever I used it, the experience was good and no hassles. The credit limit was sanctioned as required, it is of 4.40 Lakh . The first year it is a free card and after which there are charges of 3K.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been banking with SBI for last one year,the limit on the card is 22,000,they have not increased the limit as I am expecting more.The customer service is not up to the mark.I would say this card is not useful at all the features are not good.They had given Capital first card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Good. Charges can be reduced"
      0.5 4.0/5 "Great!"
      I hold a simply click credit card with SBI. The documentation was taken on time and the card was dispatched on time too. The limit is not up to the mark, but it is fine. They have offered me 80K. It could have been better. There are charges for the card. There are cash back offers and rewards and also the surcharge on fuel is waived off.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Unhappy with the services"
      0.5 2.0/5 "Expected more"
      State Bank of India is not up to the mark. I hold a credit card. The services are also not okay too. They would not answer to the query I ask and would respond something else. So I keep this card as the last option. They also charge a lot when compared to the other banks,
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I had applied for a SBI IRCTC credit cad but I have got the SBI SIMPLY SAVE CREDIT CARD from SBI, The service need to be transparent from the State bank of India. The product which I have choose I haven't got it from the state bank of India. The credit limit value is average with the SBI SIMPLY SAVE CREDIT CARD.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Satisfied with SBI credit card"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI with a limit of 2 lakhs. I am satisfied with the limit. I have received cash back and reward points with the card. There is an annual charge of 499 is there with the card.I am comfortable with the mobile banking with the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average Experience"
      0.5 3.0/5 "Satisfactory"
      I have a Simply Save Credit Card from SBI. It's a good card to hold on too. I haven't used the Card that much though. They have offered me a low Limit of Rs.45000 in it. Customer care was proper, not that great though. The card is a Annually free card.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with State bank of India credit card department. I feel the rate of interest and charges is fine with State bank of India credit card team. It is really hard to redeem the reward points and only way to redeem the reward points is booking the train tickets specifically in the Ac coach through my Sbi Irctc credit card department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      The customer support is good with Sbi credit card department. They offer me with credit limit of 60k but they expected 1 lakh. The documents have been collected from my door step which is a smooth process. It is a good experience with Sbi credit card department.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Best banking"
      0.5 5.0/5 "Blown Away!"
      I am holding a credit card of SBI ,the limit on the card is 45,000, I had been using this card for last one year.No offers were give till date,i make payments. The card type is SBI prime.I have an EMI options on this card.Bankers do give prompt response.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I got the SBI SIMPLY CLICK CREDIT CARD around 8 months ago. The customer support service is below average with the State bank of India, they are not giving proper response to the customers and they are not fulfilling the customer's requirement. I am satisfied with the credit limit value.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 20, 2018
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