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| CREDIT CARD DETAIL |
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| SBI Oriental Bank of Commerce Card |
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| Card Highlights |
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| Card Class |
Gold (Shopping) |
| Card Type |
Partnership |
| Issuer |
State Bank of India |
| Offered Type |
VISA |
| Rewards |
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Main Features
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- Card holder will earn 1 cash point on every Rs. 100 spent from the card.
- Cash points can be redeemed against outstanding balance or against a range of gifts.
- With accelerated Cash Points card holder can get upto 2.5% Value Back on all Departmental store & Grocery Spends.
- Fuel surcharge waiver of 2.5% offered on all the fuel purchase at all the petrol pumps.
- On withdrawal of cash from ATM within 30 days of receiving the card, customer will get Rs. 100 as cash back.
- The card is accepted worldwide.
- Add-on cards can also be issued for the family members above 18 years of age.
- Utility bill payment, credit, balance transfer and Flexipay facilities are offered to the customer with this card.
- Card holder can always stay updated about his credit card account through E-statements, SMS alerts SBI card online.
- Surcharge waived for the all fuel transactions at all petrol pumps.
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 Credit Card Rates
Credit Card Rates
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| Purchases: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
0 month |
| Interest Rate |
0% per month |
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| Balance Transfers: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
0 month |
| Interest Rate |
0% per month
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Fees & charges
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Fees & charges
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| Joining Fee |
Rs. 499 |
| Annual Fee |
Rs. 499 |
| Add On Card Fee |
NIL |
| Cash Advance Limit |
Upto 80% of Credit Limit |
| Cash Advance Transaction Fee |
SBI ATMs/Other Domestic ATMs - 2.5% of withdrawal amount or 300/- (WIH) per transaction
International ATMs -
3% of withdrawal amount or 300/- (WIH) per transaction |
| Finance charges on cash advances /extended credit |
Upto 3.35% p.m. (40.2% p.a.) from the transaction date |
| Late Payment |
NIL for Total Amount Due upto Rs. 500; Rs. 200 for Total Amount Due from Rs. 501 - Rs. 1,000; Rs. 350 for Total Amount Due from Rs. 1,001 - Rs. 5,000; Rs 500 for Total Amount Due from Rs 5,001 - Rs 10,000;Rs. 700 for Total Amount Due above Rs. 10,001 |
| Free Credit Period |
20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full) |
| Minimum Amount Due |
5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax |
| Over Limit Charges |
2.5% of Overlimit Amount (Min. Rs. 500) |
| Cheque Pickup Fee |
Rs 90 |
| Cheque Bounce Fee |
2% of Cheque dishonor amount (Min Rs. 350, Max Rs. 500). |
| Invalid Cheque Fee |
2% of Cheque dishonor amount (Min Rs. 350, Max Rs. 500). |
| Duplicate Statement Request Charges |
Rs. 100 per Statement (> 2 months old) |
| Replacement Card Charges |
Rs 100 |
| Emergency Replacement(when overseas) |
Actual Cost (Min. $175) |
| Charge Slip Request |
Rs. 225 per Chargeslip |
| Air/Railway Booking Comment |
Railway Tickets - Railway Counters - Rs. 30 + 2.5% of transaction amount
Railway Tickets - www.irctc.co.in - 1.8% of transaction amount + service charge, as applicable |
| Fuel Surcharge |
2.5% Min.: Rs 10 |
| Foreign Currency Transaction Charges |
3.5% |
| Service Tax |
10.3% |
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Rewards & Benefits
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Rewards & Benefits
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| Earn 1 Cash Point for every Rs.100 spent |
| For more info. |
Click Here |
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Other Benefits
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Other Benefits:
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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 |
No |
| Rewards Programme |
Yes |
| Global Emergency Assistance Service |
No |
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Insurance:
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| Hospitalization Benefits |
No |
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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 |
| 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 |
| 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 |
| 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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