Oriental Bank of Commerce SBI Credit Card

Welcome Benefits- 2,000 Reward Points on spending Rs.2,000 within 60 days of receiving the card.

Reward Points- 1 reward point per Rs.100 spent on all other categories.

Accelerated Rewards- 10 Reward Points on every Rs. 100 spent every time you make departmental store and grocery purchases.

Fuel Surcharge Waiver- 2.5% fuel surcharge* across all petrol pumps. 

*Fuel surcharge waiver is valid for transactions ranging from Rs.500-Rs.3,000. Maximum surcharge waiver of Rs.100 p.m. per credit card account.

Flexipay- You can Make big purchases on your card and convert them to easy EMIs.

Annual Fee Waiver- Complete waiver of Annual Fee (Rs.500) if spends in previous year are greater than Rs.75,000.

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

Following are the fees and charges associated with the card:

Fees / Charges	Amount
Annual Fee	Rs.500 (waived on spending Rs.75,000)
Add-On Fee	Nil
Interest free credit period	20-50 days, applicable only on retail purchases and if previous months’ outstanding balance is paid
Finance charges	Up to 3.35% per month, accounting to 40.2% per annum from the transaction
Minimum amount due	5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)
Cash Advance Limit	Up to 80% of credit limit, with a maximum of Rs. 12,000 per day
Cash Advance Fee	SBI or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500 International ATM: 2.5% of transaction amount, subject to a minimum of Rs. 500
Late Payment Fee	NIL for Total Amount due from Rs.0-Rs.500;  Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1,000;  Rs. 750 for Total Amount due greater than Rs. 1,000 & up to Rs. 10,000;  Rs. 950 for Total Amount due greater than Rs. 10,000 & up to Rs. 25,000  Rs. 1,100 for Total Amount due greater than Rs. 25,000 & up to Rs. 50,000  Rs. 1,300 for Total Amount due greater than Rs. 50,000
Overlimit Fee	2.5% of overlimit amount subject to a minimum of Rs. 500
Foreign currency transaction	Conversion mark up to 3.5%

Eligibility Criteria- Applicants should meet the following eligibility criteria in order to be eligible for this credit card:

• Should be salaried or self-employed
• Should fall in the age bracket of 18 to 65 years
• Should be a resident of India

Documents Required- The following documents are required to be submitted:

Proof of Identity	PAN Card, Aadhar Card, Voter ID Card, Passport, Driving License, Any other government-approved photo ID
Proof of Address	Aadhar Card, Passport, Utility Bills (not more than 3 months old), Any other government approved ID
Proof of Income	Bank statement for the last 3 months, Salary slips for the last 3 months, Audited financials for the last two years (for self-employed), Form 16

To apply for your Oriental Bank of Commerce SBI Credit Card, you can visit the nearest Oriental Bank of Commerce branch. The bank executive will assist you regarding the further application process.

Can I use my OBC SBI credit card for international transactions?

Yes, your card can be used for international spending and transactions.

What are the ways to redeem Reward Points?

The reward points accumulated on the OBC SBI Card can be redeemed in the following manner:

• By using the SBI card account
• By using the SBI Card Mobile App account

To redeem reward points against cash by calling customer care number or by sending an e-mail to ‘sbicard.com/email’.

Can I check the summary of my accumulated reward points?

Yes, you can check the summary of your accumulated reward points by following any one of the below-given ways:

• By sending an SMS in the following format [REWARDS XXXX] to 5676791. Here XXXX is the last 4 digits of the credit card number. The SMS should be sent from the registered mobile number.
• By logging in to SBI Card account
• By logging in to SBI Card Mobile App Account
• By referring to the latest credit card statement

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.

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 SBI credit card?

Yes, you can withdraw cash using your Oriental Bank of Commerce SBI credit card.