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| CREDIT CARD DETAIL |
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| Card Highlights |
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| Card Class |
Standard |
| Card Type |
Classic |
| Issuer |
State Bank of India |
| Offered Type |
Visa |
| Rewards |
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Main Features
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- Balance Transfer Facility
- Flexipay
- Travel Benefit
- IAPA Membership
- Teledraft Facility
- Mega Value Offers
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 Card Rates
Card Rates
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| Purchases: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
0 month |
| Interest Rate |
3.1% per month |
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| Balance Transfers: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
3 month |
| Interest Rate |
3.1% per month
Min.: Rs 5000 per month (The amount transferred should be a minimum of Rs 5,000 and upto a maximum of 75% of your available credit limit on the SBI Credit Card, whichever is higher.
You could chose between two different plans to pay back your balance.
Plan 1 offers 0% interest for 90 days.
Plan 2 offers 0.99% interest for the first 6 months.
Processing Fee would be charged as applicable.} |
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Fees & charges
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Fees & charges
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| Joining Fee |
Upto: Rs. 1500/- |
| Annual Fee |
Up to Rs: 1500/- |
| Add On Card Fee |
Up to Rs: 500/- |
| Cash Advance Limit |
upto 80% (subject to a max. of 12K per day, 15K per day for Gold Cards) |
| Finance charges on cash advances /extended credit |
Upto 2.99% per month (35.88% per annum) from the transaction date, Upto 3.10% per month (37.2% per annum) from the transaction date. |
| Late Payment |
30% of Minimum Amount Due (Min. Rs. 350 & Max. Rs. 600) |
| Free Credit Period |
Min.: 15 days Max.: 50 days |
| Minimum Amount Due |
5% of outstanding balance or
Rs. 200, whichever is higher |
| Limited Lost Card Liability |
Emergency Cash Disbursement - US $175 per disbursement
Miscellaneous Customer Service Enquires - US $5 per call |
| Over Limit Charges |
2.5% of Overlimit Amount (Min. Rs. 300 & Max. Rs. 500),
2.5% of Overlimit Amount or Rs 500 whichever is high |
| Cheque Pickup Fee |
Rs 45 |
| Cheque Bounce Fee |
2% of cheque amount (Min Rs 250, Max Rs 500) 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500 |
| Return of Cheque Fee |
2% of cheque amount (Min Rs 250, Max Rs 500) 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500 |
| Invalid Cheque Fee |
2% of cheque amount (Min Rs 250, Max Rs 500) 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500 |
| Non-Bank ATM Access / Balance Enquiry Charges |
SBI ATMs & SBI Card CashPoints - 2.5% or Rs. 200 whichever is higher
Other Domestic ATMs - 2.5% or Rs. 250 whichever is higher
International ATMs - 3.0% or Rs. 250 whichever is higher
ATM Decline Fee - Rs. 20 |
| Dial a Draft Fee |
Min.: Rs 199 |
| Duplicate Statement Request Charges |
Rs 100 |
| Replacement Card Charges |
Rs 100 |
| Emergency Replacement(when overseas) |
US $175 per card replaced |
| Charge Slip Request |
125 per chargeslip |
| Air/Railway Booking Comment |
Rs. 30 + 2.5% of Transaction amount |
| Fuel Surcharge |
Min.: Rs 400 |
| Foreign Currency Transaction Charges |
Conversion mark up: 3.5%, Not Applicable for SBI Gold MasterCard |
| Service Tax |
12.36% |
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Rewards & Benefits
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Rewards & Benefits
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| For every Rs. 50 spent you get 1 Power Point |
| For more info. |
Click Here |
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Airline
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Airline:
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| Bookings Agent |
Carlson Wagonlit Travel |
| Airline Travel Benefits |
Get a flat 25% cashback on all Indian Flights bookings. Any sector, Any Class, All timings, No catches!
Get a flat 12% cashback on all domestic hotels & holidays too.
Hurry this offer is valid for travel bookings made till September 30, 2007 for any date of travel of your choice, subject to availability. |
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Services & Features
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Services & Features
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General Features:
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| Photo Option |
No |
| Add On Card |
Yes |
| Internet Web Based Access |
Yes |
| Coverage |
International |
| Concierge Service |
No |
| Invitation to Special Events |
No |
| Road Assistance |
No |
| Forex & Travel Cheque Services |
No |
| Access to 24-Hour Customer Care Centre |
Yes |
| Personal Loan Facility |
No |
| EMI on Call Facility |
No |
| Dial a Draft Facility |
Yes |
| Rewards Programme |
Yes |
| Global Emergency Assistance Service |
Yes |
| No. of ATMs (Global) |
24 million VISA outlets |
| No. of ATMs (India) |
110,000 VISA outlets |
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Insurance:
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| Other Accident |
ProtectionPlus is an Insurance cover to provide you complete protection through:
Personal Accident Insurance: Enhances the Free Accident cover by an additional Rs. 6 lacs in case of Accidental Death or Disability for as little as Rs. 24 per month! A discount of more than 55%. |
| Purchase Protection |
Get insurance of up to Rs 15000 on purchases with your card like refrigerators, televisions, washing machines and personal items such as watches, jewellery, etc. against theft/burglary and fire within your residence premises, for 90 days from the date of purchase |
| Hospitalization Benefits |
No |
| Credit Shield |
Credit Shield: Protects the outstanding on your card, for a maximum of Rs. 1 lac, in the event of Death or Disability (due to any cause)...for a premium as low as 0.1% (i.e. Re.1 for every Rs. 1,000) of the outstanding on your card. All this at a nominal Administration charge of Rs. 18 pm, which gives you hassle free automatic renewals every month! |
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Special Offers
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Special Offers |
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Eligibility Criteria
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Eligibility Criteria
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Salaried
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Salaried:
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| Annual Income |
Rs 75000.00 |
| Age |
Min.: Yrs. Max.: Yrs. |
| Documents Required |
If Income > Rs.1,20,000 pa
Latest IT return OR
Latest Form 16 OR
Latest salary slip
If Income < Rs.1,20,000 pa
Latest IT return OR
Latest Form 16 OR
Latest salary slip AND Copy of bank statement/Updated passbook, showing transactions for the last 6 months |
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Self Employed
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Self Employed:
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| Annual Income |
Rs 60000.00 |
| Age |
Min.: Yrs. Max.: Yrs. |
| Documents Required |
Latest Personal IT return AND
Copy of bank statement/Updated passbook, showing transactions for the last 6 months. |
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Retired Pensioners
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Retired Pensioners:
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| Annual Income |
Rs 60000.00 |
| Age |
Min.: Yrs. Max.: Yrs. |
| Documents Required |
Latest pension certificate OR
Latest Personal IT return OR
Copy of bank statement/updated passbook, showing last 3 pension credits |
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Terms & Conditions
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Terms & Conditions |
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