Information about SBI Credit Cards In India

SBI Employee Card Fees and Charges

2008-11-10T17:33:00.001+05:30

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

2008-11-10T17:27:00.000+05:30

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 :

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

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SBI Card for Doctors Fees and Charges

2008-11-10T17:18:00.000+05:30

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

2008-11-10T16:55:00.000+05:30

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

2008-11-10T16:46:00.000+05:30

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

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SBI Advantage Card Fees and Charges

2008-11-10T16:39:00.000+05:30

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

2008-11-10T16:17:00.000+05:30

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

2008-11-10T13:33:00.000+05:30

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

2008-11-10T13:12:00.000+05:30

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.

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SBI Partnership Cards - UBI Card Fees and Charges

2008-11-10T13:01:00.000+05:30

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

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

SBI Partnership Cards - UBI Card : Benefits

2008-11-10T12:40:00.000+05:30

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.

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

SBI Partnership Cards - SBI Social Card Eligibility Criteria

2008-11-10T12:29:00.000+05:30

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

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

SBI Partnership Cards - SBI Social Card Fees and Charges

2008-11-10T11:54:00.000+05:30

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

This information is brought to you by Harmony Infotech.
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SBI Partnership Cards - SBI Social Card Benefits

2008-11-10T11:38:00.000+05:30

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.
Contact us if you are looking for a new website.

SBI Partnership Cards - SBI Vishal Mega Mart Card Eligibility criteria

2008-11-10T11:17:00.000+05:30

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

2008-11-10T11:06:00.000+05:30

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

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

SBI Partnership Cards - SBI Vishal Mega Mart Card : Benefits

2008-11-10T10:42:00.000+05:30

SBI Vishal Mega Mart Card Benefits

Apply SBI Vishal Mega Mart Card Online

Vishal Retail Pvt. Ltd. :

Vishal Retail Pvt. Ltd. has been in the business of manufacturing and retailing readymade garments and garment accessories since 1994. The company retails a large variety of household, FMCG and consumer durable products at bargain prices through a chain of 25 self-owned stores called Vishal Mega Mart. Vishal Mega Mart covers a combined shopping area of 5,50,000 sq. ft. at 19 locations across India. Another 25 stores, including stores in tier-II cities, are planned to come up by end 2006, taking the total count to 50. Vishal Mega Mart's innovative and flexible supply chain solutions are customized to meet each customer's specific requirements. By focusing on improving people's lives through cost effective solutions. Vishal Mega Mart meets the varied demands of over 50,000 price sensitive customers each day across multiple locations.

Special Offer* :

The SBI Vishal Mega Mart card pampers you with great discounts, super reward program and exclusive deals & offers.

Worldwide acceptance :
Your SBI Vishal Mega Mart 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.

International Power Points :

Earn 3 times Power Points on International Spends on your PLATINUM CARD!
Now, Every Rs. 40 spent Internationally on your Platinum Card = 3 Power points
Instead of 1 Power Point for every Rs. 40 spent internationally, you will now earn 3 Power Points on your PLATINUM CARD!

Go ahead, dine, shop & travel in style and Gain MORE every time you spend!

Why wait to multiply your benefits? Go on, flex the power of your Platinum Card and watch your Points grow.

0% Fuel Surcharge :
Your SBI Vishal Mega Mart Card provides you with the unique benefit and convenience of a fuel surcharge waiver. Simply use your GoAir 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 purchase fuel for amounts between Rs. 400 and Rs. 3000 every time per transaction to avail this offer.

Cash on the go :

As a SBI Vishal Mega Mart 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 :

SBI Railway Card automatically gives you complete peace of mind with our 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 SBI Railway 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 Railway 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 Railway 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 Railway 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 Railway 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 :
SBI Railway 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 Railway 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 Railway 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 :

Manage your SBI Railway 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 SBI Railway Card Payment at over 6,000 SBI ATMs by using your State Bank ATM cum Debit Card.

SBI Card PayNet :

SBI Card PayCash :

Enhanced power to your family :

You can share the power of your SBI Railway 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.
Contact us if you are looking for a website builder.

SBI Partnership Card - SBI Railway Card Eligibility criteria

2008-11-08T17:27:00.000+05:30

SBI Railway 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 < class="arialwhiteSp">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

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 website name.

SBI Partnership Cards - SBI Railway Card Fees and Charges

2008-11-08T17:18:00.000+05:30

SBI Railway 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 business website.

SBI Partnership Cards - SBI Railway Card Benefits

2008-11-08T16:48:00.000+05:30

SBI Railway Card Benefits

Apply SBI Railway card online

Presenting the SBI Railway Card - The only credit card that gives you Free Train Tickets. The SBI Railway Card is brought to you by SBI Cards and Indian Railways through IRCTC (Indian Railway Catering and Tourism Corporation Limited).

Now Get Back Up to 10%* of your AC ticket fare as Railway Points :
Get 10% of you base fare as Railway Points, on AC class (except 3 AC) railway tickets through your complimentary membership to Shubh Yatra - Scheme for Frequent Traveller (SOFT).

0% Transaction Charge* on tickets booked at www.irctc.co.in :

Benefit from an exclusive 1.8% transaction charge waiver on your credit card transactions at www.irctc.co.in.

Earn FREE* tickets:

Shop, dine, travel on your SBI Railway Card and earn 1 Railway Point for every Rs. 125 of retail spends.

Rs 10 Lac Free* Personal Accident Insurance Protection :

Get a complimentary personal accident insurance cover of Rs. 10 lac in the event of loss of life resulting from a train accident, while traveling on a valid ticket.

SBI Railway Card Mega Value Offers* :

SBI Railway Card brings to you the most amazing deals to make spending on your SBI Railway Card even more exciting:

Worldwide acceptance :

Your SBI Railway 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 Railway Card provides you with the unique benefit and convenience of a fuel surcharge waiver. Simply use your SBI Railway 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 SBI Railway 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 :

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 Railway 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 :

SBI Railway 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 Railway 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 Railway 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 ATM Payment :

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

SBI Card PayNet :

SBI Card PayCash :

Enhanced power to your family :

You can share the power of your SBI Railway 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.
Contact us if you are looking for a create a website.

SBI Partnership Card - Lifestyle Credit Card Eligibility criteria

2008-11-08T16:26:00.000+05:30

Lifestyle Credit Card Eligibility criteria

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

Eligibility : The Lifestyle Credit Card is a special offer ONLY for members of the ' The Inner Circle '.

Where to Apply :To apply for the SBI Lifestyle card, SMS ' LIFESTYLE ' to 6767 or walk in to the nearest Lifestyle store at the following address

Bangalore : "Adarsh Opus", Richmond - Victoria Road Junction. Bangalore

Chennai: Chennai Citycentre, 10,11, Dr Radha Krishnan Salai, Near Kalyani Hospital, Mylapore, Chennai

Gurgaon: DLF City Centre, Mehrauli -Gurgaon Road, Gurgaon

Hyderabad : 6-3-1192, Begumpet Main Road, Kundan Bagh. Hyderabad.

Mumbai :
- "Runwal Arcade", 639, LBS Marg, Mulund West, Mumbai

Phoenix Mills Compound, Lower Parel, Mumbai

Inorbit Malls India Ltd. Plot No. 1406 - A, 28/A Link Road, Near Ford Show Room, Malad (W), Mumbai-64

New Delhi:MGF City Square Mark, Sivaji place, Raja Garden, new Delhi, 27

How to Apply : Fill up the application form and attach any one of the following documents :

- Latest and original non- SBI Card billing statement.

- Latest self attested Salary Slip.

- Non SBI Card chargeslip of Rs. 500/- or more from Lifestyle.

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

SBI Partnership Cards - Lifestyle Credit Card Fees and Charges

2008-11-08T16:03:00.000+05:30

Lifestyle Credit 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 ecommerce website.

SBI Partnership Cards - Lifestyle Credit Card Benefits

2008-11-08T15:47:00.000+05:30

Lifestyle Credit Card Benefits

Apply SBI Lifestyle Credit card online

Worldwide acceptance :
Your LG 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 LG SBI Card provides you with the unique benefit and convenience of a fuel surcharge waiver. Simply use your GoAir 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 purchase fuel for amounts between Rs. 400 and Rs. 3000 every time per transaction to avail this offer.

Cash on the go :
As a LG SBI 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 :
LG SBI Card automatically gives you complete peace of mind with our 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 LG 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 LG SBI 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 LG 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 LG 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 GoAir 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.

Book your railway tickets online :
LG 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 GoAir 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 Go Air SBI 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 :
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 Online :
Manage your LG 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 just click away. To get started, log on to www.sbicard.com and take advantage of these benefits.

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 LG 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.
Contact us if you are looking for a education website.

SBI Partnership Cards - LG SBI Card : Eligibility criteria

2008-11-08T12:56:00.000+05:30

LG SBI Card Eligibility criteria

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

Salaried :
If Income > Rs.1,20,000 pa
Latest IT return OR
Latest Form 16 OR
Latest salary slip
If Income < style="font-weight: bold;">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 flash websites.

SBI Partnership Cards - LG SBI Card Fees and Charges

2008-11-08T12:19:00.000+05:30

LG 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. 4,000
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 job website.

SBI Partnership Cards - LG SBI Card Benefits

2008-11-08T11:53:00.000+05:30

LG SBI Card Benefits

Apply LG SBI Card Online

LG SBI Card :

The LG SBI Card is brought to you by LG Electronics India Pvt Ltd. (LGEIL), the leader in Consumer Electronics and Home Appliances and SBI Card ( SBI Cards and Payments Services Pvt. Limited), one of the largest Credit Card issuers in India.
The LG - SBI Card is India's first co-branded credit card for the consumer appliances industry and combines all the exclusive features of SBI Card with a series of benefits and promotional offers from LGEIL .
On buying a product from LG, a consumer is eligible for this internationally valid co-branded card absolutely free for the first year. The card is an attempt at understanding LG customers and offering more in products, service and offers as rewards for their association with the brand.
Its is indeed simple to use your LG SBI CARD. It is accepted at 30 million VISA outlets across the globe. Irrespective of the currency used in the country you can access cash from over 810,000 VISA ATMs world wide including over 5,500 VISA ATMs in India, 251 SBI Card Cash points and more that 5200 State bank ATMs spread across over 100 cities in India.

Worldwide acceptance :
Your LG 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 LG SBI Card provides you with the unique benefit and convenience of a fuel surcharge waiver. Simply use your GoAir 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 purchase fuel for amounts between Rs. 400 and Rs. 3000 every time per transaction to avail this offer.

Cash on the go :
As a LG SBI 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 :
LG SBI Card automatically gives you complete peace of mind with our 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 LG 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 LG SBI 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 LG 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 LG 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 GoAir 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.

Book your railway tickets online :
LG 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 GoAir 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 Go Air SBI 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 :
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 Online :
Manage your LG 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 just click away. To get started, log on to www.sbicard.com and take advantage of these benefits.

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 LG 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.
Contact us if you are looking for a music website.

SBI Partnership Cards - Hero Honda SBI Card Eligibility criteria

2008-11-08T11:36:00.000+05:30

Hero Honda SBI 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

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

SBI Partnership Cards - Hero Honda SBI Card Fees and Charges

2008-11-08T11:02:00.000+05:30

Hero Honda 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. 4,000
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 content.

SBI Partnership Cards - Hero Honda SBI Card Benefits

2008-11-08T10:27:00.000+05:30

Hero Honda SBI Card Benefits

Apply Hero Honda SBI Card online

Worldwide acceptance :

Your Hero Honda 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 Hero Honda SBI Card provides you with the unique benefit and convenience of a fuel surcharge waiver. Simply use your Hero Honda 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 purchase fuel for amounts between Rs. 400 and Rs. 3000 every time per transaction to avail this offer.

Cash on the go :

As a Hero Honda SBI 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 :

Hero Honda SBI Card automatically gives you complete peace of mind with our 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 Hero Honda 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 Hero Honda 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 Hero Honda 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 Hero Honda 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 Hero Honda 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.

Book your railway tickets online :

Hero Honda 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 Hero Honda 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 Hero Honda SBI 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 :

Manage your Hero Honda 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 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 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 :

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.
Contact us if you are looking for a website directory.

SBI Partnership Cards - SBI Goair Terms & Conditions

2008-11-07T17:50:00.000+05:30

SBI Goair Terms & Conditions

All Offers are valid for all residents of India holding a valid GoAir SBI VISA Card ( i.e with no outstanding of more than 30 days ). Any dispute arising out of any offer / feature/ program existing or communicated in future shall not constitute a claim against SBI Card or GoAir and shall be subject to exclusive jurisdiction of competent courts in the state of Delhi. All pictures for offers shown/ shown in future communication would be only indicative. Offers/ Features/ Promotions can be modified / changed at any time.

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

SBI Partnership Cards - GoAir SBI Card Fees and Charges

2008-11-07T17:30:00.000+05:30

GoAir 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. 4,000
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 traffic.

SBI Partnership Cards - GoAir SBI Card : Benefits

2008-11-07T16:19:00.000+05:30

GoAir SBI Card:

Apply GoAir SBI Card Online

Worldwide acceptance : Your GoAir 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 GoAir 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.

Cash on the go :Your GoAir 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.

Guaranteed peace of mind:Your GoAir 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.

Utility Bill Payment Facility :

With the Easy Bill Pay facility from GoAir 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 GoAir 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 GoAir 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 GoAir 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) :

Book your railway tickets online :

Go Air 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 GoAir SBI Card.All you need to do is:
• Register free of cost on target="_blank">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 Go Air SBI 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
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 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 GoAir 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 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 GoAir 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

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 GoAir 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.
Contact us if you are looking for a games website.

SBI Silver & More Card Terms & Conditions

2008-11-07T16:12:00.000+05:30

Terms & Conditions

a). SBICPSL will, offer Cashback on the “SBI Gold & More and SBI Silver & More” Credit Card where the Card Account is without any overdues.

b). "Cashback "means a credit entry, subject to certain limits mentioned below, executed by SBICPSL on the Card Account based on Eligible Transactions.

c). "Cashback Percentage" means the percentage of the eligible transaction amount that would be given as "Cashback" and is subject to change as per the discretion of SBICPSL. However any such change would be informed to the CardHolder through communication of the same in the monthly Card billing statement atleast 30 days before any such change.

d). "Eligible Transaction" means a transaction (not being cash withdrawal, cash advance, loan or any other category of transactions as may be decided from time to time by SBICPSL at its sole discretion) belonging to “Promoted Category” successfully entered into using the Card and not charged back.

e). "Promoted Category" means a category of transactions promoted from time to time by and/ or subject to sole discretion of SBICPSL.

f). The promoted categories and the respective Cashback percentages for the “SBI Gold & More and SBI Silver & More” card unless otherwise intimated are: Departmental Stores– 2% Cashback, Groceries – 2% Cashback, Restaurants – 2% Cash back and Utility Bill Payment through Easy Bill Pay – 2% Cash back. Spends made on any other category (as defined by Merchant Category Code MCC) using SBI Gold & More and SBI Silver & More Card would not be entitled for any cash back.

g). The promoted categories defined from time to time shall have the same meaning as ascribed to the categories by Visa & Master Card under their respective Merchant Category Codes. (ie) The franchisees have listed qualifying criteria for merchant establishments in order to qualify to be listed under a specified category. (like departmental stores, groceries, restaurants etc) The merchant establishment needs to have accordingly qualified and hence listed in the “Promoted Category”, in order for the transaction to be eligible for the Cashback.

h). The sub categories and their respective MCCs under each of “Promoted” categories include the following:

a. Departmental Stores & Groceries –

i. Duty Free Stores – 5309
ii. Discount Stores – 5310
iii. Department Stores – 5311
iv. Grocery Stores & Supermarkets – 5411
v. Freezer, Locker, Meat Provisioners – 5422
vi. Dairy Product Stores – 5451
vii. Wholesale Clubs – 5300
viii. Candy Nut & Confectionary Stores – 5441

b. Restaurants –

i. Caterers – 5811
ii. Eating Places & Restaurants – 5812
iii. Bars Drinking Places – 5813
iv. Fast Food Restaurants – 581
v. Package Stores, Beer, Wine & Liquor – 5921
vi. Convenience Food Stores - 5499

i). The category of purchase will be decided on the basis of the Merchant Category Code (MCC) for the merchant establishment where the purchase is made. SBICPSL reserves the sole right to decide on whether a purchase meets the eligibility criteria as listed above.

j). The category of purchase (as listed in card guide) have been mapped to Merchant category Code (MCC) based on VISA / MasterCard standards. SBICPSL is NOT liable for any disputes that arise due to differences in merchant category code mapping maintained by acquiring banks.

k). Cardholder is requested to validate Merchant Category Code (MCC) from the merchant before making swipe on his card. Only the above listed MCCs shall entitle the cardholder for cash back on his card.

l). Cashback will be subject to a maximum of Rs. 500 per Calendar month i.e Rs 6000 p.a. - the cardholder will not earn any cash back for subsequent spends. After completion of 12 months, the cardholder can again start earning cash back.

m). SBICPSL will inform the Card Member / Account Holder about the Promoted Categories from time to time by indicating the same on the statement of the Card Account

n). Returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, card account fees and Charged back transactions would not be given a Cashback under this program.

o). CardHolders to note SBI Gold & More and SBI Silver & More Credit Card does not carry any Reward Points Program. Hence CardHolders would not be receiving any Reward Points under this program.

p). The CardHolders and the Add on card Holder, by signing on the application form for the "SBI Gold & More and SBI Silver & More" Card expressly agree that SBICPSL’s decision on eligibility and correctness of the Cashback given to be final and binding

q). SBI Card’s computation of cash back shall be final, conclusive and binding on cardholders and will not be liable to be disputed or questioned.

r). Spend Category Specific:

a. Departmental Stores & Groceries: The cardholder will get cash back in all standalone departmental stores and grocery outlets and these do not include grocery or departmental stores operating within large format stores or shopping malls.

b. Restaurants: Cash back will not accrue on spends incurred at restaurants located within the premises of hotels and resorts.

c. Utilities Bill Payment: Cash back will accrue only for bill payments done through Easy Bill Pay (i.e. Bill Payment product offered by SBICPSL).

s). SBICPSL has the right to include more “Promoted Category” / Merchant Category Code or exclude certain existing categories / Merchant Category Codes from the product proposition.

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

SBI Silver & More Card Fees and Charges

2008-11-07T15:36:00.000+05:30

SBI Silver & More 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. 5000/-
Annual Fee (p.a.) : Upto Rs. 1500/-
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 singletransaction 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 designers.

SBI Silver & More Card Benefits

2008-11-07T12:28:00.000+05:30

SBI Silver & More Card Benefits

Apply SBI Silver & More Card Online

Cash Back in Departmental Stores & Groceries :Be it the plush Departmental store or a humble grocery, if they accept credit cards get a 2% Cash Back. No questions asked.

Cash Back in Restaurants : Be it up market specialty restaurants or the way side cafe, expect a sumptuous 2% cash Back for every transaction.

Cash Back on Utility Bill Payment :Now whether you are paying telephone, electricity or water bills through "Easy Bill Pay", get 2% cash for every bill payment.

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 MasterCard 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 :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.

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.

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.

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

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 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 Card visit us at www.sbicard.com or call your local 24-hr SBI Card Customer Helpline.

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 website information.

SBI Gold & More Card Terms & Conditions

2008-11-07T12:17:00.001+05:30

Terms & Conditions

a). SBICPSL will, offer Cashback on the “SBI Gold & More and SBI Silver & More” Credit Card where the Card Account is without any overdues.

b). "Cashback "means a credit entry, subject to certain limits mentioned below, executed by SBICPSL on the Card Account based on Eligible Transactions.

c). "Cashback Percentage" means the percentage of the eligible transaction amount that would be given as "Cashback" and is subject to change as per the discretion of SBICPSL. However any such change would be informed to the CardHolder through communication of the same in the monthly Card billing statement atleast 30 days before any such change.

d). "Eligible Transaction" means a transaction (not being cash withdrawal, cash advance, loan or any other category of transactions as may be decided from time to time by SBICPSL at its sole discretion) belonging to “Promoted Category” successfully entered into using the Card and not charged back.

e). "Promoted Category" means a category of transactions promoted from time to time by and/ or subject to sole discretion of SBICPSL.

f). The promoted categories and the respective Cashback percentages for the “SBI Gold & More and SBI Silver & More” card unless otherwise intimated are: Departmental Stores– 2% Cashback, Groceries – 2% Cashback, Restaurants – 2% Cash back and Utility Bill Payment through Easy Bill Pay – 2% Cash back. Spends made on any other category (as defined by Merchant Category Code MCC) using SBI Gold & More and SBI Silver & More Card would not be entitled for any cash back.

g). The promoted categories defined from time to time shall have the same meaning as ascribed to the categories by Visa & Master Card under their respective Merchant Category Codes. (ie) The franchisees have listed qualifying criteria for merchant establishments in order to qualify to be listed under a specified category. (like departmental stores, groceries, restaurants etc) The merchant establishment needs to have accordingly qualified and hence listed in the “Promoted Category”, in order for the transaction to be eligible for the Cashback.

h). The sub categories and their respective MCCs under each of “Promoted” categories include the following:

a. Departmental Stores & Groceries –

i. Duty Free Stores – 5309

ii. Discount Stores – 5310

iii. Department Stores – 5311

iv. Grocery Stores & Supermarkets – 5411

v. Freezer, Locker, Meat Provisioners – 5422

vi. Dairy Product Stores – 5451

vii. Wholesale Clubs – 5300

viii. Candy Nut & Confectionary Stores – 5441

b. Restaurants –

i. Caterers – 5811

ii. Eating Places & Restaurants – 5812

iii. Bars Drinking Places – 5813

iv. Fast Food Restaurants – 5814

v. Package Stores, Beer, Wine & Liquor – 5921

vi. Convenience Food Stores - 5499

i). The category of purchase will be decided on the basis of the Merchant Category Code (MCC) for the merchant establishment where the purchase is made. SBICPSL reserves the sole right to decide on whether a purchase meets the eligibility criteria as listed above.

j). The category of purchase (as listed in card guide) have been mapped to Merchant category Code (MCC) based on VISA / MasterCard standards. SBICPSL is NOT liable for any disputes that arise due to differences in merchant category code mapping maintained by acquiring banks.

k). Cardholder is requested to validate Merchant Category Code (MCC) from the merchant before making swipe on his card. Only the above listed MCCs shall entitle the cardholder for cash back on his card.

l). Cashback will be subject to a maximum of Rs. 500 per Calendar month i.e Rs 6000 p.a. - the cardholder will not earn any cash back for subsequent spends. After completion of 12 months, the cardholder can again start earning cash back.

m). SBICPSL will inform the Card Member / Account Holder about the Promoted Categories from time to time by indicating the same on the statement of the Card Account

n). Returned purchases, disputed or unauthorized/fraudulent transactions, finance charges, card account fees and Charged back transactions would not be given a Cashback under this program.

o). CardHolders to note SBI Gold & More and SBI Silver & More Credit Card does not carry any Reward Points Program. Hence CardHolders would not be receiving any Reward Points under this program.

p). The CardHolders and the Add on card Holder, by signing on the application form for the "SBI Gold & More and SBI Silver & More" Card expressly agree that SBICPSL’s decision on eligibility and correctness of the Cashback given to be final and binding

q). SBI Card’s computation of cash back shall be final, conclusive and binding on cardholders and will not be liable to be disputed or questioned.

r). Spend Category Specific:

a. Departmental Stores & Groceries: The cardholder will get cash back in all standalone departmental stores and grocery outlets and these do not include grocery or departmental stores operating within large format stores or shopping malls.

b. Restaurants: Cash back will not accrue on spends incurred at restaurants located within the premises of hotels and resorts.

c. Utilities Bill Payment: Cash back will accrue only for bill payments done through Easy Bill Pay (i.e. Bill Payment product offered by SBICPSL).

s). SBICPSL has the right to include more “Promoted Category” / Merchant Category Code or exclude certain existing categories / Merchant Category Codes from the product proposition.

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SBI Gold & More Card Fees and Charges

2008-11-07T11:44:00.000+05:30

SBI Gold & More Card Fees and Charges

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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SBI Gold & More Card Benefits

2008-11-07T11:00:00.000+05:30

SBI Gold & More Card : Benefits

Apply SBI Gold & More Card online

Benefits

Cash Back in Departmental Stores & Groceries :
Be it the plush Departmental store or a humble grocery, if they accept credit cards get a 2% Cash Back. No questions asked.

Cash Back in Restaurants :
Be it up market specialty restaurants or the way side cafe, expect a sumptuous 2% cash Back for every transaction.

Cash Back on Utility Bill Payment :
Now whether you are paying telephone, electricity or water bills through "Easy Bill Pay", get 2% cash for every bill payment.

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 MasterCard 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.

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.

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.

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 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 Card visit us at www.sbicard.com or call your local 24-hr SBI Card Customer Helpline.

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

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SBI Platinum Credit Card Fees and Charges

2008-11-06T12:01:00.000+05:30

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.

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 Platinum Card Benefits

2008-11-05T17:22:00.000+05:30

SBI Platinum Card Benefits

Apply SBI Platinum Card on line

Exclusive Travel Privileges :

Platinum Dining

Other Exclusive Privileges

Global Card

Add On Card

Platinum card Features

Fuel Freedom

Easy Bill Pay Facility at Zero Charge

Flexipay Installment Plan

Balance Transfer at low interest rates

Exclusive life style Privileges :

Convenience @ the Speed of Technology

Power Points

Cash Access across the World

Easy Money Draft

Credit Facility

Online Railway Tickets booking

Exclusive Travel Privileges:

Movie Tickets :

While in Delhi, Mumbai, Bangalore & Chennai simply

call for the contact details of the best theatres to

watch the latest movies.

Sourcing of Luxury Items :

Looking for an anniversary gift or the choicest of

wines to celebrate? Simply call us for information

pertaining to the purchase of luxury products (eg: a

Louis Vuitton Handbag, a bottle of wine of a certain

vintage etc.). We would also be happy to source your

desired item for you.

Flower & Gift Delivery :

Surprise that special person in your life with

beautiful flowers or gifts or both- One phone call

will have the same arranged and delivered.

Airline Ticket Reservation Assistance :

You no longer need to call different travel agents to

find the best airline deals. Simply call our in house

travel desk and we would be happy to book you on an

airline of your choice and at a time you desire.

Utility Bill Payments :

Your monthly bill payments are now our headache.

Simply call us referral information regarding service

providers for the same. You can also have your cheque

dropped by us.

Auto Assistance Services :

India- The services will only be provided in the four

metros, Bangalore and Hyderabad.

Roadside Repair Service :

Scared of a vehicle break-down in the middle of no where?

Just keep our numbers handy and we would arrange for

a technician for you at the breakdown location

Emergency Towing Assistance :

And if your car is not immediately repairable, we

would also arrange for getting it towed to the

nearest repair shop of your choice.

Travel Related Assistance Services :

Pretrip Information Services :

Call us from anywhere in the world for getting

information concerning visas and inoculation

requirements for the various countries that you may

want to travel to.

Embassy Referral :

We can provide information: address, telephone number

and hours of opening of the nearest consulate and

embassy worldwide.

Lost Passport Assistance :

We understand the importance of crucial travel

documents like your Passport & Visa. Therefore, we

will be able to provide assistance and guidance

towards replacement and recovery of the same, if you

call us.

Lost Luggage Assistance :

In the unfortunate event that your luggage has got

lost during travel abroad, we will be able to provide

directions for recovery.

Global Concierge Services are being handled by our

service partner International SOS, who, are experts

in this field of activity. They are available 24

hours a day, 365 days a year, and are just a phone

call away. They can be called over a Toll Free Number

from MTNL & BSNL lines 1800 114 445 from anywhere in

India, or through a dedicated helpline 011- 41898877

from anywhere in the world. The above services are

purely on referral/arrangement basis only.

Cardholders are responsible for all 3rd party

expenses i.e. cost of product/service & cost of

delivery at actuals. International SOS shall not be

responsible for the same.

Platinum Dining :

Indulge your palate with Platinum Card dining

featuring over hundreds of restaurants spread across

the world. Also help yourself to special privileges

ranging from complimentary aperitifs and desserts,

special menus and private dining experiences.

Log on to www.visaplatinum.com for more offers.

Other Exclusive Privileges :

Lifestyle Offers :

Live it up in Style :

The Platinum Card compliments your taste for the good

life. It is precisely why we have put together a

selection of offers especially handpicked for you. Go

ahead, expand your life and live it up in style.

Log on to www.visaplatinum.com for more offers.

Global Card

Honoured in 2 million Visa outlets worldwide and

2,85,000 Visa outlets in India, your SBI Card fulfils

your every wish at every turn. No matter where you

are, privileges flow from your SBI Card.

Add On Card

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.

Exclusive Life Style Privileges

Convenience @ the Speed of Technology :

Access your account on the net from the comfort of

your office or home. Track your spends through

password protected PDF statements ; get special

offers via SMS and e-mails.

E-statements

No postal delays or lost statements. Get your monthly

statement directly in your e-mail inbox. This gives

you global access 24 by 7.

SMS Alerts :

Stay informed wherever you are. Keep abreast with

your credit card status, mini statements, payment

confirmations, credit and cash limit updates.

To subscribe to SMS Alerts, visit www.sbicard.com or

call the 24-hour SBI Card Helpline.

SBI Card Online :

Manage your SBI Card account at the click of a mouse.

Check your monthly statements online, key in your

change of address or find the State Bank ATM nearest

to you. To get started, log on to www.sbicard.com and

Power Points :

he most powerful rewards programme makes shopping on

your SBI Card even better. Get Power Points for every

purchase you make. Earn one power point on every Rs.

40 spent on your SBI Card. Special Offer: Earn 3

power points on every Rs. 40 spent Internationally on

your SBI Card. And redeem these power points against

a host of Rewards:

Gift Vouchers :

Valid at Tanishq, Nike, Levi s, Hidesign and other

high-end brands.

A variety of top-of-the-line gifts:

Travel bags, wallets, watches, electronic items and

lots more.

Reward Points also applicable on Cash Withdrawals &; Fuel Purchases

How to redeem your gift :

Once you have earned the required number for reward

points, make sure you request for your gift by :

- Logging onto www.sbicard.com

- Calling the 24-hour SBI Card Helpline

Your gift will be sent to your mailing address.

Cash Access across the World :

With your SBI Card you have instant access at 1 million Visa ATMs worldwide including over 18,000Visa ATMs in India and more than 8,000 State Bank ATMs spread across more than 100 cities in India.

Platinum Card Features :

Fuel Freedom :

No Surcharge in any city on any pump

Simply use your card to buy petrol, diesel and

lubricants at any petrol pump in the World without

having to pay any transaction fee. All you have to do

is to purchase fuel for amounts between Rs. 400/- andRs. 4,000/- each time.

Easy Bill Pay Facility at Zero Charge :

A FREE service that ensures your utility bills

(electricity, mobile, insurance and telephone) are

paid on time. Earn Reward Points on payments made.

Start using your Easy Bill Pay Facility:

. Give us standing instructions to make payments on

your behalf every month ;OR

. Call the 24-hour SBI Card Helpline with

instructions to make immediate payments

Flexipay Installment Plan :

Buy anything that catches your fancy and make your

repayments in easy monthly installments. Choose the

plan that suits you best. Take advantage of a low

interest rate.

To activate Flexipay, call the 24-hour SBI Card

Helpline within 10 days of making your purchase.

Balance Transfer at low interest rates :

Your SBI Card ensures you enjoy high savings with low

interest rates. Just transfer the balances from your

other Bank Credit Card to your SBI Card and enjoy.

Balance Transfer Plans as suited to your financial needs :

To avail this facility, the amount transferred should

be a minimum of Rs. 5,000 or upto a maximum of 75% of

your available credit limit on the SBI Card,

whichever is higher. Processing Fee would be charged

as applicable. For more details please call the

24-hour SBI Card Helpline.

Easy Money Draft :

Just call the 24-hour SBI Card Helpline and order a

bank draft anytime you wish. The draft amount will be

billed directly to your SBI Card. The service is

useful for payments of various bills, taxes, fees anda lot else.

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. Terms and Conditions

Online Railway Tickets booking :

Your SBI Card offers you the convenience of booking

your railway tickets online and getting them

delivered at your doorstep.

All you need to do is:

. Register free of cost on www.irctc.co.in

. Log-in with your user name and password on

www.irctc.co.in

. Follow instructions on the website to make your reservations

. Make payments through your SBI Card at the payment

gateways that accept a Visa ;Card

All transactions on www.irctc.co.in are governed by

the terms ; conditions of www.irctc.co.in

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Information about SBI (State Bank of India) Credit Cards...

2008-09-28T21:52:00.000+05:30

This blog will be used to post information about credit cards being offered by SBI ie State Bank of India, the largest bank in India. We will be finding out all the relevant information about sbi credit cards, their plusses and minuses , how you can apply for one and what is the minimum requirements for them. And most of the traffic on this blog is supposed to come from search engines and will consist of peoples who are searching for "Credit Cards" or "SBI Credit Cards" in general and we want to make sure that we are listed on first page. Most probably it will be a tough task but hopefully we will be able to do it.
We will also post some tips and tricks to better utilize your credit card and to avoid the common pitfalls associated with credit cards in general. Credit Cards are really usefull if they are utilized properly but they can also become a point of worry if they are misused. And it is very easy to get misled with them as more and more companies are offering credit cards to every person with little or no credit history and you have to be carefull not to gobble up each and every card offered to you. And you should be aware of the hidden terms and conditions as it is very easy to fall prey to the "free for life" offers.
So this is the first post and you can expect more such posts in near term.

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