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 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
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I hold my salary account with State bank of India from past 5 years, their service is good, their customer care service and branch service is good, they have given me good response and patiently handle the query, as it is salary account i do not want to maintain minimum balance account.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 22, 2019
    • review Credit Card
      "Best card "
      0.5 5.0/5 "Blown Away!"
      Best card ever have i can even say fabulous because they are giving me the offers such as on online portal the have the best offers and discounts . There is no hidden charges . I got above 400000 of credit limit and what else some one need . There is annul fee with this card .
      Was this review helpful? 1
      , hyderabad
      Reviewed on Apr 12, 2019
    • review Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold STATE BANK OF INDIA , i ma using this card for past 1 year . The card has annul fee with this card but they have not given waive off option here . The services was good i receive the card on time . I am not interested in offers and till date i have not use also .
      Was this review helpful? 3
      , noida
      Reviewed on Apr 06, 2019
    • review Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I had taken the SBI credit card the annual fee is applicable for this card.I will be making the on line transactions which is very safe and secure.I can convert all my transactions into EMI and i have the balance transfer option as well.I am getting reward points and the credit limit is sufficient.
      Was this review helpful? 1
      , navi mumbai
      Reviewed on Apr 06, 2019
    • review Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I am having the credit card with the STATE BANK OF INDIA it is the chargeable credit card for yearly once but the credit limit with this card is satisfactory also the card has the good offers with the online purchase. It is comfortable card to use.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 03, 2019
    • review Credit Card
      "Need to improve in customer service"
      0.5 3.0/5 "Satisfactory"
      I am using SBI CREDIT CARD quite long time .This is a best shopping and reward card travel booking i can use this card.Annual charges for this card is Rs. 500 i am not sure about the wavier option.Customer service is not all good needs to improve in customer care.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 29, 2019
    • review Credit Card
      "Need improvement on the credit limit"
      0.5 3.0/5 "Satisfactory"
      SBI server is very good within a minute my credit card payment get updated, the reward points are very good. Redemption option is good and also the points are very worthy. The credit limit is low around Rs. 35,000 it would be great if they increased it. But its my first card but its very low.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 29, 2019
    • review Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have taken State Bank Of Credit Card through SBI agent .The SBI agent visited office and got the details of the credit card .The Credit limit is good. It is a chargeable card.There were cashback offers and reward points also there .I am happy with the Credit Card . It was a paperless process .I have not yet faced any issues. I had received the credit card on time.
      Was this review helpful? 2
      , delhi
      Reviewed on Mar 24, 2019
    • review Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied for State Bank Of India Credit Card .I have directly applied with State Bank Of India.I am using it for the past 8years.The credit limit not good i have the Credit Limit is upto 1lakh.The agent clearly explained the process .There was no cashback offers .The reward points is good .The Overall Service is Good .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 22, 2019
    • review Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have applied with State Bank Of India Credit Card . The credit limit is good and i have got credit limit is upto 80000.There was good cashback offers and reward points as well The agent clearly explained the process of Credit Card I have not yet faced any difficulties .The agent came and collected the documents and i gave my finger prints then only i got the credit card .The Overall service is Good .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • review Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I am using this State Bank Of India Credit card for the past 3years.The name of the card is platinum card.There are cash back offers and rewards points also .The credit limit is good .I got Credit Limit upto 25000only .I have not faced any issues in using this card till now ,The Overall Service is good .
      Was this review helpful? 1
      , udaipur
      Reviewed on Mar 18, 2019
    • review Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The credit limit with the STATE BANKOF INDIA credit card is very lower than the other card what i hold but the best feature with this card is there is a option of money transfer with this card. The offers are good with this card also there is a EMI option.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 18, 2019
    • review Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Iam using this State Bank Of India Credit card for the past 3 years. The name of the card is SBI Titanium .Iam getting cashback offers and reward points but not used any points till now since statying in rural area reward points are not used.Since have salary account got State Bank Of India Credit Card.
      Was this review helpful? 0
      , cuddalore
      Reviewed on Mar 18, 2019
    • review Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I have been using this credit card for the last ten years or above that, the services has been quite good. There has been a good credit limit with this card and it has some annual charges of 500 as well. Depending up on the need and offers with the card i have been using it for all purposes.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 15, 2019
    • review Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      SBI provides very good services on credit card when compared to other credit cards. I am using this credit card from last 1.5 years and there was annual fee charged for this credit card. Offers like cash backs are reward points are very good in this card. Credit limit is sufficient in SBI.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 15, 2019
    • review Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have applied for State Bank Of India Credit Card Since have salary account got this credit card , I am using this card for the past 8 months.The credit limit is good ,The credit limit is upto 54000.There are cashback offers only for fuels and reward point also there for shopping and hotels .The Overall service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 15, 2019
    • review Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using SBI Credit card for the past 5years .The credit limit is good .I got Credit limit upto 3.5 lakhs. There was cashback offers and reward points as well .I have applied the SBI Credit Card through SBI bank .The Overall service is good and satisfactoty .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 15, 2019
    • review Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      I have been holsing the credit card with the STATE BANK OF INDIA and they have offered with the satisfactory credit limit with this card added on that it has the very good offers which is satisfactory with this card. There is a EMI conversion option with this card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Mar 15, 2019
    • review Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      the credit limit with the card where i am holding it with the STATE BANK OF INDIA is very good and also i am getting the satisfactory credit limit along with that it is the free card and they offer the EMI option but not availed yet with this credit card
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 13, 2019
    • review Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      The credit limit is satisfactory with the credit card where i am using the credit card with the STATE BANK OF INDIA also the rate of interest was nominal. They have provided with goo and sufficient offers with this credit card. The customer service is good.
      Was this review helpful? 2
      , mumbai
      Reviewed on Mar 04, 2019
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