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Virtually Life Time Free SBI Credit Card

Virtually Life Time Free SBI Credit Card

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ontherocks

I was at Big Bazaar and this CC agent informed me about SBI STYLEUP Contactless Credit Card.

  • This has a Joining Fee of Rs.500, but customer gets welcome Big Bazaar Gift Voucher covering cost of joining fee. E-Gift voucher will be sent via SMS within 15 days.
  • This has an Annual Fee of Rs.499, but at the end of the year customer gets 2000 Reward Points every year covering the cost of renewal fee. 4 Reward Points = Rs.1. This happens for life time.

So virtually this card is Life Time Free.
And this card is eligible for all SBI card offers at any site.

Other features:

  • Customer gets 1 RP per Rs.100 spent on all spends. No Reward points available on fuel, cash advance, balance transfer, encash, financial charges, flexipay, merchant EMI, wallet transactions and disputed transactions.
  • Customer gets 10x RP per Rs.100 spends at Big Bazaar, Standalone Fbb and Food Bazaar outlets, and on all your Dining expenditures.

He said better chances of approval if applied via agent and Card to Card option available with them.

https://cdn0.desidime.com/attachments/photos/716940/medium/7990229DZv7HB8.png?1633331531

https://cdn0.desidime.com/attachments/photos/716941/medium/7990229JzkC8Nm.png?1633331536

https://cdn0.desidime.com/attachments/photos/716942/medium/7990229gDGe20D.png?1633331540

https://www.sbicard.com/en/personal/credit-card...

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Deal Captain Deal Captain
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Did you take the card bro?

Deal Cadet Deal Cadet
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Yes, this applicable to simply click as well(i use), but gst=90₹ for 500₹ annual charge (so its not free completely) ,which is ok, considering we have many offers on sbi card

Helpful Helpful
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How did you get your spend based reversal of 1 lakh per year waived?

Deal Cadet Deal Cadet
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Somehow i am not happy with sbi credit card cashback offers.. once i have used some target amount for 1500rs myntra voucher and they never gave it.. they told various reasons for it.. Recently there was an DMART offer.. 250 cashback on 3000.. i never got any cashback from that.. i have contacted them but no use.. SBI casback is a scam

Generous Generous
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Even i didn’t get that myntra, then i raised complaint after that got it on sms.
There was a 10% cb on reliance in june, again tgey didint credit the cb, raise complaint they asked to wait for 10 days but still no cb, then escalated the issue and got cb.
Its seriously headache to chase them for cb even after fulfilling all criteria.

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Deal Cadet Deal Cadet
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499 doesnt include gst and other taxes

Generous Generous
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I am using it for past 1.5 years….its 499+ 90 (GST) = total 589/-, but you get 2000 reward points to redeem 500 fbb eGV (not valid on BigBazaar groceries), only fashion items.
apart from that Benefit – you will get 10% instant discount on fbb bill amount.
So overall not a bad deal in having this SBI CC.

Helpful Helpful
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Is the 10% instant discount only on fashion items?

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Deal Captain Deal Captain
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Let me put it this way bro. You are buying your 2000 reward points using 499+gst as there is no waiver on that annual fee.
The best part of the joke is that there is a redemption fee of 99 rupees on reward points.
So 99 redemption fee+ 90 gst, paying 189 rupees already and the card ties you to purchases in big bazaar, style bazaar.

Helpful Helpful
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This is only for users who want to avail the SBI bank offers at various sites when they come.
This is not meant to be the primary credit card.

@Abhinav_Pune

Deal Captain Deal Captain
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Old way of selling card by sbi

Deal Captain Deal Captain
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Fbb voucher will be sent which can only be redeem on fashion category and there is gst on fees paid which will not be compensated

Generous Generous
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You can put it in this way……however, am not aware about the LTF SBI CC, if you can tell then i can switch to that…..earlier i was using SBI Elite which was having 5000 annual fee, but cancelled as no travelling (lounge access was required) in 2020 & switched to this SBI fbb.
If you know about any LTF sbi cc …then let me know. Thanks

Deal Captain Deal Captain
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For online take sbi simply click,
10x rewards(2.5%) on partners,
5x(1.25%) on other online
Offline 1 reward point only, so 0.25 rs, card is not for offline transactions
1 lakh spend for fee waiver of 499+gst,
you will get 2K voucher of cleartrip on online spending of 1 lakh rs.

For offline sbi simply save, 10x rewards supermarket, dining offers etc.

1 lakh spend for fee waiver of 498+gst,
These 2 are the only cards worth in sbi in my opinion.

Deal Lieutenant Deal Lieutenant
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SimplyClick is best for online usage.

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Deal Cadet Deal Cadet
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Sbi is scam .. cashback is mere marketing tactic .. cashback happens after more than 6 months .. by that time any customer would forget unless he is not equipped with solid proofs of bill, paper copies and so on. Waiving off fee in terms of points is also scam .. as GST is incurred .. why do they charge such annual fee if they are so customer centric .. SBI cards is not free for lifetime .. Period.

Deal Cadet Deal Cadet
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In simpliclick did you get 2000 reward points on renewal fee paid for the card? And you can redeem it for Rs 500 voucher or as credit in statement?

Blaze Blaze
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As Amazon voucher

Deal Cadet Deal Cadet
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I am using Ola Sbi card. Discount on ola paying with SBI card.

  1. Annual feed of Rs 500 waived of on spend of Rs 50000 in a year
  2. 1% unlimited ola money as cash back on monthly transaction.
    So if I spend Rs 50,000 then I will get Rs 500 & Annual charges zero. Year about to complete in 2-3 month
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Tech Guru Tech Guru
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Don’t buy any cobranded cards unless you want to purchase from that store again n again.

Deal Cadet Deal Cadet
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Thanks plus1 op. After seeing this thread applying the same & got approved with 2.5l limit 🤩 Using it especially at sbi offer time & fbb & BB as a secondary credit card.

Helpful Helpful
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Good.
Do let us know the T&C of the welcome gift voucher that you receive.

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Deal Newbie Deal Newbie
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Did anyone tried to redeem the vouchers on fbb stores?? I got the vouchers redeemed and really dont know how it works. Is it applicable on specific items or all the products in the fbb store.

Blaze Blaze
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I have done…can be availed at fbb… Has 1 year validity from redemption request…
Had one for paying the fees and the second one redeemed with 2000 rp…
Redeemed at the nearest fbb for 1000 rs on apparels

replyuser
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