If you step into a Big Bazaar outlet in your city, chances are that you will find a SBI card rep selling a credit card. SBI Card has made huge inroads in the credit card market with its co-branded shopping cards. The SBI FBB STYLEUP credit card is one such card. Fbb or Fashion at Big Bazaar retails fashion apparel and accesories inside Big Bazaar. In this post, we review the SBI FBB STYLEUP credit card and its rewards & benefits.
Fees and Charges
The welcome and renewal benefits almost cover the fee for this card. Only the taxes of around Rs 90 will be the effective charges for this card.
| Joining/Renewal Fee | Rs 499 plus taxes |
| Welcome Benefit | Rs 500 Fbb Gift Voucher |
| Renewal Benefit | 2000 Bonus Reward Points |
Rewards
Like other SBI Cards, FBB STYLEUP offers accelerated rewards for some categories and very low rewards on other spends.
For people frequently visiting Big Bazaar, this card makes sense with the 2.5% return.
| TYPE OF SPEND | REWARD POINTS | RETURN RATE @25 PER RP |
|---|---|---|
| Big Bazaar, Standalone Fbb, Food Bazaar outlets, and Dining | 10 RP/Rs 100 | 2.5% |
| Other Spends | 1 RP/Rs 100 | 0.25% |
Other Benefits
- 10% discount for Fashion Apparel, Accessories, Backpacks, Footwear & School Bags at Fbb and Big Bazaar Stores
This benefit is only for the above selected category products. It does not work for other categories like grocery.
Rewards Redemption
SBI FBB STYLEUP card has multiple options for redemption. We can get e-vouchers or products from the catalogue over here. The best option however is to get a statement credit by calling SBI credit card team. For statement credit, we get a value of 25 paise per reward point.
My View
SBI FBB STYLEUP credit card is a decent credit card for those who shop from the FBB category at Big Bazaar. The renewal benefit makes up for the annual fee. So, there is no need to make any spends to get a fee waiver.
While the 2.5% rewards on Big Bazaar spends is good, we do have other ways to get better discounts. For example, HDFC Bank cards offer 5% to 16.5% rewards for buying Big Bazaar gift vouchers from Smartbuy. So if you are getting this card only for the Big Bazaar rewards, do check HDFC Bank credit cards as well.
Except that reason, I do not see any compelling reason to get this card. The 10% instant discount on FBB products is good but am sure many of us won’t buy that much for this to be significant.
