| Joining Fee |
Upto Rs. 5000 (one time) |
| Annual Fee |
Upto Rs. 1500/-p.a. |
| Add On Card Fee |
Upto Rs. 500 p.a.
Share the power of your card with your spouse, parents and children/siblings above 18 years by applying for add-on cards for them at a low annual fee Rs. 250 only. It is easy to get your card. |
| Cash Advance Limit |
Upto 80% of Credit Limit |
| Cash Advance Transaction Fee |
SBI ATMs 2.5% (Min.Rs.275)
Other Domestic ATMs 2.5% (Min.Rs.275)
International ATMs 3.0% (Min.Rs.275)
ATM Decline Fee Rs. 20 (NIL W.E.F 15 December '09). |
| Finance charges on cash advances /extended credit |
Upto 3.10% per month (37.2% p.a. ) from the transaction date |
| Penalty Interest Rate |
Upto 3.35% p.m. (40.2% p.a.) from the transaction date |
| Late Payment |
NIL for Total Amount Due upto Rs. 500;
Rs. 100 for Total Amount Due from Rs. 501 - Rs. 1,000;
Rs. 350 for Total Amount Due from Rs. 1,001 - Rs. 10,000;
Rs. 600 for Total Amount Due from Rs. 10,001 - Rs. 25,000;
Rs. 700 for Total Amount Due above Rs. 25,000 |
| 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 |
| Limited Lost Card Liability |
Your card carries a lost card liability of up to a maximum of Rs 1000. This protects you against misuse of your card from the time you report the loss |
| Over Limit Charges |
2.5% of overlimit amount or Rs. 500 whichever is higher |
| Cheque Pickup Fee |
Rs 90 |
| Cheque Bounce Fee |
2% of Cheque Amount (Min. Rs. 300 & Max Rs. 500) |
| Return of Cheque Fee |
2% of Cheque Amount (Min. Rs. 300 & Max Rs. 500) |
| Invalid Cheque Fee |
2% of Cheque Amount (Min. Rs. 300 & Max Rs. 500) |
| Non-Bank ATM Access / Balance Enquiry Charges |
SBI ATMs 2.5% or Rs. 250, whichever is higher
Other Domestic ATMs 2.5% or Rs. 250, whichever is higher
International ATMs 3% 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) |
Subject to actual cost (Minimum US $175) |
| Charge Slip Request |
Rs. 125 per chargeslip |
| Railway Booking Surcharge (Online) |
1.8% |
| Air/Railway Booking Comment |
Railway Counters : Rs. 30 + 2.5% of Transaction amount
Online: 1.8% of transaction amount + service charge, as applicable |
| Fuel Surcharge |
Min.: Rs 100 |
| Foreign Currency Transaction Charges |
3.5% |
| Service Tax |
10.3% |
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