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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    Federal Bank SBI Credit Card

    Fees & Charges

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    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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
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  • Federal Bank SBI Credit Card Reviews

    • SBI Cards Credit Card
      "Looking for better feature"
      0.5 2.5/5 "Just OK"
      SBI taking too many charges for the credit card, example If I have a credit limit of Rs.50, if I use upto Rs. 49,000. SBI taking some over limit charges. Many times I raised the complain to waiver off the charges its very bad. Points are good in SBI for the transaction, for every spent of 100 points, I would be getting two points.
      Was this review helpful? 1
      , chennai
      Reviewed on Jun 27, 2017
    • SBI Cards Credit Card
      "Charges should be minimal"
      0.5 3.0/5 "Satisfactory"
      SBI charged 3000 rupees for joining for platinum credit card, but they provided 3000 cash back. I could use it in yatra.com or shopper stop. SBI customer service is good, they provide what I need but they are not proactive. They never call to the customer to inform about new offers. SBI payment gate is very difficult, last month I paid NEFT payment on last day, it got reflected after 2 days for that SBI charged around Rs.2400 on my bill.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 27, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 3.5/5 "Pretty good"
      There is a balance transfer feature on my SBI credit card and that benefit what they provide is also good. There is a processing fee of Rs. 450 for every 30K. The statements are on time and there is a annual charges of 499. The offers and credit limit is provided by them is good and it is very much satisfactory too.
      Was this review helpful? 0
      , faizabad
      Reviewed on Jun 25, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding this SBI credit card for more than three years of time and the credit limit value is also a good one . Response is also a good one till now and the offers are not really good one with them also I would like to say it is not an attractive one.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 24, 2017
    • SBI Cards Credit Card
      "Very Good"
      0.5 5.0/5 "Blown Away!"
      I would like to say SBI credit card is the best one for me because they have provided me with the lot of option and benefits to the customer. Its an excellent credit card and they have provided the ccredit limit value ,which is also a good one for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 24, 2017
    • SBI Cards Credit Card
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      SBI is excellent on the credit card, there are EMI facilities which are very convenient as there are a lot of flexible options. The customer support is good and the credit limit is good on my card. My card is accepted all over online and offline.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Jun 24, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I have got a SBI platinum card last month and I have made a purchase of a mobile phone. The service with SBI credit card is really good. The rate of interest is nominal with this card. I am happy about the credit limit. The customer service and the response with SBI is good. I am happy to use this S BI platinum credit card.
      Was this review helpful? 2
      , chennai
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      SBI simply click card has got reward points scheme, online offers and I getting a better discounts on online purchases too. Also fuel surcharge waiver is applicable on this card but I have not used it though. I am very much happy with the credit limit which was offered on this card. The turn around time taken to pay my credit card bill was around 45 days. I can also make the payment through SBI online portal. Annual fee on this card is rs 500.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Be more proactive"
      0.5 4.0/5 "Great!"
      I hold a credit card of State bank of India and there are offers on the card but they also charge me very high . I do not get any waiver on the charges as well. The are no coupons for it too. The services also need improvement, they need to be more quick too when it comes to service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Scope for improvement"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is the one, am using from the last two years of time. Credit limit value could be get improvised like its really not beneficial for me. Whole scenario was not really made me to get satisfied about the process, also they used to take much time to resolve any issues.
      Was this review helpful? 0
      , guwahati
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I availed chargeable credit card from State bank of India. The annual charges are 500 rupees. Also the credit limit offered by the bank is pretty good and satisfactory according to the requirement. I do receive reward points and cash back offers from the bank.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Convenient to Use"
      0.5 5.0/5 "Blown Away!"
      The annual charges for the SBI card is 500 rupees. I use this card for shopping and entertainment. The credit limit is not much satisfactory. I never faced any issues with the bank in terms of the credit card usage. The bank is prompt in providing reward points on my card.
      Was this review helpful? 0
      , indore
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      SBI has been very much responsive after I applied for a credit card. They were calling me on time and collected my details as well. The process is on and I am happy that they value a customer and are showing interest in the application. Overall it has been a nice experience with this bank.
      Was this review helpful? 0
      , salem
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good pocket money card"
      0.5 4.0/5 "Great!"
      I got SBI simply save credit card, they have provided only Rs.21,000 as credit limit. But it is fine for basic needs and at the time of my SBI credit card activation, I got 2000 reward points its good. SBI giving some cash back offers for online shopping.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for past one and a half years. The credit limit offered by the bank is satisfactory. SBI offered a life time free credit card which is very comfortable for the usage. I do have reward points and cash back offers on my credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 21, 2017
    • SBI Cards Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      I received life time free credit card from State bank of India. When it comes to credit limit, earlier I was not happy but nowadays I hold other bank credit card so I do not have any issues with the credit limit offered by SBI. I am quite happy with the services.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jun 21, 2017
    • SBI Cards Credit Card
      "Looking for better service"
      0.5 3.0/5 "Satisfactory"
      SBI is not offering anything and not easy to contact their staff for any queries. All service of SBI is complicated to use. They should improve on their service part and response part. SBI credit limit is good, they offered Rs. 60,000. I am using it for two years.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I would like to say SBI credit card because their process is very smooth, also there is no specific hidden charges with them. I had been with them from the last five to six years of time. My payments are really on time, so I have not faced any troubles with them till date.
      Was this review helpful? 1
      , new delhi
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Good Process"
      0.5 5.0/5 "Blown Away!"
      State bank of India voluntarily offered credit card for me. I had received a call from SBI once and they inquired whether I have credit card with any other bank, post which they immediately offered the card based on my other bank card. The limit is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      For almost 7 months I am using SBI platinum card. I get benefits like reward points, cash back offers and fuel surcharge waiver but I don't redeem it. I use this card to fill the fuel and to pay for the restaurant bills. I am happy about the credit limit. I am satisfied using this SBI Platinum credit card.
      Was this review helpful? 0
      , udaipur
      Reviewed on Jun 20, 2017
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