Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    Federal Bank SBI Platinum Credit Card

    An exuberant lifestyle awaits you when you avail a Federal Bank SBI Platinum Credit Card. Offered as co-branded card from State Bank of India and Federal Bank, the bar is set quite high with this card offering exceptional lifestyle privileges to customers. As Platinum members of SBI, users can enjoy access to super luxury airport lounges and discounts at various top retail outlets in India. The Federal Bank SBI Platinum Credit Card is packed with additional features like easy payments, extended credit options, balance transfer, e-statements and much more.

    Benefits of a Federal Bank SBI Platinum Credit Card:

    State Bank of India offer various benefits to Federal Bank SBI Platinum Credit Card holders as given below -

    True Lifestyle:
    • Get 5X rewards points for expenses incurred at departmental stores, dining outlets and international transactions.
    • Earn 10 rewards points for every Rs 100 spent at departmental stores, restaurants and international merchant outlets. Get 2 rewards points for every Rs 100 spent on all other purchases.
    • Rewards points accrued on a Federal Bank SBI Platinum Credit Card can be used to pay outstanding balance or can be redeemed for gifts from SBI’s reward catalogue.
    • Using the True Lifestyle program, customers can also enjoy access to 200 plus golf courses around the globe.
    True Lounge Access:

    As Platinum card holders, SBI provides complimentary membership under the Elite Priority Pass program. Members can enjoy Super Luxury access to over 600 Airport Lounges at 300 cities around the world.

    The Visa Airport Lounge Access Program also offers two complimentary access per quarter to airport lounges in India and abroad with a host of privileges and benefits. The membership to the priority pass program is given free of cost, but for visits to Priority Pass member loungers, SBI charges a usage fee of up to US$27 to the Federal Bank SBI Platinum Credit Card.

    True Value Offers:

    Every transaction done using the Federal Bank SBI Platinum Credit Card rewards customers with exciting gifts and offers. As a welcome gift, State Bank of India gives new customers gift vouchers for a value of Rs 3000.

    For credit card spends of Rs 4 lakhs or Rs 5 lakhs in one year, customers can earn gift vouchers for a value of Rs 3000 or a full-fare one-way domestic flight ticket. The air tickets are offered in partnership with Indigo Airlines.

    As an anniversary gift, State Bank of India gives apparel vouchers for a value of Rs 3000 after renewal. The customer should also have made spends greater than Rs 2 lakhs to avail this offer. SBI has partnered with Raymond's, Shoppers Stop, Lifestyle and Jabong.com to offer apparel vouchers.

    True Rewards:

    Federal Bank SBI Platinum Credit Card holders can earn up to 40,000 rewards points at the rate of 5X within one calendar year.

    Fraud Liability Cover:

    Card holders can get complimentary Fraud Liability insurance of up to Rs. 1, 00,000, with coverage for up to 48 hours prior to reporting of loss of card.

    Features of a Federal Bank SBI Platinum Credit Card:

    Worldwide Cash Access - Federal Bank SBI Platinum Credit Card holders can enjoy access to over 1 million Visa ATMs across the world and over 18, 000 Visa ATMs in India for making cash withdrawals. Customers can also use the wide network of SBI ATMs in India to withdraw cash.

    E-statements - Customers can get password protected PDF credit card statements delivered to their emails. The monthly statements sent will give customers 24/7 access to track their credit card spends.

    SMS Alerts - Card holders can get mini statements, credit card updates, payments confirmations, cash limits and credit limits on their mobile phones using SBI’s SMS Alerts service. This service can be activated by calling the SBI Card Helpline or by visiting the SBI Card portal.

    SBI Card online - Users can make easy online bill payments, check monthly statements, change personal information and locate the nearest SBI ATM using the SBI Card web portal.

    Freedom from Fuel Surcharge - Any fuel transaction done between Rs 500 and Rs 4000 on a Federal Bank SBI Platinum Credit Card is eligible for a fuel surcharge waiver of 2.5% at any petrol bunk across the world. Refuelling can be done with diesel, petrol and other lubricants without any extra transaction fees.

    Easy Bill Payments - Customers can avail the Easy Bill Pay Facility provided by SBI to pay their utility bills like mobile, electricity, telephone and even insurance. With the service being offered free of cost, users can set standing instructions to make payment every month or can contact the SBI Card Helpline to make instant payments.

    Flexipay - High value credit card transactions can be efficiently managed and repaid using the Flexipay facility with offers different plans to make easy monthly installments. This service can be activated by customers by calling the SBI Card Helpline within 30 days of the purchase.

    Balance Transfer - Transfers outstanding balances from other bank credit cards to a Federal Bank SBI Platinum Credit Card at low interest rates. Customers can choose any plan that suits them, by getting in touch with the SBI Card Helpline. For activating this facility, the minimum amount transferred should be Rs 5000 or up to a maximum of 75% of the credit limit available on the Federal Bank SBI Platinum Credit Card, whichever amount is higher. SBI would also charge an additional processing fee, accordingly.

    Easy Money - Federal Bank SBI Platinum Credit Card users can avail a bank draft to get instant funds for personal use through the Easy Money facility. The amount in the draft would be charged directly to the customer’s credit card.

    Credit Facility - Enjoy flexibility of bill payments with the extended credit facility offered by State Bank of India. Customers can choose to pay an amount ranging between the minimum amount due and the total outstanding amount, according to their monthly statements. The remaining balance can be carried forward at low finance charges.

    Railway ticket booking on IRCTC - Registered IRCTC users can use their Federal Bank SBI Platinum Credit Cards to book railway tickets on irctc.co.in via the Visa payment gateway and have them delivered at their doorsteps.

    Worldwide Usage - The host of privileges offered by the Federal Bank SBI Platinum Credit Card can be enjoyed at over two million Visa merchant outlets across the world and 2, 85,000 Visa merchant outlets across India.

    Add-on Cards - Primary card holders can avail add-on cards for their family members like parents, spouse, children and siblings above the age of 18.

    Emergency Card Replacement Services - State Bank of India offers card replacement services for requests placed from any corner of the globe. For getting emergency replacements while travelling, customers need to contact the 24/7 Visa credit card Helpline Toll Free Number. If the customer is India, then the SBI Card Helpline can be contacted.

    Documents required:

    • PAN card
    • Identity proofs (Any one) -
      • Passport
      • Driving License
      • Voter’s ID
      • PAN card
      • UID Aadhar Number

    Eligibility:

    State Bank of India approves cards for individuals who meet the required income eligibility criteria, when they apply for a Federal Bank SBI Platinum Credit Card.

    Fees & Charges:

    Annual Fee Rs 2,999
    Joining Fee Rs 2,999
    Add-on Fee (per annum) Nil
    Extended Credit - Interest Free Credit Period 20 to 50 days (only for retail purchases, if the previous outstanding balance has been paid in full)
    Extended Credit - Minimum Amount Due 5% of the total outstanding amount or a minimum of Rs 200
    Extended Credit - Charges Up to 3.35% for a month
    Free Credit Period Nil
    Cash Advance limit Up to 80% of the set credit limit (Up to 15,000 per day for Platinum Cards)
    Late Payment Charges SBI does not charge any fee for outstanding amounts of up to Rs 200. For amounts above Rs 200, the banks charges late payment fees ranging from Rs 100 to Rs 750, depending on the outstanding amount.
    Cash Advance fee - SBI or other domestic ATMs 2.5% of the withdrawal amount or a minimum of Rs 300/- for one transaction
    Cash Advance fee - International ATMs 3% of the withdrawal amount or a minimum of Rs 300/- for one transaction

    Federal Bank SBI Platinum Credit Card FAQs:

    1. Does State Bank of India charge any fee for emergency card replacements done while travelling outside India?

      No, SBI does not charge any fee for card replacements done, when the customer is abroad.

    2. Can accrued rewards points be used to pay outstanding credit card bills?

      Yes, SBI customers can use their rewards points to make credit card payments.

    3. Is there a payment criteria to be met to avail anniversary gifs from SBI?

      Yes, customers should have made annual spend greater than Rs 2 lakhs to be eligible for an anniversary gift.

    4. Can the apparel vouchers be used at any retail outlet in India?

      No, the vouchers are issued by SBI in collaboration with Lifestyle, Shopper’s Stop, Raymond’s and Jabong.com and can be redeemed only at these outlets.

    5. What are the privileges offered under the Visa Airport Lounge Access Program?

      Federal Bank SBI Platinum Credit Card holders can enjoy complimentary food and beverages, Wi-Fi, shower facilities, spa services and massage service while visiting any Visa Airport Lounge.

    Federal Bank SBI Platinum Credit Card Reviews

    • 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
    • SBI Cards Credit Card
      "Good offers "
      0.5 3.0/5 "Satisfactory"
      I hold a SBI credit card with a limit of 1.30 lakhs I have been using the card for more than two yearsIs a zero fees card.Best cash back offers are given for online shopping up to 5-10%.i got an offer to upgrade my card however am happy with the current limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
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