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Oriental Bank of Commerce Credit Card

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Updated: 17-08-2025 08:34:34 AM

Please Note: Oriental Bank of Commerce  is not a Paisabazaar partner. Offers would be from partner Banks/NBFCs only. 

Top Oriental Bank of Commerce Credit Cards in India 2025

Top OBC Credit Cards Annual Fee/Renewal Fee Key Feature
OBC SBI Gold Card Rs.499 Get 2000 bonus reward points on spending Rs.2000 within 60 days of card receiving
OBC SBI Platinum Card Rs.2999 Get e-gift vouchers worth Rs.3000 as your welcome gift

Points to Note:

● The above-mentioned variants are introduced by OBC in collaboration with SBI
● Both the variants (Gold and Platinum) are available as Secured as well as Unsecured credit cards

Read more on this Page
OBC Credit Cards Features and Benefits
OBC SBI Gold Credit Card
OBC SBI Platinum Card
OBC Credit Cards Fee and Charges
Eligibility and Documents Required
How to apply for OBC credit cards?
OBC Credit Card Customer Care
FAQs
OBC Credit Cards Features and Benefits

The Oriental Bank of Commerce in association with State Bank of India offers 2 co-branded credit cards. The cards provide you reward points every time you shop which can later be redeemed against outstanding balance or gifts. Both the cards fulfil all your requirements including shopping, dining etc. The significant features of OBC Credit Cards are given below:

OBC SBI Gold Credit Card
Best Suited for: Reward Points
Key Highlights

Bonus Points- Spend Rs.2000 within 60 days of receiving your card and get 2000 bonus reward points (worth Rs.500). The accumulated points can then be redeemed against rewards catalogue or cash.

Cashback- Get Rs.100 cashback on your first ATM withdrawal within 30 days of receiving the card.

Reward Points- Avail 2.50%  value back on all Grocery and Departmental Store purchases. Also earn 1 reward point on every Rs.100 spent on other categories.

Anniversary Gift- Get your annual membership fee reversed. To avail the fee reversal facility, you need to have spent more than Rs.90,000 on your card in the previous year.

Fuel Surcharge Waiver- Get 2.50% fuel surcharge waiver on transactions from Rs.500 to Rs.3000 (Maximum waiver of Rs.100 per statement cycle)

Worldwide Acceptance- You can use your card in over 24 million outlets across the globe. Use your card to make payments at any outlet that accepts Visa or MasterCard.

OBC SBI Platinum Card
Best Suited for: Reward Points
Key Highlights

Welcome Gift- After you pay your annual fee, choose e-gift vouchers worth Rs.3000 from the following brands:

  • BATA / Hush Puppies
  • Marks & Spencer
  • Shoppers Stop
  • Westside
  • Yatra

Reward Points- Earn 5X reward points on dining, grocery, departmental store and international purchases. Get 2 reward points on every Rs.100 spent on other categories.

Anniversary Gift- On previous year annual spends of Rs.2 lakh, get e-gift vouchers worth Rs.3000 from the following list of brands:

  • BATA / Hush Puppies
  • Marks & Spencer
  • Shoppers Stop
  • Westside
  • Yatra

Milestones Benefit- On achieving annual spends above Rs.4 lakh, choose any e-gift vouchers Rs.3000 from any of the above mentioned brands.

Fuel Surcharge Waiver- Get 2.50% fuel surcharge waiver on transaction of Rs.500 to Rs.4000 (Maximum waiver of Rs.250 per statement cycle).

Priority Pass Membership- Get free priority pass membership worth $99. You have to pay usage fees worth $27.

Also Read: OBC Credit Card Reward Points

OBC Credit Cards Fee and Charges

Given below is the list of relevant fees and charges associated with OBC Credit Card variants.

Primary Feature Fees / Charges
Annual Fee Gold: Rs.499

Platinum: Rs.2999
Renewal Fee Gold: Rs.499

Platinum: Rs.2999
Interest Free Credit Period 20-50 days
Finance Charges Up to 3.35% per month (For Unsecured Card)

Up to 2.50% per month (For Secured Card)
Minimum Amount Due 5% of Total Outstanding (Min. Rs.200 + all applicable taxes + EMI
Cash Advance Limit Up to 80% of credit limit, with a maximum of Rs.12,000 per day
Late Payment Fee NIL for Total Amount due from Rs.0-Rs.200;

Rs.100 for Total Amount due greater than Rs.200 & up to Rs.500;

Rs.400 for Total Amount due greater than Rs.500 & up to Rs.1000;

Rs.600 for Total Amount due greater than Rs.1000 & up to Rs.10,000;

Rs.800 for Total Amount due greater than Rs.10,000 & up to Rs.25,000;

Rs.950 for Total Amount due greater than Rs.25,000
Foreign Currency Markup 3.50%
Rewards Redemption Fee Rs.99
Card Replacement Fee Rs.100
Eligibility and Documents Required

The Oriental Bank of Commerce has set the eligibility criteria keeping in mind certain significant factors including credit score, income, age etc. However the criteria varies according to the chosen card. Also, the bank reserves absolute discretion to accept or reject any credit card application.

Documents Required for OBC credit cards:

Proof of Identity PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI
Proof of Address Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement
Proof of Income Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement
How to apply for OBC credit cards?

If you wish to apply for any Oriental Bank of Commerce Credit Card variant, you can easily do so by visiting the nearest branch. Follow the below listed instructions:

  1. Visit the nearest OBC branch.
  2. Go to the bank’s representative and request for credit card application form.
  3. Fill the application form with all the required details.
  4. Submit the duly completed form with all the required documents.
  5. Upon submission, the bank will review and verify your application.
  6. After successful verification, the card will be dispatched at your location.
OBC Credit Card Customer Care

For any credit card related query, you can contact the bank’s customer care for grievance redressal. Call on 39 02 02 02 OR 1860 180 1290 (BSNL / MTNL Lines) Alternatively, you can also drop an email at feedback@sbicard.com for queries related to OBC credit cards.

FAQs

Who is eligible to apply for an add-on credit card under OBC-SBI credit card scheme?

The primary cardholder can apply for an add-on card for his or her family members. Also, children and siblings of the primary card holder should be 18 years old or above in order to be eligible for the same.

How can I close my OBC Credit Card?

You can close your OBC credit card by calling the phone banking number of your city, or online through net banking facility or by visiting the nearest branch of OBC.

What should I do if I lose my card or in case it gets stolen?

If you lose your credit card you should immediately call on the bank’s helpline numbers and get the card blocked.

Can I withdraw cash from ATMs using OBC credit cards?

Yes, you can withdraw cash using your OBC credit card.

Suggested Read: How to Withdraw Cash from Credit Card?

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