Capital First SBI Credit Card

• Team Antworks

If you love to shop and are looking for a credit card with a variety of features, then you should apply for a Capital First SBI Card. Apart from having amazing features, this card offers multiple benefits such as reward points, welcome gift, 0% fuel surcharge, etc.

Key Points:

• 10x Reward Points on all movie, dining and electronic spends.
• 2,000 bonus points as a welcome gift.
• 1 Reward Point on a spend of every Rs.100.
• 0% fuel surcharge.
• Accepted all over the world.

Benefits:

• Welcome Gift – Apply for Capital First SBI Card and spend Rs.2,000 within the first 60 days to get a welcome gift worth 2,000 bonus Reward Points.
• Reward Points – Earn 1 Reward Point on every Rs.100 that you spend using this card. Get 10 Reward Points on every Rs.100 that you spend on movies, dining and electronics.
• Fuel Surcharge – Cardholders do not have to pay any fuel surcharge when they make payments at any Indian petrol pump using this card. The offer can be availed by you if you spend a minimum of Rs.500 and up to Rs.3,000 on fuel.
• Rewards – Spend Rs.1,25,000 annually to earn 2,000 Reward Points. Apart from this, avail 2000 bonus points as anniversary gift from the second.

Features:

• Global Acceptance – Capital First SBI Card is accepted by more than 24 million stores all over world.
• Revolving Credit Facility – This card offers revolving credit facility that helps you in planning your pending payments efficiently. You can choose to pay the minimum amount due every month and carry forward the pending balance at the lowest interest rates.
• Easy Cash – You can withdraw cash using this card from more than 1 million MasterCard, Visa or SBI ATMs.
• Add-on Cards – This card allows you to apply for add-on cards for your immediate family members who are more than 18 years old.
• Railway Ticket Booking – Using this card, you can easily book railway tickets on the website of IRCTC.
• Utility Bill Payments – This card offers Easy Bill Pay Facility that allows you to easily pay all your utility bills online.
• Balance Transfer Facility – You can choose to transfer the balance of your other cards to your Capital First SBI Card at low interest rates. This will help you clear all your dues quickly and conveniently.
• 24×7 Customer Service – Cardholders can contact the SBI Card Customer Helpline at any time in case they some help related to their Capital First SBI Card.
• Flexi Pay – This card offers Flexi Pay, which is an instalment plan that allows you to purchase products and pay for them in instalments. This plan has a low rate of interest and can be initiated easily.
• Easy Money – Cardholders can order a bank draft by contacting on the SBI Card Customer Helpline number. The draft amount will be then credited to you card account, which you can use to make payments.
• Online Management – You can easily manage your Capital First SBI Card account online. To do so, you have to visit the website of SBI Card.

Fees and Charges:

Type of Fees and Charges	Amount
One time Annual Fee	Rs.499
Renewal fee	Rs.499
Add-on Card Fee	NIL
Finance charge	Up to 3.35% every month
Interest free credit period	20 to 50 days
Minimum amount due	5% of the outstanding balance
Limit on Cash Advance	Up to 80% of the credit limit. Maximum Rs.12,000 per day
Finance Charge on Cash Advance	Up to 3.35% per month
Cash Advance fee	SBI ATM or Other ATM – 2.5% of the amount transacted (Minimum – Rs.300) International ATMs – 3% of the amount transacted (Minimum – Rs.300)
Cheque Bounce Fee or invalid cheque fee	2% of the cheque dishonour amount (Minimum – Rs.350, Maximum – Rs.500)
Cheque pick up fee	Rs.90
Statement retrieval fee	Rs.100 for each statement (if the statement is 2 months old or more)
Charge slip retrieval fee	Rs.225 for each charge slip
Late payment fee	If the total amount due ranges from Rs.0 to Rs.200, then no fee is charged
	If the total amount due is more than Rs.200 and up to Rs.500, then Rs.100 is charged
	If the total amount due is more than Rs.500 and up to Rs.1,000, then Rs.400 is charged
	If the total amount due is more than Rs.1,000 and up to Rs.10,000, then Rs.500 is charged
	If the total amount due is more than Rs.10,000, then Rs.750 is charged
Overlimit fee	2.5% of the overlimit amount (Minimum – Rs.500)
Card replacement fee	Rs.100
Emergency card replacement fee (when out of India)	Actual cost of the card (Minimum $175)
Fee for transaction in foreign currency	Conversion mark-up – 3.5%
Fee for redemption of rewards	Rs.99
Fee for cash payment	Rs.100
Surcharge on railway tickets purchased at railway counters	Rs.30 plus 2.5% of the amount transacted
Surcharge on railway tickets purchased on the website of IRCTC	1.8% of the amount transacted plus service charge
Maximum fuel surcharge waiver	Rs.100 per statement cycle for each credit card account