FBB SBI STYLEUP Card vs HDFC Moneyback Credit Card

Joining Fees

₹499

₹500

Editor's Rating

3.8

3.3

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
  • Annual Spend based benefit: By spending Rs. 50,000 and above in each calendar quarter, get Rs. 500 worth gift vouchers
  • Renewal Offer: In the first year, spend Rs. 50,000 and above to get renewal membership fee waived off
  • Get 2 Reward Points on every Rs. 150 spent 
  • Get 2X Reward Points i.e. 4 Reward Points on every Rs. 150 spent online (With effect from 15th July 2020, cardholders can earn up to 500 Reward Points per statement cycle for online spends, under the 2X RP feature)
  • Every quarter, get a gift voucher worth Rs. 500 on spends of Rs. 50,000. Earn up to Rs. 2,000 worth gift vouchers in a year
  • Zero Lost card liability
  • Up to 50 days of interest free period from the date of purchase
  • Enjoy Revolving Credit at nominal interest rate
  • Enjoy amazing dining benefits with Good Food Trail program. Get up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20k + restaurants). This offer is inclusive of Restaurant and Swiggy Discount. This offer is valid only on payments done via Swiggy App
  • 1% Fuel Surcharge waiver on fuel transactions on minimum transaction of Rs. 400 and maximum transaction of Rs. 5,000
  • Avail facility of converting big spends into EMI after purchase
  • HDFC Bank MoneyBack Credit Card is enabled for contactless payments
  • Reward Points can be used for redemption against travel benefits such as Flight and Hotel bookings, and the card members can redeem up to a maximum of 50% of the booking value through Reward Points and Rewards Catalogue at the SmartBuy Rewards Portal

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

  • Zero liability on the lost card if reported immediately
  • With the EMV Chip technology presented in the card, stay protected against fraud
  • Avail up to 50 days of the interest-free period from the date of purchase, and enjoy Revolving Credit at a nominal interest rate

Cons

  • The Reward points are only valid for 2 years
  • No complimentary Airport Lounge Access
  • High-interest rate of 3.49%


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