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SBI Corporate Utility Card

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Updated: 09-09-2025 06:18:04 AM

SBI Card offers a range of credit cards for individuals as well as corporates. Each of the credit cards offered by the bank has a unique combination of rewards and privileges which promise something extra to the cardholder. When it comes to corporate credit cards too, SBI Corporate Utility Card is among the most popular ones. It is primarily designed to pay off the utility bills of corporates with convenience.

Features and Benefits of SBI Corporate Utility Card
SBI Corporate Utility Card- Fees and Charges
How to Apply for SBI Corporate Utility Card

Features and Benefits of SBI Corporate Utility Card

  • The card allows you to pay your utility bills online at any time of the day. You can log onto payments.billdesk.com/corporate and pay your bills online.
  • A free Fidelity Guarantee Insurance is offered with the card which offers protection against corporate card liability due to a fraud committed by the employee of the company. The claim settlement process of the insurance cover is simple and easy.
  • Fraud related insurance cover is allowed up to the credit limit per card subject to a maximum coverage of ₹ 2 Lakhs. The entire organisation can avail a fraud insurance cover for up to ₹ 60 Lakhs on all credit cards issued in its name.
  • The card helps corporates control the spending done by their employees using the card. Payment of utility bills like gas bills, telephone bills, electricity bills, etc. can be made directly through the card.
  • Two credit card statements are issued every month where one is company level statement and the other is employee level.
  • The card allows consolidated single payment to a particular biller for the bills of multiple employees.
  • The spending on the card can be controlled and monitored using Visa Intellink Spend Management System.
  • The card also allows facilities of customised MIS and spending analytics.
  • A dedicated team of relationship managers and customer service executives is available for any query pertaining to the SBI Corporate Utility Card.
  • The card is enabled with a chip and PIN feature which makes it completely safe and secure to use.

SBI Corporate Utility Card- Fees and Charges

The table given below shows the fees and charges applicable on this corporate credit card-

Fee/Charge Amount
Annual Fee Nil
Renewal Fee Nil
Interest Free Credit Period 15-32 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full
Finance Charges Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction.
Minimum Amount Due There is no minimum due. The total amount should be paid in full per month.
Cash Advance limit (if applicable) Variable limit
Cash Advance Charges Up to 3.35% per month accounting to 40.2% per annum from the date of withdrawal
Cash Advance Fee SBI or Other Domestic ATMs Up to 2.5% of withdrawal or ₹ 450 per transaction, whichever is higher
Cash Advance fee International ATMs Up to 3% of withdrawal or ₹ 450 per transaction, whichever is higher
Foreign Exchange Markup Fee Up to 3.5%
Late Payment Fee • Nil for total amount due from ₹ 0 to ₹ 200
• ₹ 100 for total amount due greater than ₹ 200 and up to ₹ 500
• ₹ 400 for total amount due greater than ₹ 500 and up to ₹ 1,000
• ₹ 500 for total amount due greater than ₹ 1,000 and up to ₹ 10,000
• ₹ 750 for total amount due greater than ₹ 10,000

How to Apply for SBI Corporate Utility Card

To apply for this credit card, you should contact SBI Card directly. The online application facility is not open for this card. The eligibility will also be decided by the bank once you show your interest in applying for this particular card. If you already have a corporate relationship with the bank, there are good chances that you would get approved for it.

Thus, the corporate credit card offered by SBI Bank is a good card for enabling the employees of an organisation to make payments of their utility bills easily. Though the card is given to employees, there is enough security provided to the corporates against frauds or misuse done by employees. So, organisations can easily avail SBI’s Corporate Utility Card for their employees and simplify the way their employees pay utility bills.

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