Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 Federal Bank SBI Credit Card
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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
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      Though I have not approached State Bank of India for a loan. I bank with them for a credit card and they are doing good on the offers and the credit limit. The rewards are decent, I am able to redeem the points too. The charges are very much normal too.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 19, 2017
    • SBI Cards Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I also bank with State Bank of India for a credit card and the offers on the card is more than satisfactory. When ever I used my card there are no technical issues. There are proper rewards and the points can be redeemed too. The charges are also normal.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from last 2 months, the services provided by SBI credit card is average when compared to other credit cards. When it comes to credit limit, it is very less. They also charged Rs. 3000 as one time processing fees at the time of getting this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "SBI is better than others"
      0.5 5.0/5 "Blown Away!"
      SBI is better than HDFC Bank in terms of points. As far as SBI is concerned, one point is equal to one rupee even when i checked HDFC Bank, the bank was charging more when compared with SBI. I do get offers some offers on shopping @ big bazaar 5% cash back.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Credit card"
      0.5 5.0/5 "Blown Away!"
      To start off, I would say my SBI credit card is a special card where if we waive the card, the card would get swiped instead of swiping the card in the EDC terminal. On my SBI credit card, I was offered a balance transfer option, depending up on my credentials, I get some offers and varies accordingly. I am holding this credit card of SBI for the past 2 months.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India and the offers on the card is fine. The customer services and response is good when I reach out to them for a query. The bills are clear and there are no hidden charges.The credit limit is also to my satisfaction.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "First experience was good one"
      0.5 5.0/5 "Blown Away!"
      Initially I was sait to be offered a very good Credit limit, which actually turned not that good. The amount that was credit was around Rs.42000, this is the only reason I haven't used this card often. Apart from that the I liked the offers available in this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Good experience"
      0.5 4.0/5 "Great!"
      I have been using my State Bank of India Credit Card for the past two years. I have had a very good experience with them, the card seemed like very useful. Special mention is supposed to be given to their Customer Service. Their communication has been always good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Convenient card "
      0.5 4.0/5 "Great!"
      I am holding IRCTC SBI credit card for last three yea.rs I have not been using it frequently. Hope I get good discounts in railway ticket, whenever I use my credit card to book the tickets, they give best discount. I am happy about it, overall fine to use.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am having the SBI credit card and am using it from the last two years of time. Customer service is also fine one for me and I have not faced any claims with them . I would like to say that they are not providing the proper services to the customers.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Looking for better feature"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is comfortable but hardly I use my credit card. But they gave me satisfactory credit limit. I am holding their SBI card around two years. There is an annual charges applicable around Rs.500, they used to give some starting voucher as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "average service"
      0.5 3.0/5 "Satisfactory"
      I rarely uses my STATE BANK OF INDIA credit card service and the limit for my STATE BANK OF INDIA credit card service is 30k also the offers I wont use the offers much and I was unable to connect STATE BANK OF INDIA credit customer service much ,I would say the service of STATE BANK OF INDIA for my credit card service is average.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I can say the service from STATE BANK OF INDIA for my credit card service is good but if there is any delay in the payment they are not accepting the late payments the charges is fine and the customer service staffs are very good ,the service of STATE BANK OF INDIA is very good still for my credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The service of STATE BANK OF INDIA for my credit card service is good but the process is always slow they use to delay in processing but the rate of interest which is offered from STATE BANK OF INDIA is always lowest also the online application is use friendly .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "worst service"
      0.5 1.0/5 "Really Bad"
      The service of STATE BANK OF INDIA is not as much I expected from STATE BANK OF INDIA service,there is no proper response from their staffs and the customer service is not good and they are not providing any proper information's I am very much disappointed with the service of STATE BANK OF INDIA for my credit card service.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have been offered a credit card from State Bank of India as I'm a very long time customer with them. I have been using this State Bank of India Visa Credit card for around 1 year and everything is fine this credit card. I use this credit card for shopping, movies, dining, fuels etc. Cash back and rewards are good. There is no annual fees applied to this credit card.
      Was this review helpful? 0
      , bikaner
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 3.0/5 "Satisfactory"
      I hold the Sbi simply save credit card for past 1 year. I use this card for shopping, online purchases, and for bill payments. I am satisfied with the credit limit. There is annual fee of Rs,499 I pay towards this card. I am happy using the SBI simply save card.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      The SBI gold credit card has been used by me for more than 4 years. I use this card for shopping, household items, purchases and for bill payments. I am satisfied with the credit limit. There is no annual fee with this card. The rate of interest is high with SBI credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good for shopping offline and online"
      0.5 4.5/5 "Excellent!"
      SBI interest rate was very high, if some time I miss the payment they charge me very high and they have an annual charges around Rs.500 but they give coupons for that same amount. I generally get discount on big bazaar products, even they give upto 10% flat discounts.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "New card, require little more time"
      0.5 4.0/5 "Great!"
      I got SBI Platinum Card couple of months back and found the experience to be decent. Eventhough I have used the card much, I felt the process for taking the card was short and crisp. Generally I have a good impression about the State Bank of India's credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
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