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

    • 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? 0
      , 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
    • SBI Cards Credit Card
      "Good Bank"
      0.5 5.0/5 "Blown Away!"
      I do hold SBI platinum credit card. The annual fee is 3000 rupees. This card is very much useful for the usage and I am getting reward points and cash back offers as well. The customer service is good. If I face any issues, the bank is immediately sorting out.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I hold a credit card of State Bank of India and the services are good. They are doing well in the offers and the credit limit. The offers online at Ecommerce portals are the best as there are a lot of discounts to avail. The rewards are also useful.
      Was this review helpful? 0
      , pune
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have no account with this bank but still they have offered me the card., I got a credit card from them which is a life time free card. I have cash back offers on my card also they credit reward points often but I was not having any idea about it, it was long back right. The credit limit is satisfactory and enough according to my usage.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      State Bank of India has been perfect in providing me with the offers on my credit card. The customer services are also good and they are responsive when I contact them over phone. There are cash back deals often and also discounts as well. I am happy using it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Flexiblity"
      0.5 4.0/5 "Great!"
      I would like to say SBI credit card is the best one because of their services and reward points, also I can operate this card in easy to way, also I used to get some discounts and regular offers are available while making the payments. I used to cash on card offers and other things.
      Was this review helpful? 1
      , pune
      Reviewed on Jun 19, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      SBI is very good for my credit card. Every time they are sending the statement with clear picture of my usage and it is very easy for me to track my usage and the amount spent There was no hidden charges available on my credit card. I am very comfortable in holding SBI as their customer service is good. The credit limit is 1 lakh above initially it was 50k.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 18, 2017
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    Karur Vysya Bank SBI Signature Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    The Karur Vysya Bank Signature credit card is meant for those who love to live life, king size. This co-branded credit cards come with the benefits and privileges associated with Karur Vysya and SBI, two of the most respected banks in the country. This one card contains a plethora of unique benefits and features that opens doors to a luxurious lifestyle while ensuring the protection of customer’s interests.

    A private sector bank headquartered in Karur, Tamil Nadu, Karur Vysya Bank was founded in 1916. This bank is known for its many technological and digital initiatives that it undertakes and has over 600 branches. As part of its retail banking portfolio, a number of products and services are provided such as loans, credit cards, fixed deposits and so on.

    Benefits of Karur Vysya Bank SBI Signature Credit Card

    Welcome Gift

    Individuals, on availing this card, receive e-Gift vouchers worth Rs.5000 as part of their Welcome Gift from one of the following - Marks & Spencer, Bata, Hush Puppies, Yatra, Shoppers Stop, Westside. This voucher will be sent to the customer’s registered mobile number within a fortnight of receiving a receipt of request.

    Complimentary Tickets for Movies

    Customers will need to swipe their Karur Vysya Bank SBI Signature Credit Card once every month to receive Rs.500 off on BookMyShow. This transaction is applicable for a minimum of 2 tickets per booking. The maximum offer available is Rs.250 per ticket for two tickets only. Additionally, convenience fee would be applicable.

    Signature Rewards

    Customers can enjoy the benefits of receiving 5X Reward points on Grocery, Departmental stores, Dining and International Spends. For every Rs.100 spent on their Karur Vysya Bank SBI Signature Credit Card, they will receive 2 Rewards points.

    Bonus Rewards

    Customers can earn 10,000 Reward points as a bonus when they spend Rs.2 lakhs, Rs.3 lakhs or Rs.4 lakhs annually. When they spend over Rs.5 lakhs, they will earn 20,000 Reward points as a bonus.

    Concierge Service

    Customers can avail exclusive concierge services to assist them with their hotel, movie, travel and gift delivery reservations and assistance. Customers can also avail exclusive offers and discounts at leading lifestyle stores and spas.

    Access to Lounge

    Individuals, through their Karur Vysya Bank SBI Signature Credit Card, can avail a complimentary membership to Elite Priority Pass program, which costs $99. In addition to this, they can also enjoy lounge access to Visa lounges abroad and in India through the Visa Airport Lounge Access program.

    Features of Karur Vysya Bank SBI Signature Credit Card

    True Lifestyle

    Customers can avail access to over 300 golf courses throughout the world in addition to procuring 30% discount on green fee.

    Cash Anytime, Anywhere

    Individuals can withdraw cash using their Karur Vysya Bank SBI Signature Credit Card from more than a million ATMs affiliated to visa, throughout the world.

    Karur Vysya Bank SBI Signature Credit Card Online

    Customers have the option to manage their Karur Vysya Bank SBI Signature Credit Card online. They can check their monthly statements, change their address, subscribe to SMS alerts and avail other features by logging on to the SBI card website.

    Waiver of Fuel Surcharge

    Individuals can do away with paying the 2.5% fuel surcharge by charging Rs.500-Rs.4000 to their Karur Vysya Bank SBI Signature Credit Card. Rs.250 is the maximum surcharge waiver that can be availed per cycle on their credit card.

    Utility Bill Payment at No Charge

    Individuals can now pay all their utility bills without worrying about missing the due date by availing the Easy Bill Pay facility on their Karur Vysya Bank SBI Signature Credit Card. By using the Auto Bill Pay feature, customers can give instructions to ensure that payments are made on their behalf.

    Flexipay

    By using Flexipay, individuals can convert all their extravagant and expensive transactions to easy and convenient monthly installments. A plan of their convenience can be chosen.

    EMI Balance Transfer

    Customers can transfer the balance on their other bank’s credit cards to their Karur Vysya Bank SBI Signature Credit Card and procure a reduced interest rate, while having the option to pay back in convenient EMIs. In order to avail this facility, customers will have to log in to the SBI card website and login using their credentials, post which the desired option can be selected.

    Easy Money Facility

    Through this facility, individuals can avail money as and when they need it. They can procure a cheque or draft against their cash limit and have it delivered to their house.

    Railway Ticket Booking Online

    Customers can book their railway tickets online through their Karur Vysya Bank SBI Signature Credit Card. They will have to log in to the IRCTC website, login and make reservations. At the payment gateways, they can use their credit card to pay for the ticket. Individuals must note that, all transactions on this website is governed by the terms and conditions put forth by IRCTC.

    Worldwide Acceptance

    Karur Vysya Bank SBI Signature Credit Card can be utilized in over 2 million visa outlets throughout the globe and in more than 2 lakh outlets within India.

    Family Empowerment

    Customers can share the unique benefits of their Karur Vysya Bank SBI Signature Credit Card with their family. Supplementary cards can be procured for their children, spouse, siblings and parents. The supplementary cardholder must be above the age of 18.

    Emergency Replacement of Card

    In case individuals misplace or lose their Karur Vysya Bank SBI Signature Credit Card, they can get it replaced anywhere in the world by calling the helpline and emergency numbers.

    Eligibility for Karur Vysya Bank SBI Signature Credit Card

    The eligibility to procure a Karur Vysya Bank SBI Signature Credit Card will be decided based on the applicant’s profession and income, among other factors.

    Documentation Required for Karur Vysya Bank SBI Signature Credit Card

    1. PAN card
    2. ID proof (Any one) -
    • Driving License
    • UID Aadhaar No.
    • Passport
    • Voter’s ID

    Fees and Charges Applicable on Karur Vysya Bank SBI Signature Credit Card

    Annual Fee - One Time Rs.4,999
    Renewal Fee - Per Annum Rs. 4,999
    Add-on Fee per annum Nil
    Extended credit - Interest Free Period The interest free period is 20 - 50 days and is applicable on retails spends, only if the outstanding balance from the previous month has been completely paid.
    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. A maximum amount of 15000 per day.
    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 Up to Rs 99
    Fee for Card Upgrade Maximum of Rs.500
    Replacing the card Rs. 100
    Surcharge - Railway Ticket at the counter Rs. 30 plus 2.5% of the transaction amount
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