Capital First Card

10X reward points* on all your Electronics, Movies & Dining spends

Presenting Capital First SBI Card

    •                  Annual fee : Rs. 499
    •                  Renewal fee : Rs. 499

Privileges on Capital First SBI card

With Capital First SBI card , you get unlimited privileges

Welcome Offer

Welcome Offer

  • 2,000 bonus reward points on spends of Rs. 2,000 in first 60 days.
  • Click here to know more
10x Reward Points

10x Reward Points

  • Enjoy 10 Reward Points per Rs.100 spent on Dining, Movies, and electronics Spends.
  • On all your other spends, earn 1 Reward Point per Rs. 100 spent
    (4 Reward Points = Rs. 1)
0% Fuel Surcharge

0% Fuel Surcharge

  • Get freedom from paying the 2.5% fuel surcharge at any petrol pump across India
  • Transact an amount between Rs. 500 to Rs. 3,000 at any petrol pump in India to avail this offer
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0% Fuel Surcharge
  • You get maximum surcharge waiver of up to Rs. 100 per statement cycle, on your Capital First SBI Card
Milestone Rewards

Milestone Rewards

  • Get 2000 reward points on annual spends of Rs.125,000
  • Anniversary gift of bonus 2000 reward points from 2nd year onwards on renewal fee payment.

Know everything about Capital First SBI Card

Your Capital First SBI Card now comes with a range of features

  • Worldwide Acceptance
    • Your Capital First SBI Card is an international credit card and can be used in over 24 million outlets across the globe, including 3, 25,000 outlets in India. Just look for the Visa/MasterCard sign of acceptance and present your card for payment

  • Credit Facility
    • Get You Capital First SBI Card now offer you great flexibility of payment with revolving credit facility. With the extended credit option you can plan your outstanding payments as is suitable to you. You can pay any amount from the minimum amount due to the total outstanding amount due as shown in your Monthly Statement. You can then carry forward the unpaid balance at one of the lowest finance charges available.
  • Add-on Cards - Enhanced Power to your family
    • You can now conveniently take care of the needs of your loved ones. Your Capital First SBI Card now lets you apply for add-on cards for your spouse, parents, children or siblings above the age of 18.
  • 0% Fuel Surcharge
    • Your Capital First SBI Card provides you with the unique benefit and convenience of a fuel surcharge waiver like other fuel credit cards in India. Simply use your SBI Card to buy petrol, diesel and lubricants at all petrol pumps outlets and you need not pay any fuel surcharge. All you have to do is to purchase fuel for amounts between Rs. 500 and Rs. 3000 every time per transaction to avail this benefit.
  • Cash on the go
    • As an SBI Cardholder, you can withdraw cash from over 1 million VISA/MasterCard ATMs (Please check the logo on the front of your card before using) across the globe, including 18,000 ATMs in India. In addition to this, you get access to over 10,000 SBI ATMs across 100 plus cities in India
  • Online Booking of Railway Tickets
    • You can book your railway tickets online and get them delivered at your doorstep
    • Go to irctc.co.in and follow the below steps:
      • Register free of cost
      • Log in with your user name and password
      • Follow instructions on the website to make your reservations
      • Make payments through your Capital First SBI Card at the payment gateways that accepts all Visa cards
      All transactions on irctc.co.in are governed by the terms and conditions of irctc.co.in
  • Utility Bill Payment Facility
    • With the Easy Bill Pay facility from Capital First SBI Card you can pay your bills online and be rest assured you will never ever forget paying your utility bills on time. All your utility bills like electricity, insurance, telephone will get paid before the due date with this facility from SBI Card
    • Click here to know more
  • Guaranteed peace of mind
    • Your sense of security is our priority SBI Card automatically gives you complete peace of mind with our SBI Card Customer Helpline and 24-hr VISA/MasterCard (Please check the logo on the front of your card before using) Global Customer Assistance Services available across the world in case of any emergency

  • Balance Transfer
    • Here’s your chance to save money while paying your credit card dues! SBI brings you a fast and convenient way to transfer the outstanding amount from your other card to your SBI card at the lowest rates of Interest.
  • Flexi pay
    • Flexi pay, the easy installment plan from SBI Card lets you buy just about anything and repay in easy monthly installments. Choose the plan best suited to your financial needs and avail of a low rate of interest. All this through a simple phone call within 30 days of your purchase. Call the Helpline for details now
  • Easy Money facility
    • Now you can order a bank draft any time by just making a local phone call to the SBI Card Customer Helpline. The amount of the draft will be billed directly to your Capital First SBI Card. You'll find it useful for payments of various bills, taxes, fees and a lot more. For more details please call the SBI Card helpline.
  • SBI Card Online
    • Manage your SBI Card account. Whether it is checking your statement online or requesting an address change, locating the nearest SBI ATM and winning exciting prizes on our special offers. It's all now click away. To get started, log on to www.sbicard.com and take advantage of these benefits.
  • Fees
      • Annual Fee (one-time):: Rs. 499
      • Renewal Fee (per annum): Rs. 499
      • Add-on Fee (per annum): Nil 
  • Extended Credit
      • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous months’ outstanding balance is paid
      • Finance charges: Up to 3.35% per month, accounting to 40.2% per annum from the transaction
      • Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)
  • Cash Advance
      • Cash Advance Limit: Up to 80% of credit limit, with a maximum of Rs. 12,000 per day
      • Free Credit Period: Nil
      • Finance charges: Up to 3.35% per month, accounting to 40.2% per annum from the date of withdrawal
  • Cash Advance Fee
      • SBI or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 300
      • International ATM: 3% of transaction amount, subject to a minimum of Rs. 300
  • Other Charges
      • Cheque pick up: Rs. 90
      • Cheque bounce or invalid cheque: 2% of cheque dishonor amount, counting to a minimum of Rs. 350 and maximum of Rs. 500
      • Statement retrieval: Rs. 100 per statement, which is two or more months old
      • Charge slip retrieval: Rs. 225 per charge slip
      • Late payment:
        • Nil for total amount due from Rs. 0 to Rs. 200
        • Rs. 100 for total amount due greater than Rs. 200 and up to Rs. 500
        • Rs. 200 for total amount due greater than Rs. 500 and up to Rs. 1,000
        • Rs. 500 for total amount due greater than Rs. 1,000 and up to Rs. 10,000
        • Rs. 750 for total amount due greater than Rs. 10,000
      • Overlimit: 2.5% of overlimit amount, counting to a minimum of Rs. 500
      • Card replacement: Rs. 100
      • Emergency card replacement, when abroad: Actual cost, with a minimum of $175
      • Foreign currency transaction: Conversion mark up - 3.5%
      • Rewards redemption fee: Rs. 99
      • Cash Payment fee: Rs. 100
  • Surcharge
      • Railway tickets through Railway counters: Rs. 30 + 2.5% of transaction amount
      • Railway tickets through irctc.co.in : 1.8% of transaction amount + service charge, as applicable
      • Fuel and all products and services sold at petrol pumps: 2.5% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000, exclusive of all applicable taxes, wherever applicable and all other charges. Maximum surcharge waiver of Rs. 100 per statement cycle, per credit card account.
        2.5% of transaction amount (Min. 10) for transaction Amount Betweeen Rs. 500 to Rs. 3,000
  • Order of Payment Settlement

      All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

  • Things to know
      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • All taxes would be charged as applicable on all the above Fees, Interest & Charges.

      Your continued use of the card will be deemed acceptance of these amendments.

      For assistance, please call SBI Card helpline at:

      From BSNL/MTNL numbers     1800 180 1290

      From all other numbers       39 02 02 02
      Prefix your STD code if you use your mobile phone.

      All information in this communication is correct as per June 2011 and is subject to change at the discretion of SBICPSL. SBI Card most important terms and conditions are also available at sbicard.com

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