SBI Platinum Credit Card Fees and Charges

SBI Platinum Credit Card Fees and Charges

* Fees

* Extended Credit

* Cash Advance

* Cash Advance Fees

* Other Charges & Fees

* Order of payment settlement

* Surcharge

1. * Fees

Joining Fee (One time) Upto Rs. 5,000

Annual Fee (p.a.) Nil

Add-on Fee (p.a.) Nil

2.*Extended Credit 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. ServicTax

3. Cash Advance

*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]

*ATM Decline Fee : Rs. 20

4.Cash Advance Fees *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))

5.Other Charges & Fees

* 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%

6.Surcharge

*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)

7.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.

* 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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