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SBI Credit Card

SBI and GE Capital Services joint venture is the second largest credit card issuer in the country with around 4 million card holders. This JV offers you Gold, Silver and Platinum Card and other partnership cards like card for doctors, railway cards, lifestyle cards etc.

SBI offers two per cent cash back facility while using your card in departmental stores, restaurants and while paying your utility bills, without any extra fees. SBI's Gold, Silver and Platinum cards are accepted worldwide and provides 0% fuel surcharge waiver. You can also order a bank draft over the phone any time and also transfer your current credit card balance to your SBI Card at a much lower interest rate. You also get a discount of up to 3.5 per cent and on international tickets purchased through Carlson Wagonlit Travel Services.

Features

 

Card Name  SBI- Silver Card  SBI-Gold Card  SBI-Platinum Plus Card
Network  Master Card  Master Card  Visa Card
Joining Fee (in rupees)  Free  Free  Free
Annual Fee (in rupees)  Free for life  Free for life Free for life
Add On Card - Issue Fee  Free  Free  Free
Interest Rate -on revolving Credit  44.25% p.a from Transaction date  44.25% p.a from Transaction date  44.25% p.a from Transaction date
Interest Rate -on Cash Withdrawal  44.25%p.a  44.25%p.a  44.25%p.a
Interest Rate - on Balance Transfer  As per the New scheme 0% for the  first 3 months  As per the New scheme 0% for the  first 3 months  As per the New scheme 0% for the  first 3 months
Reward points  2% Cash back at selected merchants  2% Cash back at selected merchants  Earn 1 power point on every Rs 40 spend
Surcharge on Fuel  0% surcharge for single transaction spend between Rs. 400/- and Rs. 3,000/-  0% surcharge for single transaction spend between Rs. 400/- and Rs. 3,000/-  0% surcharge for single transaction spend between Rs. 400/- and Rs. 3,000/-
Cash Withdrawal Fee  2.5% or Rs 250 whichever is high(Domestic ATMs) and 3% or Rs 250 whichever is high (International ATMs)  2.5% or Rs 250 whichever is high(Domestic ATMs) and 3% or Rs 250 whichever is high (International ATMs) 2.5% or Rs 250 whichever is high(Domestic ATMs) and 3% or Rs 250 whichever is high (International ATMs)
Late Payment Charges  NA  NA  NA
Late Payment Fee  30% of minimum amount due(Min. of Rs. 350 & Max. Rs. 600)  30% of minimum amount due(Min. of Rs. 350 & Max. Rs. 600)  30% of minimum amount due(Min. of Rs. 350 & Max. Rs. 600)
Overlimit Charges  2.5% of overlimit amount or Rs. 500 whichever is higher  2.5% of overlimit amount or Rs. 500 whichever is higher  2.5% of overlimit amount or Rs. 500 whichever is higher
Maximum Credit Free Period  Up to 50 days  Up to 50 days  Up to 50 days

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