FBB SBI STYLEUP Card vs IDFC First Earn Credit Card
Joining Fees
₹499
₹499
Editor's Rating
3.8
Key Features
- Anniversary gift of 2,000 Bonus Reward Points every year
- An upfront discount of flat 10% round the year, while shopping for Fashion Apparel, Accessories, Backpacks, Footwear & School Bags at Fbb and Big Bazaar Stores
- 10X Reward Points on spends at Big Bazaar, Standalone Fbb and Food Bazaar outlets, and on all Dining expenditures
- Maximum surcharge waiver of Rs. 100 can be availed per cycle on the STYLEUP Card
- Get 1% Cashback on every spend via the IDFC FIRST Bank mobile app
- Get 0.5% Cashback on UPI spends via other apps and all online spends. 0.5% cashback on all utility, insurance, and wallet load
- Welcome Bonus: 100% cashback, up to Rs. 500, on the 1st UPI spend made within 15 days of card generation and 5% cashback, up to Rs. 1,000, on the 1st EMI transaction value made within 30 days of card set-up
- Annual Benefit: Get 100% cashback, up to Rs. 200 (max. Rs. 50 each), on the 1st 4 UPI spends made via IDFC FIRST Bank mobile app within 15 days of annual fee being charged
- Convert UPI spends worth a min. of Rs. 2,500 into easy EMIs
- 25% discount up to Rs. 100 on movie tickets booked on District by Zomato
- 20% discount across 1,500+ resturants
- Complimentary roadside assistance worth Rs. 1,399
- Convenience of UPI + Power of Credit at 60+ million merchants
- Card Liability Cover of Rs. 25,000, Personal Accident Cover of Rs. 2,00,000, Credit Shield of Rs. 50,000, and Purchase Protection of Rs. 25,000
- Surcharge of 1% on payment for Rent and Property Management, subject to a minimum of Rs. 249 (+GST) per transaction
- Forex Markup at 3.5% for all international transactions
- Utility spends (Electricity, Gas, Telecom etc.) above Rs. 20,000 will attract 1% surcharge (+GST) on the aggregate utility spends in a statement cycle
- Earn Bonus Reward Points on booking flights and hotels via 'Travel and Shop' section on IDFC FIRST Bank Mobile App:
A. Bonus 4% cashback on all Flight bookings - Over and above your Credit Card Cashback
B. Bonus 8% cashback on all Hotel bookings - Over and above your Credit Card Cashback
C. Redeem your Reward Points - For flight and hotel bookings
Editor's Review
Pros
- The FBB SBI STYLEUP CONTACTLESS CARD comes with flexi pay option, which enables individuals to convert all transaction into easy monthly segments
- With balance transfer facility, transfer any other outstanding credit card balance to your SBI Card. And then on you can repay them under easy instalments and a lower rate of interest
- The card gives 10X reward point on all spending at Big Bazaar, FBB and Food Bazaar, along with the dining spending
Cons
- As the FBB SBI STYLEUP CONTACTLESS CARD is pivoted more towards fashion spending and urban usage, it is a bit weak for heavy daily usage. Although it has got a global footmark, yet its features might seem limited to a seasoned traveller
- The card lacks in the domestic cluster in features such as domestic travel, airfares and so on. Health facility is also not well covered
Pros
- Bonus 4% cashback on all Flight bookings, Bonus 8% cashback on all Hotel bookings, and Redeem the Reward Points For flight and hotel bookings
- Since the card is on the RuPay network, it can be easily linked to UPI
- Get 0.5% Cashback on UPI spends via other apps and all online spends. 0.5% cashback on all utility, insurance, and wallet load
Cons
- No fuel benefits
- No golf benefits
- No complimentary domestic or international airport lounge access
