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

    The SBI StyleUP Contactless Credit Card is a co-branded credit 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.

    Key Highlights of the SBI StyleUP Contactless Credit Card

    • Gift voucher of Rs.500 given on paying the joining fee.
    • Accelerated reward points on dining expenses.
    • 2,000 bonus reward points on paying the annual fee on time.
    • 1% fuel surcharge

    Benefits and Features 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:

    Welcome Benefits Gift voucher worth Rs.500 on select fashion range at fbb and Big Bazaar.
    Shopping Benefits Round-the-year additional discount of 10% on all fashion merchandise at fbb and Big Bazaar
    Reward Point Benefits
    • 10X reward points on shopping at ffb, Big Bazaar, and Food Bazaar outlets.
    • 10X reward points on all dining expenses.
    Fuel Surcharge Benefits 1% fuel surcharge waiver on every transaction between Rs.500 to Rs.3,000.
    Spend-based Benefits 2,000 bonus reward points as anniversary gift on timely payment of annual fee.
    EMI Benefits Customers can convert any purchases above Rs.2,500 into affordable EMIs.

    How to Collect and Redeem Reward Points

    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:

    Fee 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
    • If total amount due is between Rs.0 and Rs.500 - Nil.
    • Total amount due is between Rs.501 and Rs.1,000 – Rs.400.
    • Total amount due is between Rs.1,001 and Rs.10,000 – Rs.750.
    • Total amount due is between Rs.10,001 and Rs.25,000 – Rs.950.
    • Total amount due is between Rs.25,001 and Rs.50,000 – Rs.1,100
    • Total amount due is above Rs.25,000 – Rs.1,300
    Railway surcharges
    • Tickets booked through counters – Rs.30 + 2.5% of the total amount of transaction
    • Tickets booked through – 1.8% of the amount of transaction + service tax, as applicable

    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.

    SBI STYLEUP Contactless Credit Card FAQs

    1. If one possess more than one contactless credit card, will the money get debited twice from the account?

      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.

    2. 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.

    3. How can I convert my transactions into easy monthly installments with Flexipay?

      In order to convert your transactions into easy monthly installments with Flexipay, you need to make purchases worth Rs.2,500 or more and log on to within 30 days.

    4. Is the STYLEUP contactless card accepted in foreign countries?

      Yes, the STYLEUP contactless card is accepted in foreign countries. The credit card is accepted in over 24 million VISA outlets worldwide and over 3,25,000 outlets in the country.

    5. Can I withdraw cash using the STYLEUP contactless card?

      Yes, you can withdraw cash using the contactless credit card. The card works in over 1 million VISA ATMs worldwide.

    6. What is the interest free credit period applicable on retail purchases if previous month’s outstanding is fully paid?

      The interest free credit period is 20 – 50 days for retail purchases if previous month’s outstanding is paid fully.

    7. What is the maximum payment allowed for every contactless transaction?

      For every contactless transaction, the maximum payment allowed is Rs.2,000. All you need to do is simply wave the STYLEUP contactless credit card at a secured reader.


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