Information about SBI Credit Cards In India: 2008

Monday, November 10, 2008

SBI Employee Card Fees and Charges

SBI Employee Card : Fees and Charges

Fees
Cash Advance
Other Charges & Fees
Order of payment settlement
Extended Credit
Cash Advance Fees
Surcharge

Joining Fee (One time) : Upto Rs. 5,000
Annual Fee (p.a.) : Upto Rs. 1,500
Add-on Fee (p.a.) : Upto Rs. 500

Interest Free Credit Period :20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full)

Finance charges # :Upto 3.35% per month [40.2% per annum]
Minimum Repayment Amount :5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax

Cash Advance Limit : Upto 80% of Credit Limit ( Max. 12K / day & 15K / day for Gold & Platinum Cards )

Free Credit Period :Nil

Finance charges # : Upto 3.35% per month [40.2% per annum]

SBI ATMs : 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

Other Domestic ATMs : 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

International ATMs : 3.0% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

ATM Decline Fee :Rs. 20

Protection Plus* : Personal Accident - Rs. 24 p.m.
Credit Shield - 0.1% of Total Outstanding
Admin Fee - Rs. 20 p.m.

Cheque Pickup : Rs 90/-

Cheque Bounce/ Invalid Cheque : 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500)

Statement Retrieval : Rs. 100 per Statement (>3 months old)

Chargeslip Retrieval : Rs. 125 per Chargeslip

Late Payment : 30% of Minimum Amount Due (Min. Rs. 350 & Max. Rs. 600)

Overlimit : 2.5% of Overlimit Amount (Min. Rs. 500)

Card Replacement : Rs. 100

Emergency Card Replacement (When Abroad) : Actual Cost (Min. $175)

Foreign Currency Transaction:Conversion mark up: 3.5%

Card Upgradation Fee : Upto Rs. 500

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

Petrol & all products/services sold at petrol pumps: 0% surcharge for single transaction spend between Rs. 400 & Rs. 3,000 ;For SBI Platinum Cardholders: 0% surcharge for single transaction spend between Rs. 400 & Rs. 4,000
Maximum surcharge waiver of Rs. 100 p.m. per credit card account
2.5% of transaction amount (Min. Rs. 10) for transaction amounts <> Rs. 3,000 (SBI Platinum Cardholder for transaction amounts <> Rs 4000)

Customs duty :2.25% of transaction amount (Min. Rs. 75)

Order of payment settlement : out of your total payment , 1st Minimum Amount Due is settled , followed by Taxes , EMI on loan plans ,Fees & Other Charges , Interest Charges , Balance Transfer Outstanding , Purchase Outstanding and Cash Advance in that order. Government Service Tax as applicable on all the above Fees , Interest & Charges.

# Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to periodic review

* Nil on Cash advance.
** Insurance is optional and a subject matter of solicitation.
*** Cheques payable outside clearing zones not accepted. We accept payment through local cheques / drafts payable in Delhi only.
Service tax as applicable on all above fee, interest and charges.

Your continued use of the card will be deemed acceptance of these amendments.

SBI Card Helpline
From BSNL/MTNL Lines 1800 180 1290
From All Other Lines 39 02 02 02

All information in this communication is correct as per September 2007 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com

This information is brought to you by Harmony Infotech. Contact us if you are looking for a Free Website.

SBI Employee Card Benefits

SBI Employee Card Benefits

Apply SBI Employee Card Online

Free Card For Life :

No Joining fee, No Annual fee, No Additional Card fee. Your SBI Employee Card comes to you FREE for life!!!
All you need to do is use your Card for more than Rs 5000 every year!

Worldwide acceptance :

Your SBI Card can be used in over 24 million outlets accross the globe, including 3,25,000 outlets in india. Just look for the VISA sign of acceptance and present your card for payment.

0% Fuel Surcharge :

Your SBI Card provides you with the unique benefit and convenience of a fuel surcharge waiver.Simply use your SBI Card to buy petrol, diesel and lubricants at all petrol pumps outlets and you need not pay any fuel surcharge. All you have to do is to purcharge fuel for amounts between Rs. 400 and Rs. 3000 every time per transaction to avail this offer.

Cash on the go :

As an SBI Cardholder, you can withdraw cash from over 1 million MasterCard ATMs (Please check the logo on the front of your card before using) accross the globe, including 18,000 ATMs in India. In Addition to this, you get access to over 6,000 SBI ATMs accross 100 plus cities in India.

Convenience of technology :

No matter where you are, SBI Card Online, e-statement and SBI Card Alerts will keep you informed 24-hr. Whether it is locating the nearest ATM or managing your account, its all now just a click away.

Enjoy a world of convenience
With your SBI Card you can enjoy a world of conveniences such as:
• Order a bank draft over the phone anytime, anywhere.
• Avail value-added privileges such as special discounts, bargains,
exciting prizes etc.
• Access your account on the net.
• Plan your payment according to your convenience.
• Transfer your current credit card balance to your SBI Card at a much
lower interest rate.

Guaranteed peace of mind :

SBI Card automatically gives you complete peace of mind with our SBI Card Customer Helpline and 24-hr MasterCard (Please check the logo on the front of your card before using) Global Customer Assistance Services available across the world in case of any emergency.

Utility Bill Payment Facility :

With the Easy Bill Pay facility from SBI Card you can be rest assured you will never ever forget paying your utility bills on time. All your utility bills like electricity, insurance,telephone. will get paid before the due date with this facility from SBI Card. This service comes to you absolutely free! Peace of Mind & Reward Points Guaranteed! (Refer www.sbicard.com for details)

Balance transfer :

You can now enjoy high savings with our low interest rate. Just transfer the balances from any of your other Credit Card to your SBI Card and enjoy Balance Transfer Plans as suited to your financial needs & avail of a low-rate of interest*.

Flexipay :

Flexipay, the easy installment plan from SBI Card lets you buy just about anything and repay in easy monthly installments. Choose the plan best suited to your financial needs and avail of a low rate of interest*. All this on a simple phone call within 10 days of your purchase. Call the Helpline for details now!

Teledraft Facility(Easy Money Draft) :

Now you can order a bank draft any time by just making a local phone call to the 24 hr SBI Card Customer Helpline. The amount of the draft will be billed directly to your SBI Card. You'll find it useful for payments of various bills, taxes, fees and a lot more. For more details please call the 24 Hour SBI Card helpline.

Credit facility :
Your SBI Card offers great flexibility of payment. With the extended credit option, you can plan your payments against your outstanding. You can pay any amount from the minimum amount due to the total amount due outstanding as shown in your Monthly Statement. You can then carry forward the unpaid balance at one of the lowest finance charges available.

Book your railway tickets online :

SBI Card offers you the unique convenience of booking your railway tickets online and getting them delivered at your doorstep. Experience the convenience of booking your tickets online with your SBI Card.
All you need to do is:
• Register free of cost on www.irctc.co.in
• Log-in with your username and password on www.irctc.co.in
• Book your ticket as per instructions on the website
• Make payment through your SBI Card Card on the website through either of the two payment gateways which accept all MasterCards.
Kindly note: All transactions on www.irctc.co.in are governed by terms ; conditions of www.irctc.co.in

Enhanced power to your family :
You can share the power of your SBI Card with your family, by applying for add-on cards for your spouse, children, siblings over 18 years and parents, for a nominal fee.

E-statement :

No postal delays. No lost statements. No late payments. Just the convenience of getting your monthly statement delivered directly to your email inbox. Giving you global access 24-hr, seven days a week.

SBI Card Alerts :

SBI Card Online :

Manage your SBI Card account. Whether it is checking your statement online or requesting an address change, locating the nearest SBI ATM or CashPoint and winning exciting prizes on our special offers. It’s all now click away.To get started, log on to www.sbicard.com and take advantage of these benefits.

SBI Card ATM Payment

You can also make your SBI Card Payment at over 8,000 SBI ATMs by using your State Bank ATM cum Debit Card.

SBI Card Drop Box Locator :
Simply
•Type 'PIN' <> your 6 digit pin code xxxxxx
•Send SMS to 56767
•You will receive the list of drop boxes in your area
Yes, it’s that simple!

* Premium SMS charges apply

This information is brought to you by Harmony Infotech. Contact us if you are looking for a software website.

SBI Card for Doctors Fees and Charges

SBI Card for Doctors Fees and Charges :

Fees
Cash Advance
Other Charges & Fees
Order of payment settlement
Extended Credit
Cash Advance Fees
Surcharge

Joining Fee (One time) : Upto Rs. 5,000
Annual Fee (p.a.) : Upto Rs. 1,500
Add-on Fee (p.a.) : Upto Rs. 500

Interest Free Credit Period :20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full)

Finance charges # :Upto 3.35% per month [40.2% per annum]
Minimum Repayment Amount :5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax

Cash Advance Limit : Upto 80% of Credit Limit ( Max. 12K / day & 15K / day for Gold & Platinum Cards )

Free Credit Period :Nil

Finance charges # : Upto 3.35% per month [40.2% per annum]

SBI ATMs : 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

Other Domestic ATMs : 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

International ATMs : 3.0% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

ATM Decline Fee :Rs. 20

Protection Plus* : Personal Accident - Rs. 24 p.m.
Credit Shield - 0.1% of Total Outstanding
Admin Fee - Rs. 20 p.m.

Cheque Pickup : Rs 90/-

Cheque Bounce/ Invalid Cheque : 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500)

Statement Retrieval : Rs. 100 per Statement (>3 months old)

Chargeslip Retrieval : Rs. 125 per Chargeslip

Late Payment : 30% of Minimum Amount Due (Min. Rs. 350 & Max. Rs. 600)

Overlimit : 2.5% of Overlimit Amount (Min. Rs. 500)

Card Replacement : Rs. 100

Emergency Card Replacement (When Abroad) : Actual Cost (Min. $175)

Foreign Currency Transaction:Conversion mark up: 3.5%

Card Upgradation Fee : Upto Rs. 500

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

Petrol & all products/services sold at petrol pumps: 0% surcharge for single transaction spend between Rs. 400 & Rs. 3,000 ;For SBI Platinum Cardholders: 0% surcharge for single transaction spend between Rs. 400 & Rs. 4,000
Maximum surcharge waiver of Rs. 100 p.m. per credit card account
2.5% of transaction amount (Min. Rs. 10) for transaction amounts <> Rs. 3,000 (SBI Platinum Cardholder for transaction amounts <> Rs 4000)

Customs duty :2.25% of transaction amount (Min. Rs. 75)

Order of payment settlement : out of your total payment , 1st Minimum Amount Due is settled , followed by Taxes , EMI on loan plans ,Fees & Other Charges , Interest Charges , Balance Transfer Outstanding , Purchase Outstanding and Cash Advance in that order. Government Service Tax as applicable on all the above Fees , Interest & Charges.

# Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to periodic review

* Nil on Cash advance.
** Insurance is optional and a subject matter of solicitation.
*** Cheques payable outside clearing zones not accepted. We accept payment through local cheques / drafts payable in Delhi only.
Service tax as applicable on all above fee, interest and charges.

Your continued use of the card will be deemed acceptance of these amendments.

SBI Card Helpline
From BSNL/MTNL Lines 1800 180 1290
From All Other Lines 39 02 02 02

All information in this communication is correct as per September 2007 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com

This information is brought to you by Harmony Infotech.
Contact us if you are looking for a website design.

SBI Card for Doctors Benefits

SBI Card for Doctors Benefits

Apply SBI Doctors Card online

Personalized for you :

The SBI Card for Doctors has been personalized just for you with not only your name, but also with your relevant medical qualifications making it an unquestionable mark and statement of respect

Worldwide acceptance :

Your SBI Card can be used in over 24 million outlets accross the globe, including 3,25,000 outlets in india. Just look for the VISA sign of acceptance and present your card for payment.

0% Fuel Surcharge :

Convenience of technology :

Balance transfer :

Flexipay :

Book your railway tickets online :

SBI Card Online :

SBI Card ATM Payment

You can also make your SBI Card Payment at over 8,000 SBI ATMs by using your State Bank ATM cum Debit Card.

This information is brought to you by Harmony Infotech.
Contact us if you are looking for a Website Builder.

SBI Advantage Card : Eligibility criteria

SBI Advantage Card Eligibility criteria

The salary criteria and the documents you need to furnish for the Card are as under:

Salaried :

* Fixed Deposit > Rs 20,000
** The minimum Validity remaining on your Fixed Deposit is > 2 Year

Self Employed :

* Fixed Deposit > Rs 20,000
** The minimum Validity remaining on your Fixed Deposit is > 2 Year

Retired/Pensioners :

* Fixed Deposit > Rs 20,000
** The minimum Validity remaining on your Fixed Deposit is > 2 Year

This information is brought to you by Harmony Infotech.
Contact us if you are looking for a Website Builder.

SBI Advantage Card Fees and Charges

SBI Advantage Card Fees and Charges

Fees
Cash Advance
Other Charges & Fees
Order of payment settlement
Extended Credit
Cash Advance Fees
Surcharge

Joining Fee (One time) : Upto Rs. 5,000
Annual Fee (p.a.) : Upto Rs. 1,500
Add-on Fee (p.a.) : Upto Rs. 500

Interest Free Credit Period :20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full)

Finance charges # :Upto 3.35% per month [40.2% per annum]
Minimum Repayment Amount :5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax

Cash Advance Limit : Upto 80% of Credit Limit ( Max. 12K / day & 15K / day for Gold & Platinum Cards )

Free Credit Period :Nil

Finance charges # : Upto 3.35% per month [40.2% per annum]

SBI ATMs : 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

Other Domestic ATMs : 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

International ATMs : 3.0% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

ATM Decline Fee :Rs. 20

Protection Plus* : Personal Accident - Rs. 24 p.m.
Credit Shield - 0.1% of Total Outstanding
Admin Fee - Rs. 20 p.m.

Cheque Pickup : Rs 90/-

Cheque Bounce/ Invalid Cheque : 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500)

Statement Retrieval : Rs. 100 per Statement (>3 months old)

Chargeslip Retrieval : Rs. 125 per Chargeslip

Late Payment : 30% of Minimum Amount Due (Min. Rs. 350 & Max. Rs. 600)

Overlimit : 2.5% of Overlimit Amount (Min. Rs. 500)

Card Replacement : Rs. 100

Emergency Card Replacement (When Abroad) : Actual Cost (Min. $175)

Foreign Currency Transaction:Conversion mark up: 3.5%

Card Upgradation Fee : Upto Rs. 500

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

Petrol & all products/services sold at petrol pumps: 0% surcharge for single transaction spend between Rs. 400 & Rs. 3,000 ;For SBI Platinum Cardholders: 0% surcharge for single transaction spend between Rs. 400 & Rs. 4,000
Maximum surcharge waiver of Rs. 100 p.m. per credit card account
2.5% of transaction amount (Min. Rs. 10) for transaction amounts <> Rs. 3,000 (SBI Platinum Cardholder for transaction amounts <> Rs 4000)

Customs duty :2.25% of transaction amount (Min. Rs. 75)

Order of payment settlement : out of your total payment , 1st Minimum Amount Due is settled , followed by Taxes , EMI on loan plans ,Fees & Other Charges , Interest Charges , Balance Transfer Outstanding , Purchase Outstanding and Cash Advance in that order. Government Service Tax as applicable on all the above Fees , Interest & Charges.

# Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to periodic review

* Nil on Cash advance.
** Insurance is optional and a subject matter of solicitation.
*** Cheques payable outside clearing zones not accepted. We accept payment through local cheques / drafts payable in Delhi only.
Service tax as applicable on all above fee, interest and charges.

Your continued use of the card will be deemed acceptance of these amendments.

SBI Card Helpline
From BSNL/MTNL Lines 1800 180 1290
From All Other Lines 39 02 02 02

All information in this communication is correct as per September 2007 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com

This information is brought to you by Harmony Infotech.
Contact us if you are looking for a Website Builder.

SBI Advantage Card Benefits

SBI Advantage Card Benefits

Apply SBI Advantage card online

Worldwide acceptance :

Your SBI Card can be used in over 24 million outlets accross the globe, including 3,25,000 outlets in india. Just look for the VISA sign of acceptance and present your card for payment.

0% Fuel Surcharge :

Convenience of technology :

Balance transfer :

Flexipay :

Book your railway tickets online :

SBI Card Online :

SBI Card ATM Payment

You can also make your SBI Card Payment at over 8,000 SBI ATMs by using your State Bank ATM cum Debit Card.

This information is brought to you by Harmony Infotech.
Contact us if you are looking for a website company.

SBI Partnership Cards - Spice jet SBI Card Fees and Charges

Spice Jet SBI Card Fees and Charges :

Fees
Cash Advance
Other Charges & Fees
Order of payment settlement
Extended Credit
Cash Advance Fees
Surcharge

Joining Fee (One time) Upto Rs. 5,000
Annual Fee (p.a.) Upto Rs. 1,500
Add-on Fee (p.a.) Upto Rs. 500

Interest Free Credit Period : 20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full)

Finance charges# : Upto 3.35% per month [40.2% per annum]

Minimum Repayment Amount:5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax

Cash Advance Limit : Upto 80% of Credit Limit ( Max. 12K / day & 15K / day for Gold & Platinum Cards )

Free Credit Period : Nil

Finance charges# :Upto 3.35% per month [40.2% per annum]

SBI ATMs : 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

Other Domestic ATMs: 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

International ATMs :3.0% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

ATM Decline Fee :Rs. 20

Protection Plus* : Personal Accident - Rs. 24 p.m.
Credit Shield - 0.1% of Total Outstanding
Admin Fee - Rs. 20 p.m.

Cheque Pickup : Rs 90/-

Cheque Bounce/ Invalid Cheque : 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500)

Statement Retrieval: Rs. 100 per Statement (>3 months old)

Chargeslip Retrieval: Rs. 125 per Chargeslip

Late Payment: 30% of Minimum Amount Due (Min. Rs. 350 & Max. Rs. 600)

Overlimit :2.5% of Overlimit Amount (Min. Rs. 500)

Card Replacement : Rs. 100

Emergency Card Replacement (When Abroad):Actual Cost (Min. $175)

Foreign Currency Transaction:Conversion mark up: 3.5%

Card Upgradation Fee: Upto Rs. 500

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

Petrol & all products/services sold at petrol pumps: 0% surcharge for single transaction spend between Rs. 400 & Rs. 3,000 ;For SBI Platinum Cardholders: 0% surcharge for single transaction spend between Rs. 400 & Rs. 4,000Maximum surcharge waiver of Rs. 100 p.m. per credit card account 2.5% of transaction amount (Min. Rs. 10) for transaction amounts <> Rs. 3,000 (SBI Platinum Cardholder for transaction amounts <> Rs 4000)

Customs duty : 2.25% of transaction amount (Min. Rs. 75)

Order of payment settlement:out of your total payment , 1st Minimum Amount Due is settled , followed by Taxes , EMI on loan plans ,Fees & Other Charges , Interest Charges , Balance Transfer Outstanding , Purchase Outstanding and Cash Advance in that order. Government Service Tax as applicable on all the above Fees , Interest & Charges.

# Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to periodic review

* Nil on Cash advance.
** Insurance is optional and a subject matter of solicitation.
*** Cheques payable outside clearing zones not accepted. We accept payment through local cheques / drafts payable in Delhi only.
Service tax as applicable on all above fee, interest and charges.

Your continued use of the card will be deemed acceptance of these amendments.

SBI Card Helpline
From BSNL/MTNL Lines 1800 180 1290
From All Other Lines 39 02 02 02

All information in this communication is correct as per September 2007 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com

This information is brought to you by Harmony Infotech.
Contact us if you are looking for a Website Builder.

SBI Partnership Cards - SPice Jet SBI Card Benefits

Spice Jet SBI Card Benefits

Apply Spice Jet SBI Card Online

NOW keep flying and get rewarded!:
The Card gives you 5 Reward Points for every Rs 100 you spend to buy Spicejet tickets on the Card. That’s not all, you get 1 Reward Point for every Rs 100 spent on the Card otherwise.
Quick Reward Points = Free Tickets!

* You can request for SpiceJet Vouchers once you earn a minimum of 1000 Reward Points. Redemption of reward points would happen only for buying SpiceJet Tickets. Vouchers can be redeemed in multiples of 1000 reward points.

50 lacs of Personal Air accident Insurance cover :
Your SpiceJet SBI Card provides you with a complementary personal accident cover of Rs. 50 lacs in the event of loss of life in an air accident*.

*The cover is available only on SpiceJet flights when the ticket is purchased using SpiceJet SBI Card.

Lost Card Liability :
In case your SpiceJet SBI Card is lost or stolen, just call the 24 – hour Customer Helpline in India or the Card Helpline abroad to report the loss, so that we can block your account immediately. The SpiceJet SBI Card comes with a zero lost card liability that covers you for up to Rs. 50,000 of financial loss incurred due to fraudulent usage. This protects you against the misuse of your lost card for up to 48 hours before the time you report the loss to us in writing.

Claims Procedure :
Our current insurance partner Tata AIG General Insurance Co. may call for additional documents / information as relevant. For the list of claim documents required for a particular claim and for all correspondence in connection with the claims, you are requested to contact-

Tata AIG General Insurance Company Ltd.
4th Floor, Ahura Centre, Mahakali Caves Road, Andheri (E), Mumbai – 400 093
Toll free No 1800-11-99-66 (only from MTNL / BSNL), E-Claim Notification to General.Claims@tata-aig.com,
SMS "CLAIMS" to 5888

Flexipay :
The easy repayment plan on SpiceJet SBI Card lets you buy just about anything including SpiceJet tickets and repay in easy installments. Choose the plan best suited to your financial needs and what’s more, avail a lower rate of interest! All this on the basis of a simple phone call within 10 days of your purchase Standard Flexipay Terms and Conditions Apply.

Balance Transfer Facility :
STOP paying upto 3.10% interest per month on your other bank credit card! Go for the SBI Card Balance Transfer Facility Today! Transfer the outstanding balance from your other card on to your SBI Card and enjoy the lowest interest rate on the balance transferred.

SBI Card Fuel Freedom :
Use your SpiceJet SBI Card to buy petrol, diesel and lubricants at any Petrol Pump across India. Enjoy 0% surcharge on purchases of fuel & lubricants between Rs. 400/- and Rs. 3000/-.

Easy bill pay :
Forget about standing in queues, missing the last date for payments or running around for a drop box. Use “ easy bill facility “ on your SpiceJet SBI Card to pay for the utility bills – Insurance, Electricity, Telephone, and Mobile phone etc. It is very simple to use and what’s more you can do this without spending any extra money.

SBI Card PayNet :
Make your payments online with no extra charges. Anytime-All you need is internet access. Anywhere- Log on from anywhere in the world. Hassle Free- Make payments online at your convenience. Currently available for HDFC Bank, Citibank, Kotak Mahindra Bank, Axis Bank, PNB and IDBI Bank.

SBI Card PayCash :
Paying your SBI Card Bill just got easier. Now pay in cash to clear your SBI Card dues, 7days a week, at Easy Bill Merchant Outlets. Walk in to any 3500 Easy Bill outlets, pay your SBI Card dues and get instant electronic receipt.

This information is brought to you by Harmony Infotech.
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SBI Partnership Cards - UBI Card Fees and Charges

UBI Card Fees and Charges

Fees
Cash Advance
Other Charges & Fees
Order of payment settlement
Extended Credit
Cash Advance Fees
Surcharge

Joining Fee (One time) Upto Rs. 5,000
Annual Fee (p.a.) Upto Rs. 1,500
Add-on Fee (p.a.) Upto Rs. 500

Interest Free Credit Period : 20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full)

Finance charges# : Upto 3.35% per month [40.2% per annum]

Minimum Repayment Amount:5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax

Cash Advance Limit : Upto 80% of Credit Limit ( Max. 12K / day & 15K / day for Gold & Platinum Cards )

Free Credit Period : Nil

Finance charges# :Upto 3.35% per month [40.2% per annum]

SBI ATMs : 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

Other Domestic ATMs: 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

International ATMs :3.0% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

ATM Decline Fee :Rs. 20

Protection Plus* : Personal Accident - Rs. 24 p.m.
Credit Shield - 0.1% of Total Outstanding
Admin Fee - Rs. 20 p.m.

Cheque Pickup : Rs 90/-

Cheque Bounce/ Invalid Cheque : 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500)

Statement Retrieval: Rs. 100 per Statement (>3 months old)

Chargeslip Retrieval: Rs. 125 per Chargeslip

Late Payment: 30% of Minimum Amount Due (Min. Rs. 350 & Max. Rs. 600)

Overlimit :2.5% of Overlimit Amount (Min. Rs. 500)

Card Replacement : Rs. 100

Emergency Card Replacement (When Abroad):Actual Cost (Min. $175)

Foreign Currency Transaction:Conversion mark up: 3.5%

Card Upgradation Fee: Upto Rs. 500

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

Petrol & all products/services sold at petrol pumps: 0% surcharge for single transaction spend between Rs. 400 & Rs. 3,000 ;For SBI Platinum Cardholders: 0% surcharge for single transaction spend between Rs. 400 & Rs. 4,000Maximum surcharge waiver of Rs. 100 p.m. per credit card account 2.5% of transaction amount (Min. Rs. 10) for transaction amounts <> Rs. 3,000 (SBI Platinum Cardholder for transaction amounts <> Rs 4000)

Customs duty : 2.25% of transaction amount (Min. Rs. 75)

Order of payment settlement:out of your total payment , 1st Minimum Amount Due is settled , followed by Taxes , EMI on loan plans ,Fees & Other Charges , Interest Charges , Balance Transfer Outstanding , Purchase Outstanding and Cash Advance in that order. Government Service Tax as applicable on all the above Fees , Interest & Charges.

# Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to periodic review

Your continued use of the card will be deemed acceptance of these amendments.

SBI Card Helpline
From BSNL/MTNL Lines 1800 180 1290
From All Other Lines 39 02 02 02

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SBI Partnership Cards - UBI Card : Benefits

UBI Card Benefits

Apply UBI Card online

Worldwide acceptance :
Your UBI Card can be used in over 24 million outlets accross the globe, including 3,25,000 outlets in india. Just look for the VISA sign of acceptance and present your card for payment.

0% Fuel Surcharge :

Your UBI Card provides you with the unique benefit and convenience of a fuel surcharge waiver. Simply use your UBI Card to buy petrol, diesel and lubricants at all petrol pumps outlets and you need not pay any fuel surcharge. All you have to do is to purchase fuel for amounts between Rs. 400 and Rs. 3000 every time per transaction to avail this offer.

Cash on the go :

As a UBI Cardholder, you can withdraw cash from over 1 million VISA ATMs (Please check the logo on the front of your card before using) across the globe, including 18,000 ATMs in India. In Addition to this, you get access to over 6,000 SBI ATMs and 251 SBI cash points across 100 plus cities in India.

Guaranteed peace of mind :

UBI Card automatically gives you complete peace of mind with our 24-hr SBI Card Customer Helpline and 24-hr VISA Card (Please check the logo on the front of your card before using) Global Customer Assistance Services available across the world in case of any emergency.

Utility Bill Payment Facility :

With the Easy Bill Pay facility from UBI Card you can be rest assured you will never ever forget paying your utility bills on time. All your utility bills like electricity, insurance, telephone. will get paid before the due date with this facility from UBI Card. This service comes to you absolutely free! Peace of Mind & Reward Points Guaranteed! (Refer www.sbicard.com for details)

Balance transfer :

You can now enjoy high savings with our low interest rate. Just transfer the balances from any of your other Credit Card to your UBI Card and enjoy Balance Transfer Plans as suited to your financial needs & avail of a low-rate of interest*.

Flexipay :

Flexipay, the easy installment plan from UBI Card lets you buy just about anything and repay in easy monthly installments. Choose the plan best suited to your financial needs and avail of a low rate of interest*. All this on a simple phone call within 10 days of your purchase. Call the Helpline for details now!

Teledraft Facility(Easy Money Draft):

Now you can order a bank draft any time by just making a local phone call to the 24 hr SBI Card Customer Helpline. The amount of the draft will be billed directly to your UBI Card. You'll find it useful for payments of various bills, taxes, fees and a lot more. For more details please call the 24 Hour SBI Card helpline.

Book your railway tickets online :

UBI Card offers you the unique convenience of booking your railway tickets online and getting them delivered at your doorstep. Experience the convenience of booking your tickets online with your UBI Card.All you need to do is:
•Register free of cost on www.irctc.co.in
•Log-in with your username and password on www.irctc.co.in
• Book your ticket as per instructions on the website
•Make payment through your UBI Card on the website through either of the two payment gateways which accept all VISA Cards.
Kindly note: All transactions on www.irctc.co.in are governed by terms & conditions of www.irctc.co.in

E-statement :

SBI Card Alerts enables you to receive information regarding your credit card status, as an SMS on your mobile phone. These include Mini Statement Alerts, Cheque Alerts, Credit & Cash limit Alerts & Payment Assistance Alerts. So, no matter where you are, we will keep you informed! To subscribe to SBI Card Alerts visit us at www.sbicard.com or call your local 24-hr SBI Card Customer Helpline.

SBI Card Online :
Manage your UBI Card account. Whether it is checking your statement online or requesting an address change, locating the nearest SBI ATM or CashPoint and winning exciting prizes on our special offers. It’s all now just click away. To get started, log on to www.sbicard.com and take advantage of these benefits.

SBI Card ATM Payment :

You can also make your UBI Card Payment at over 6,000 SBI ATMs by using your State Bank ATM cum Debit Card.

SBI Card Drop Box Locator :

Simply
•Type 'PIN' <> your 6 digit pin code xxxxxx
•Send SMS to 56767
•You will receive the list of drop boxes in your area
Yes, it’s that simple!

* Premium SMS charges apply

SBI Card PayNet :

Make your payments online with no extra charges. Anytime-All you need is internet access. Anywhere- Log on from anywhere in the world. Hassle Free- Make payments online at your convenience. Currently available for HDFC Bank, Citibank, Kotak Mahindra Bank, Axis Bank, PNB and IDBI Bank. For more information log on to www.sbicard.com.

SBI Card PayCash :

Paying your SBI Card Bill just got easier. Now pay in cash to clear your SBI Card dues, 7days a week, at Easy Bill Merchant Outlets. Walk in to any 3500 Easy Bill outlets, pay your SBI Card dues and get instant electronic receipt. For list of outlets and Terms & Conditions, log on to www.sbicard.com.

Enhanced power to your family :

You can share the power of your UBI Card with your family, by applying for add-on cards for your spouse, children, siblings over 18 years and parents, for a nominal fee.

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SBI Partnership Cards - SBI Social Card Eligibility Criteria

SBI Social Card Eligibility criteria

The salary criteria and the documents you need to furnish for the Card are as under:

Salaried:

Minimum Annual Income Rs.75,000
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

Self Employed :

Minimum Annual Income Rs.60,000
Latest Personal IT return AND
Copy of bank statement/Updated passbook, showing transactions for the last 6 months

Retired/Pensioners :

Minimum Annual Income Rs.60,000
Latest pension certificate OR
Latest Personal IT return OR
Copy of bank statement/updated passbook, showing last 3 pension credits

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SBI Partnership Cards - SBI Social Card Fees and Charges

SBI Social Card Fees and Charges :

Fees
Cash Advance
Other Charges & Fees
Order of payment settlement
Extended Credit
Cash Advance Fees
Surcharge

Joining Fee (One time) Upto Rs. 5,000
Annual Fee (p.a.) Upto Rs. 1,500
Add-on Fee (p.a.) Upto Rs. 500

Interest Free Credit Period : 20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full)

Finance charges# : Upto 3.35% per month [40.2% per annum]

Minimum Repayment Amount:5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax

Cash Advance Limit : Upto 80% of Credit Limit ( Max. 12K / day & 15K / day for Gold & Platinum Cards )

Free Credit Period : Nil

Finance charges# :Upto 3.35% per month [40.2% per annum]

SBI ATMs : 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

Other Domestic ATMs: 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

International ATMs :3.0% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

ATM Decline Fee :Rs. 20

Protection Plus* : Personal Accident - Rs. 24 p.m.
Credit Shield - 0.1% of Total Outstanding
Admin Fee - Rs. 20 p.m.

Cheque Pickup : Rs 90/-

Cheque Bounce/ Invalid Cheque : 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500)

Statement Retrieval: Rs. 100 per Statement (>3 months old)

Chargeslip Retrieval: Rs. 125 per Chargeslip

Late Payment: 30% of Minimum Amount Due (Min. Rs. 350 & Max. Rs. 600)

Overlimit :2.5% of Overlimit Amount (Min. Rs. 500)

Card Replacement : Rs. 100

Emergency Card Replacement (When Abroad):Actual Cost (Min. $175)

Foreign Currency Transaction:Conversion mark up: 3.5%

Card Upgradation Fee: Upto Rs. 500

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

Petrol & all products/services sold at petrol pumps: 0% surcharge for single transaction spend between Rs. 400 & Rs. 3,000 ;For SBI Platinum Cardholders: 0% surcharge for single transaction spend between Rs. 400 & Rs. 4,000Maximum surcharge waiver of Rs. 100 p.m. per credit card account 2.5% of transaction amount (Min. Rs. 10) for transaction amounts <> Rs. 3,000 (SBI Platinum Cardholder for transaction amounts <> Rs 4000)

Customs duty : 2.25% of transaction amount (Min. Rs. 75)

Order of payment settlement:out of your total payment , 1st Minimum Amount Due is settled , followed by Taxes , EMI on loan plans ,Fees & Other Charges , Interest Charges , Balance Transfer Outstanding , Purchase Outstanding and Cash Advance in that order. Government Service Tax as applicable on all the above Fees , Interest & Charges.

# Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to periodic review

Your continued use of the card will be deemed acceptance of these amendments.

SBI Card Helpline
From BSNL/MTNL Lines 1800 180 1290
From All Other Lines 39 02 02 02

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SBI Partnership Cards - SBI Social Card Benefits

SBI Social Card Benefits

Apply SBI Social Card Online

About SBI Social Card :

The SBI Social Card has been designed for you to lend a helping hand. Everytime you use your card, some percentage of the rupee spent will be used for a social cause to help someone lead a better life. And as if the smiles of those you help is not reward enough, you will also earn reward points every time you use your card which can be donated to these NGOs.

Cancer Patients Aid Association :

Cancer Patients Aid Association (CCPA) is working towards the ;Total Management of Cancer; in India and neighbouring countries.Their main activities include Patient Care; Early Detection and Awareness; OPDs; Rehabilitation; Insurance and Counseling.

National Association for the Blind :

National Association for Blind;s (NAB) objectives are to create awareness in society at large about the need of preventing preventable and curing curableblindness and develop educational,vocational and employment services for the incurable blind children and adults

SOS Children;s Villages of India :

SOS Children;s Villages of India revolve around the effort to give children who have lost their parents or who are not longer able to live with them; a permanent home and a stable environment. SOS Children;s Villages try to help during acute times of need;such as natural disasters or conflicts; by putting rapid and unbureaucratic emergency relief programme into action.

World Wide Fund for Nature :

World Wide Fund for Nature;WWF; India;has been working to promote harmony between human beings and nature for more than three decades.Their mission is ;The promotion of nature conservation and environment protection as the basis for sustainable and equitable development.;

Worldwide acceptance :

Your SBI Social Card can be used in over 24 million outlets accross the globe, including 3,25,000 outlets in india. Just look for the VISA sign of acceptance and present your card for payment.

0% Fuel Surcharge :

Cash on the go :

No matter where you are, SBI Card Online, e-statement and SBI Card Alerts will keep you informed 24-hr. Whether it is locating the nearest ATM or managing your account, its all now just a click away.

Guaranteed peace of mind :

Balance transfer :

E-statement :

SBI Card ATM Payment :

You can also make your Hero Honda SBI Card Payment at over 6,000 SBI ATMs by using your State Bank ATM cum Debit Card.

SBI Card Drop Box Locator :

Simply
•Type 'PIN' your 6 digit pin code xxxxxx
• Send SMS to 56767
• You will receive the list of drop boxes in your area
Yes, it’s that simple!

* Premium SMS charges apply

SBI Card PayNet :

SBI Card PayCash :

Enhanced power to your family :

You can share the power of your Hero Honda SBI Card with your family, by applying for add-on cards for your spouse, children, siblings over 18 years and parents, for a nominal fee.

This information is brought to you by Harmony Infotech.
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SBI Partnership Cards - SBI Vishal Mega Mart Card Eligibility criteria

SBI Vishal Mega Mart Card : Eligibility criteria

The salary criteria and the documents you need to furnish for the Card are as under:

Salaried :

Minimum Annual Income Rs.75,000
If Income > Rs.1,20,000 pa
Latest IT return OR
Latest Form 16 OR
Latest salary slip

Self Employed :

Minimum Annual Income Rs.60,000
Latest Personal IT return AND
Copy of bank statement/Updated passbook, showing transactions for the last 6 months

Retired/Pensioners :

Minimum Annual Income Rs.60,000
Latest pension certificate OR
Latest Personal IT return OR
Copy of bank statement/updated passbook, showing last 3 pension credits

This information is brought to you by Harmony Infotech.
Contact us if you are looking for a own website.

SBI Partnership Cards - SBI Vishal Mega Mart Card Fees and Charges

SBI Vishal Mega Mart Card : Fees and Charges

Fees
Cash Advance
Other Charges & Fees
Order of payment settlement
Extended Credit
Cash Advance Fees
Surcharge

Joining Fee (One time) : Upto Rs. 5,000
Annual Fee (p.a.) : Upto Rs. 1,500
Add-on Fee (p.a.) : Upto Rs. 500

Interest Free Credit Period :20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full)

Finance charges # :Upto 3.35% per month [40.2% per annum]
Minimum Repayment Amount :5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax

Cash Advance Limit : Upto 80% of Credit Limit ( Max. 12K / day & 15K / day for Gold & Platinum Cards )

Free Credit Period :Nil

Finance charges # : Upto 3.35% per month [40.2% per annum]

SBI ATMs : 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

Other Domestic ATMs : 2.5% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

International ATMs : 3.0% (Min.Rs.250 (Min Rs 275 w.e.f. 1st November 2008))

ATM Decline Fee :Rs. 20

Protection Plus* : Personal Accident - Rs. 24 p.m.
Credit Shield - 0.1% of Total Outstanding
Admin Fee - Rs. 20 p.m.

Cheque Pickup : Rs 90/-

Cheque Bounce/ Invalid Cheque : 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500)

Statement Retrieval : Rs. 100 per Statement (>3 months old)

Chargeslip Retrieval : Rs. 125 per Chargeslip

Late Payment : 30% of Minimum Amount Due (Min. Rs. 350 & Max. Rs. 600)

Overlimit : 2.5% of Overlimit Amount (Min. Rs. 500)

Card Replacement : Rs. 100

Emergency Card Replacement (When Abroad) : Actual Cost (Min. $175)

Foreign Currency Transaction:Conversion mark up: 3.5%

Card Upgradation Fee : Upto Rs. 500

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

Petrol & all products/services sold at petrol pumps: 0% surcharge for single transaction spend between Rs. 400 & Rs. 3,000 ;For SBI Platinum Cardholders: 0% surcharge for single transaction spend between Rs. 400 & Rs. 4,000
Maximum surcharge waiver of Rs. 100 p.m. per credit card account
2.5% of transaction amount (Min. Rs. 10) for transaction amounts <> Rs. 3,000 (SBI Platinum Cardholder for transaction amounts <> Rs 4000)

Customs duty :2.25% of transaction amount (Min. Rs. 75)

Order of payment settlement : out of your total payment , 1st Minimum Amount Due is settled , followed by Taxes , EMI on loan plans ,Fees & Other Charges , Interest Charges , Balance Transfer Outstanding , Purchase Outstanding and Cash Advance in that order. Government Service Tax as applicable on all the above Fees , Interest & Charges.

# Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to periodic review

* Nil on Cash advance.
** Insurance is optional and a subject matter of solicitation.
*** Cheques payable outside clearing zones not accepted. We accept payment through local cheques / drafts payable in Delhi only.
Service tax as applicable on all above fee, interest and charges.

Your continued use of the card will be deemed acceptance of these amendments.

SBI Card Helpline
From BSNL/MTNL Lines 1800 180 1290
From All Other Lines 39 02 02 02

All information in this communication is correct as per September 2007 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com

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