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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"
      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? 2
      , ramanathapuram
      Reviewed on Oct 11, 2019
    • review
      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? 0
      , 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? 0
      , 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? 0
      , 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? 1
      , 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? 0
      , 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? 9
      , bangalore
      Reviewed on Aug 26, 2019
    • review Credit Card
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      I had a State Bank of India credit card. I used that card for almost 4 years. I deactivated the card because credit limit was very very low. My credit limit was only 10 thousand. I had to pay annual fee Rs. 500. I am not satisfied with their customer service.
      Was this review helpful? 10
      , hyderabad
      Reviewed on Aug 26, 2019
    • review Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from last one month, so it has very good shopping offers through online purchase. Even I do have cash back offers and reward points offer based on the transactions but they did not generate my first month credit card statement.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 24, 2019
    • review Credit Card
      "Hosume"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of India simple save credit card past 6 months ago .The Annual charger Rs 499. . While documents submitted though on line . There is no delay while received credit card , sufficient limit is provide from banker end , Customer service is good and responsive.All notification email and message from banker end. While transaction through on line i will receive rewards point and cash back offer.
      Was this review helpful? 1
      , kolkata
      Reviewed on Aug 17, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using a State Bank of India credit card. Credit limit is nominal and annual fee is Rs. 499. I have been using this card over 7 years. SBI customer service is very helpful and responsive. Their mobile application is user friendly and bill payment is very simple and easy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 17, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of india simply save credit card using through past 2 years ago .The Annual charger is applicable, sufficient limit is provide.while document submitted through executive . There is no delay credit card. Customer service is good, EMI option is applicable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2019
    • review Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am holding a State Bank of India credit card. Their customer care is very helpful, they had provided clear information. I have been using this card for the last 5 years. Features of this card are really good. There is good offer but credit limit is very low.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have a State Bank of India credit card. My credit limit is Rs. 55 thousnd, they have not increased the credit limit much. I have been using this credit card over 2 years. Annual fee is Rs. 500. Their customer service is very good. Bill payment is very easy.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have been using State Bank of India Credit card. I got the card on time. Credit limit is nominal but there is annual fee of Rs. 499. I have been using this credit card more than two years. I am getting reward points and cashback offers. Bill payment is very easy.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Very good "
      0.5 4.0/5 "Great!"
      I have selected simply save credit card past 3 months ago The Annual Rs 499. Balance transfer option is applicable, while transaction through online i will receive rewards points and cash back offer through on line 10 percentage cash back , customer service is good and responsive , limit is sufficient is provide from banker end.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Not Satisfied"
      0.5 1.0/5 "Really Bad"
      I have a State Bank of India Bharat Petroleum credit card. I have been using this card over the last 2.5 years. I am quite satisfied with the revert point system for refilling fuel. Other than reward points other features are good. Credit limit is also enough.
      Was this review helpful? 2
      , new delhi
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding a State Bank of India Platinum credit card. I have been using this card for the last 3 years. Credit limit is Rs. 65 thousand. The features are good and I am getting good offers. Bill payment is very easy their customer care is very responsive.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have a State Bank of India credit card. I have been using this card almost 4 months. I had received the card on time. Credit limit is nominal but annual fee is Rs. 6000. It's BPCL card and they are charging for refilling petrol. SBI customer service is good.
      Was this review helpful? 2
      , pune
      Reviewed on Aug 16, 2019
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