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Last updated: 01-06-2026
SBI Card StyleUp
SBI Card

SBI Card StyleUp

"SBI's fashion and lifestyle card โ€” 10X rewards at Pantaloons, Shoppers Stop and fashion brands, plus movie tickets and dining benefits"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น499 + GST
๐Ÿ”„ Renewal Fee
โ‚น499 + GST
Waived: Annual fee reversed from second year on spending โ‚น1 lakh in previous membership year
๐ŸŽฏ Best Suited For
Fashion shoppers who buy regularly at Pantaloons, Shoppers Stop and other fashion brands; those who want movie discounts and dining benefits at a low annual fee
๐ŸŽ Reward Type
Reward Points (4 RPs = โ‚น1; redeemable for vouchers, merchandise, statement credit)
๐ŸŽ‰ Welcome Benefit
Welcome e-gift voucher worth โ‚น2,000 from partner fashion brands (Pantaloons, Bata/Hush Puppies, Shoppers Stop, Yatra) on payment of joining fee
๐Ÿ’ฐ Reward Rate
10 RPs per โ‚น100 at fashion and lifestyle partner brands (Pantaloons, Shoppers Stop, Allen Solly, Van Heusen, Peter England โ€” check current partner list); 2 RPs per โ‚น100 on all other eligible spends; excludes fuel, utilities, cash, EMI, wallet, government, insurance
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
โญ Rate this Card
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โœ… Pros
  • 10X rewards at fashion partner brands
  • โ‚น2,000 welcome voucher from 4 top fashion brands
  • Quarterly โ‚น1,000 Pantaloons voucher on โ‚น50K spend
  • Buy 1 Get 1 movies
  • Low โ‚น499 fee with easy โ‚น1L waiver
  • Good for fashion and lifestyle shoppers
โŒ Cons
  • 10X only at specific partner brands โ€” limited list
  • No lounge access
  • High forex markup 3.5%
  • Base reward rate 0.5% on non-partner spends
  • Redemption fee โ‚น99
  • Niche card โ€” not suitable as primary all-purpose card

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (4 RPs = โ‚น1; redeemable for vouchers, merchandise, statement credit)
Welcome Benefits
Welcome e-gift voucher worth โ‚น2,000 from partner fashion brands (Pantaloons, Bata/Hush Puppies, Shoppers Stop, Yatra) on payment of joining fee
Reward Rate
10 RPs per โ‚น100 at fashion and lifestyle partner brands (Pantaloons, Shoppers Stop, Allen Solly, Van Heusen, Peter England โ€” check current partner list); 2 RPs per โ‚น100 on all other eligible spends; excludes fuel, utilities, cash, EMI, wallet, government, insurance
Reward Redemption
SBI Card website or app: gift vouchers, merchandise, statement credit; 1 RP = โ‚น0.25; redemption fee โ‚น99 + GST; Flexipay EMI
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น500 to โ‚น3,000; maximum โ‚น100 per statement cycle
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Annual fee reversed on โ‚น1 lakh spend
Milestone Benefits
โ‚น1,000 Pantaloons voucher on spending โ‚น50,000 in a calendar quarter (up to โ‚น4,000 per year); annual fee waiver on โ‚น1L spend
Other Benefits
Quarterly โ‚น1,000 Pantaloons voucher on โ‚น50K spend; โ‚น2,000 welcome voucher from 4 fashion brands; Buy 1 Get 1 movies via BookMyShow; Flexipay EMI; add-on cards; balance transfer; fuel surcharge waiver

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
10X at fashion brands; quarterly Pantaloons voucher; BOGO movies; โ‚น2,000 welcome voucher

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น499 + GST
Annual Fee / Renewal Fee
โ‚น499 + GST
โœ“ Waived on: Annual fee reversed from second year on spending โ‚น1 lakh in previous membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น500
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
10X only at specific fashion partner brands โ€” verify current list on SBI Card website; quarterly voucher requires โ‚น50K spend; redemption fee โ‚น99

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 70 years; salaried or self-employed; minimum monthly income โ‚น20,000; Indian resident; CIBIL 650+
Credit Score Requirement
650+ CIBIL recommended
Credit Limit
Based on income and SBI Card assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Flexipay on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per SBI Card prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via SBI Card app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 180 1290 (24x7)
Chat / Email Support
Chat via SBI Card app; email: customercare@sbicard.com
Mobile App
SBI Card app
Online Banking
SBI Card website

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:33 PM
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