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  • SBI StyleUP Contactless Credit Card

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  • The SBI StyleUP Contactless Credit Card is a co-branded card launched by the State Bank of India in collaboration with Future Group's fashion hub, fbb offering attractive discounts on fashion merchandise at Big Bazaar and fbb stores all throughout the year as well as premier services by SBI. The credit card is powered by Visa payWave - a highly secured, contactless chip technology that minimises the waiting time at cash counters. The SBI StyleUP Contactless Credit Card comes with welcome gift vouchers, reward points, fuel surcharge waivers, add-on cards, and more.

    Benefits of SBI StyleUP Contactless Credit Card

    SBI StyleUP Contactless Credit Card cardholders can enjoy a plethora of benefits on their purchases. Listed below are the benefits that customers get to enjoy:

    • Contactless Transaction: The SBI StyleUP Contactless Credit Card gives its customers the freedom of quick and queue-less shopping. One can wave their card at any secured reader and enjoy cashless, hassle-free, and easy transaction without standing in queues at the cash counters.
    • Easy Money and Cash on the Go with Global Acceptance Facilities: Customers can avail Easy Money facility and get the cheque or bank draft against their credit limit delivered at the doorstep. Also, there are over 1 million Visa ATMs available throughout the world to withdraw cash at any time. The StyleUP Contactless credit card can be used universally in over 24 million VISA outlets as well as in over 3,25,000 outlets in India.
    • Balance Transfer on EMI: One can enjoy easy paybacks and low-interest rates on EMIs by transferring the outstanding balance on other bank's credit cards to SBI Platinum.
    • Flexipay: By logging into individual SBI account within 30 days of any purchase of Rs.2500 or more, customers can enjoy the benefits of Flexipay and for your purchase in affordable EMIs.
    • Bill payment at zero charges: SBI Card Auto Bill Payment facility helps cardholders pay their utility bills like electricity, telephone, insurance etc. so that they never miss the due dates.
    • Family Add-on Benefit: Cardholders can apply for add-on cards for the members of your family over the age limit of 18 and they, too, can enjoy the services of SBI StyleUP Contactless Card.
    • Emergency Card Replacement Facility: In case of theft or loss of the StyleUP Contactless card, while travelling overseas, one can contact 24x7 VISA helpline numbers to get their StyleUP credit card replaced at any part of the world.
    • Safe and Secured: SBI StyleUP Contactless Credit Card gives its customers the power to make transactions by waving the card at a secure reader. Since they will never hand-over the card to a third party, customers do not have to worry about fraudulence (card skimming) or theft. Visa payWave's superior security key feature can detect if and when the card is waved numerous times at the reader and allows only one transaction to go through in such cases to secure the payment process.
    • SBI Card Drop-box Locator: One can locate the nearest SBI Card drop-box by typing "PIN" 6 digit pin code of their area and sending it to 56767. A message containing the list of available drop-boxes in the area will be sent to the cardholder.

    Features of SBI StyleUP Contactless Credit Card

    • Customers will receive a sign-up gift voucher worth Rs.500 on select fashion range at fbb and Big Bazaar.
    • They can avail a round-the-year additional discount of 10% on all fashion merchandise at fbb and Big Bazaar. No minimum purchase required to avail the offer.
    • The cardholders can enjoy a guaranteed 2.5% Valueback in the means of earning 10X reward points on shopping at ffb, Big Bazaar, and Food Bazaar outlets. For each Rs.100 spent on the purchase, they will earn 1 Reward Point.
    • They can also collect 10X reward points on all dining expenses.
    • They will get 2000 bonus reward points as anniversary gift on timely payment of annual fee.
    • The customers will be able to exercise 1% fuel surcharge waiver on every transaction between Rs.500 to Rs.3000. One can avail surcharge waiver of a maximum of Rs.100 per cycle.
    • The consumers will experience fast, easy, and user-friendly transactions through Contactless cards.

    How to Collect and Redeem Reward Points

    SBI's Shop-and-Smile Reward programme is specially designed for consumers to enjoy assured value back on every purchase in terms of reward points. As a valued customer of the programme, one gets to collect reward points every time they shop and dine. For the SBI StyleUP Contactless Credit Card, every Rs.100 spent is worth 1 reward point. The cardholder can collect these points and later redeem them for various fashion and lifestyle products, gift vouchers, discount vouchers, and so on.

    Fees and Charges of SBI StyleUP Contactless Credit Card:

    A table containing information regarding the types of fees and charges with the payable amount and period limit is given below:

    Fees and Charges Amount
    Annual Fee Rs.499 plus taxes (one-time fee)
    Renewal Fee Rs.499 plus taxes per annum
    Add-on Fee Nil
    Cash advance limit Up to 80% of the total credit limit with a maximum of Rs.15,000 per day.
    Cash advance fee
    • SBI or other ATM’s - 2.5% of total amount of transaction with a minimum of Rs.300
    • International ATM’s – 3% of the total amount of transaction with a minimum of Rs.300
    Finance charges for cash advance A maximum of 3.35% per month, starting from the day of withdrawal, and accounting to 40.2% per year
    Free credit period for cash advance Nil
    Interest-free credit period on extended credit 25-50 days. Applicable only if the outstanding bill of preceding months are not due and only when the expenditure includes only retail purchases.
    Minimum amount due on extended credit 5% of the total payable amount (Minimum Rs.200 + taxes + EMI’s for EMI based products + Overlimit amount, if any)
    Cheque pickup fee Rs.90
    Statement retrieval For statements older than 2 months and more – Rs.100/statement
    Charge slip retrieval Rs.225 per slip
    Returned payment fee 2% of the net payable amount with a minimum of Rs.350
    Card Overlimit fee 2.5% of the total amount of overdraft with a minimum of Rs.500
    Reward redemption fee Up to Rs.99
    Cash Payment fee Up to Rs.100
    Card replacement fee Rs.100
    Emergency card replacement fee (while travelling overseas) Nil
    Foreign currency transaction 3.5% mark up
    Late payment fees
    • Rs.0 to Rs.200 – Nil
    • Rs.201 to Rs.500 – Rs.100
    • Rs.501 to Rs.1000 – Rs.400
    • Rs.1001 to Rs.10,000 – Rs.500
    • Rs.10,001 and above – Rs.750
    Railway surcharges
    • Tickets booked through counters – Rs.30 + 2.5% of the total amount of transaction
    • Tickets booked through irctc.co.in – 1.8% of the amount of transaction + service tax, as applicable
    Payment Settlement In the order of Minimum Amount Due (including taxes as applicable + EMI (for EMI based merchandise + 5% of the total outstanding amount), Fees and additional charges, Interest charges, Cash Advance fees, Purchase and Balance Transfer Outstanding fees

    How to apply for SBI StyleUP Contactless Credit Card

    To apply for StyleUP Credit Card online, one can follow these simple steps:

    • Applicants can visit the official site of SBI.
    • Under the ‘Personal' tab one will find ‘Apply' option.
    • By clicking on ‘Apply', applicants will be redirected to a page where they can find all SBI Credit Cards.
    • By scrolling down, one can find ‘StyleUP Contactless Credit Card' option.
    • The applicants can then click on 'Apply Now'.
    • On the new page, they have to fill in your details like name, address, phone number etc. After the phone number gets verified, SBI customer care agents will be contacting the interested party shortly to further the application procedure.

    FAQs of SBI StyleUP Contactless Credit Card

    1. What are the steps to use SBI StyleUP Contactless Credit Card?
    2. After the cashier enters the bill amount, one can hold their card over the reader or point of sale and enter the pin within 4 cm range. A beep sound or green indicator lights will confirm the completion of the purchase. Customers will also see a message on display indicating successful Transaction.

    3. Can StyleUP card be used at retails that do not have a card reader?

      Yes, StyleUP cardholders can use their credit card at merchants without reader facility. In such cases, they can use the cards like any normal debit or credit card for a dip or swipe.

    4. If one walks past a reader, will the card make a transaction without the customer’s knowledge?
    5. No, unless the merchant has entered the amount of purchase with the approval of the cardholder and they have waved the card within 4 cm range for more than half a second, no money gets deducted from the account.

    6. If one possess more than one contactless credit card, will the money get debited twice from the account?
    7. No, since contactless card readers are designed to read one card at a time in case one holds more than one card it will ask the cardholder to choose the card through which they want to make the transactions.

    8. Can a customer use their StyleUP Contactless Card for ATM and other online transactions? Yes. The transaction process is similar to transactions on any other cards – for online payments, they have to enter the 3D secure pin and for ATM transactions they have to enter the ATM pin.
      

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    SBI StyleUP Contactless Credit Card Reviews

    • review Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card which was offered by Bajaj Finserv. This was a simply save card and using almost for 6 to 7 months.The credit limit was less of 30K. If it is increased it will be good to me. I am getting good reward points as well as cash back offers.Tried to redeem the reward points through online but unable to redeem that was the issue.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Feb 12, 2020
    • review
      review Credit Card
      "Fraud card"
      0.5 0.5/5 "Unacceptable"
      Fraud call comes. Information leaks from sbi card. Please avoid taking this card, I got a call from this number from 7064177052 and it knows my registered number and expiry date and which card it is. Please do not take this card if you want to avoid fraud
      Was this review helpful? 9
      , ranchi
      Reviewed on Dec 31, 2019
    • review Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card more than 2 years. From SBI they given for an annual fee chargeable card Rs. 499, but there is an option for a waiver off for a certain amount usage within a year. The limit is given for a sufficient and good. Customer service and responsiveness was good.I am getting reward points, i got 500 points still i haven't used.
      Was this review helpful? 4
      , chennai
      Reviewed on Dec 09, 2019
    • review Credit Card
      "Life time card"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI credit card for the past 6-7 months. Customer service was excellent in this bank and credit limit was good. Annual charges for this card is Rs. 500 and waiver off i am not sure but this card is very helpful for me. I am having one application and am receiving my credit card statements through that.
      Was this review helpful? 2
      , mumbai
      Reviewed on Dec 09, 2019
    • review Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have SBI credit card which was taken through Online .This card is good to use and the credit limit was ok .There are very useful cash back offers as well as reward points .There was proper callback and follow up from bank end .I have submitted the required documents through the agent .
      Was this review helpful? 1
      , meerut
      Reviewed on Dec 01, 2019
    • review Credit Card
      "Best Service"
      0.5 4.0/5 "Great!"
      I have SBI credit card which was taken through Online.I have got this credit card recently not even a week but used once.The credit limit was sufficient and this was a chargeable one .I have not checked any cash back offers as well as reward points .I am satisfied with the service.
      Was this review helpful? 1
      , bangalore
      Reviewed on Nov 30, 2019
    • review Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have taken a IRCTC SBI PLATINUM credit card. I am using this card more than 2 and half years. This is a life time free credit card. I am getting reward points for that i can book train ticket booking. Customer service and responsiveness was good.
      Was this review helpful? 2
      , bangalore
      Reviewed on Nov 29, 2019
    • review Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have SBI credit card which was taken through Online . I am satisfied with their service so far .They have provided with good credit limit, I am using this credit card for the past 3 months. It is good to use and there was no issues. I am satisfied with the service as well.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Nov 25, 2019
    • review Credit Card
      "Best for shopping"
      0.5 5.0/5 "Blown Away!"
      I have taken SBI bank credit card recently. This is a life time free card and also i am using this card for fuel purpose, some times i will do other shopping. Credit limit is okay and also this international card. Customer service and responsiveness was good.
      Was this review helpful? 1
      , salem
      Reviewed on Nov 20, 2019
    • review Credit Card
      "un supporting attatude"
      0.5 0.5/5 "Unacceptable"
      1)Pending Interaction Id :- 1-627921969192) Pending Interaction Id:- 1-640283402353) Pending Interaction Id:- 1-64685599909 I think above pending interaction ID showing your service and and you customer care capability.if any one responsible person reading this email kindly show your seniors.  I Will definitionally close my card asap because your service and commitment.
      Was this review helpful? 7
      , pune
      Reviewed on Nov 18, 2019
    • review Credit Card
      "Do not take SBI Card"
      0.5 1.0/5 "Really Bad"
      Do not Take SBI Cards. No security at all. My all details of the card got leaked from SBI and I became entrapped in money fraud. SBI is so irresponsible that they even don't take any responsibility and saying that the money to be paid by me. #Wah #SBI #Wah
      Was this review helpful? 9
      , kolkata
      Reviewed on Oct 22, 2019
    • review Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am holing a State Bank of India credit card I have been using this card for the pas 6 months. SBI's rate of interest is very low in comparison to other banks. Credit limit is also sufficient. I am getting good cashback. It's not a lifeitme free card.
      Was this review helpful? 3
      , new delhi
      Reviewed on Oct 18, 2019
    • review Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I got a credit card from State Bank of India which is Co-branch of KVB. I have been using Platinum card for about 3years. The annual fee is not applicable since am a staff of KVB. They have offered a limit of 75K and it wil be happy if they could do higher also. Am getting an offers for fuel filling and Amazon purchase which I never used it. Once I paid the payment delayed for one day, they have charged me highly.
      Was this review helpful? 7
      , ramanathapuram
      Reviewed on Oct 11, 2019
    • review Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I am using State Bank Of India credit card which was taken through Bank direclty.I am using this credit card for the past 2 years ,The credit limit was really good and it was upto 50,000.This was a free card ,customer service is really good and banking service is also good ,I have got all the required details about the card process very clearly through the agent .
      Was this review helpful? 1
      , begusarai
      Reviewed on Oct 04, 2019
    • review Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I use SBI credit card for a year, they have provided me a balance transfer option which is good. I haven't interacted with the customer support. The credit limit is decent. The annual fee is applicable of Rs.300 or 400. I am getting reward points and discounts when I am doing shopping from Big Bazaar.
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 19, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using a State Bank of India credit card. I have been using this card for the past two years. Credit limit is only 57 thousand, I was expecting at least 1.5 lakhs. it's a lifetime free credit card. Their bill payment system is very simple and easy.
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 18, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding a State Bank of India Credit card for the past 2-3 years. I am really happy with the features of this card. Credit limit is also sufficient for me. Annual fee is chargeable. There is reward points and offers. Bill payment is very easy.
      Was this review helpful? 3
      , mumbai
      Reviewed on Sep 18, 2019
    • review Credit Card
      "EMI interest should be economical"
      0.5 4.0/5 "Great!"
      SBI credit card rate of interest is huge for the emi I have been holding this card for last two years. I converted Rs.25,000 into emi for nine months of duration with the interest rate of 9.5% per annum its should be reduced as per the market. But I like this card because many offers provided by SBI especially at amazon, big bazaar shoppings.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 14, 2019
    • review Credit Card
      "Credit limit should be upgraded"
      0.5 5.0/5 "Blown Away!"
      This is a good card I am using it for last 5 to 6 years but I have concern about my SBI credit card limit though I am an existing customer they didn't increase the limit and I have good credit score as well so they should consider. But they do have airport lounge or travel bookings discounts.
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 14, 2019
    • review Credit Card
      "Not Satisfied"
      0.5 3.0/5 "Satisfactory"
      I am holding a State Bank of India credit card. I have been using this card more than 2 years. My credit limit is very less, it's only 35 thousand. Their charges are more in comparison to other banks. I am not satisfied with their customer service, very difficult to reach them.
      Was this review helpful? 14
      , bangalore
      Reviewed on Aug 26, 2019
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