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| CREDIT CARD DETAIL |
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| SBI Oriental Bank of Commerce Platinum Card |
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| Card Highlights |
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| Card Class |
Platinum/Titanium |
| Card Type |
Partnership |
| Issuer |
State Bank of India |
| Offered Type |
VISA |
| Rewards |
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Main Features
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- Card holder can earn upto 10 cash points on every Rs. 100 spent from the card.
- Card holder gets Complimentary Membership to the King Club Gold Tier.
- Priority pass programme and Concierge service 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.
- Easy Bill Pay and Flexipay facility are offered to the card holder.
- Card holder can avail balance transfer facility with this card.
- Add-on cards can also be issued for the family members above 18 years of age.
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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. 2,999 |
| Annual Fee |
Rs. 2,999 |
| Add On Card Fee |
NIL |
| Cash Advance Limit |
Upto 80% of Credit Limit ( Max. 12K / day & 15K / day for Gold & Platinum Cards ) |
| 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 10 Cash Points for every Rs.100 spent on Dining, Departmental Store & International Spends |
| For more info. |
Click Here |
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Airline
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Airline:
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| Air Miles/ Rs 100 Spent on Airfare |
20 king miles |
| Airport Lounge Access |
Yes |
| Comment (on Airport Lounge Access) |
Priority Pass Program: Complimentary membership to the Elite Priority Pass program. Get access to over 600 Super Luxury Airport Lounges across 300 cities worldwide. |
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Fitness
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Fitness:
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| Golf Club Access |
Yes |
| Description (Golf Club Access) |
Access to over 200 Golf Courses across the world |
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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 |
Yes
Card holder can avail following facilities -
Flower & Gift Delivery
Movie Tickets
Airline Ticket Reservation Assistance
Car Rental and Limousine Referral and Reservation Assistance
Hotel Referral and Reservation Assistance |
| Invitation to Special Events |
No |
| Road Assistance |
No |
| Forex & Travel Cheque Services |
No |
| Access to 24-Hour Customer Care Centre |
No |
| Personal Loan Facility |
No |
| EMI on Call Facility |
No |
| Dial a Draft Facility |
No |
| Rewards Programme |
Yes |
| Global Emergency Assistance Service |
No |
| No. of ATMs (Global) |
2 million Visa ATMs |
| No. of ATMs (India) |
2,85,000 Visa ATMs |
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Insurance:
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| Hospitalization Benefits |
No |
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Special Offers
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Special Offers |
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- Customer can enjoy access to over 200 Golf Courses across the world.
- Card holder can withdraw cash with his card at wide range of VISA ATMs in India as well as abroad.
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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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