FBB SBI STYLEUP Card vs IRCTC HDFC Bank Credit Card
Joining Fees
₹499
₹500
Editor's Rating
3.8
3.7
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
- Avail 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
- Get 1 Reward Point for every Rs. 100 spent on all other spends
- Avail an additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy
- 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
- Get a 1% transaction charges waiver on transactions done on the IRCTC ticketing website and Rail Connect App
- Spend Rs. 1,50,000 or more in one year before Credit Card renewal and get the renewal fee waived off
- Up to 50 days of interest-free period from the date of purchase
- Revolving Credit available at a nominal interest rate
- 1% fuel surcharge waiver at all fuel stations in India on transactions between Rs. 400 and Rs. 5,000
- Milestone Benefits: Get a gift voucher valued at Rs. 500 when you make quarterly spends of Rs. 30,000 or more (every 90 days from the date of issue)
- IRCTC Executive Lounge Benefits: Get 8 complimentary access to selected IRCTC Executive Lounges every year (2 per quarter)
- It is now possible to link IRCTC HDFC Bank Credit Card to select UPI apps: PayZapp/ GPay/ PhonePe/ Mobikwik/ PayTM/ BHIM/ Slice
- A maximum of 500 reward points can be earned on UPI spends in a calendar month using the IRCTC HDFC Bank Credit Card
- Convert big spends into EMI after purchase
- The IRCTC HDFC Bank Credit Card is equipped with contactless payment technology for added convenience and speed
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
- Complimentary access to Executive Lounges of IRTC
- 5 Reward Points for every Rs. 100 spent on the IRCTC ticketing website and Rail Connect App
- Get 1 Reward Point for every Rs. 100 spent on all other spends
Cons
- No golf benefits are provided
- No airport lounge access
- No movie and dining benefits
