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Syndicate Bank Credit Card

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Updated: 12-06-2020 10:05:43 AM

Syndicate Bank offers Global Credit Cards with consummate features and worthwhile offer to make it one of the best credit cards available for Indian Consumers.

Variants of credit card from Syndicate bank:
Variants of credit card from Syndicate bank:

Credit card offered by Syndicate bank comes in tow variants

        I. Syndicate Classic Card

      II.  Syndicate Gold Card

 i.  Classic Syndicate Credit card

The features of syndicate classic credit card are

Ø  Personalized credit card with Photo & Signature embossed on the card.

Ø  Zero enrollments or annual fee for new credit cards

Ø  Feature of Add-on Credit Cards offered to the immediate family members excluding minor.

Ø  Syndicate Bank Credit Card is issued in alliance with VISA.

Ø  Syndicate cards are globally acceptable over all Visa verified outlets.

Ø  Cash Withdrawal facility available at over 1700 Syndicate Bank ATMs and over 1.20 lakhs ATMs Visa verified ATM in India & over 25 Lakh globally.

Ø  POS purchases using classic Syndicate cards is available at over 9 Lakhs VISA Merchant Establishments in India & over 300 million Visa Merchants across the Globe

Ø  Preapproved card available for customers with existing Housing Loans, Term Deposits, Pigmy Deposits, Four Wheeler Loan customers, Defense Personnel & Judges

Ø  One of the benefits of Syndicate credit cards is the pre-approved offer by syndicate bank come with a predefined spending limit and without any income proof.

Ø  Syndicate credit card offers interest-free period up to 50 days

Ø  The Interest free credit period is not available in case total payment amount is less than Total Payment Due or if cash advance has been obtained from ATM.

Ø  24x7 Customer service Help Line on toll free number.

ii. Gold Syndicate Credit Card

The features of Gold credit card from Syndicate bank are.

Ø  Nil enrollment fees or annual fee for new credit cards

Ø  Globally Acceptable over all VISA outlets.

Ø  Preapproved card available for Housing Loan customers, Term Deposit Customers, Pigmy Deposit Customers, Four Wheeler Loan customers, Defense Personnel & Judges

Ø  Personalized Gold credit card with Photo & Signature embossed on the card.

Ø  Add on Gold Syndicate cards is available for family members excluding minor.

Ø  POS purchases available at over 9 Lakhs VISA Merchant Establishments in India & over 300 million Visa Merchants across the Globe

Ø  Cash Withdrawal facility available at over 1700Syndicate Bank ATMs and over 1.20 lakhs ATMs Visa verified ATM in India & over 25 Lakh globally

Ø  The preapproved credit cards offered by Syndicate bank come with a predefined spending limit and without any income proof.

Ø  Gold Syndicate credit card offers interest-free period up to 50 days

Ø  24x7 customer service helpline on toll free number

Eligibility Criteria
Eligibility Criteria

Syndicate credit card is offered to applicant who are.

  • Resident or working within functional operational area of the Card Issuing Branch.
  • Preferably is an existing customer of syndicate Bank having sound operations in the account with syndicate branch for at least 6 months.
  • Holds Permanent Account Number (PAN) issued by Income Tax Department.
  • Not a minor or an illiterate person.
  • Gold credit card is available for individuals aged between 21 years to 60 years, wherein the minimum annual income should be Rs. 1.5 lakhs for salaried person and Rs. 2 lakhs for self employed or business concern.
  • The gold credit card is not available for Senior Citizens & Pensioners.
  • The Minimum Annual Income for classic credit card should be Rs. 60,000 for salaried person /Senior Citizens /Pensioners and Rs. 1 lakh for self employed or business concern.

Documents required for syndicate credit card

  • Address proof
  • Identity proof
  • Copy of the Aadhar Card
  • Copy of the PAN Card
  • Proof of income as Salary Slip, Form 16, Acknowledged IT Return Form.
  • For self Employed or business entity, last 2 years’ ITR and audited balance sheet is required.

Syndicate bank credit card to NRI/PIO

Syndicate bank offers credit card to NRI / PIO as well, however subject to bank’s certain conditions.

All the branches of the syndicate Bank can issue Credit Cards to NRIs/PIOs.

Documentation requirements for NRI/PIO

  • Passport Copy, valid Visa or any corresponding proof of stay abroad.
  • Income Proof, if the required deposits is not held with the syndicate bank branch.
  • Employment / Business Proof
  • Details of deposits or accounts held with the branch.
  • Monthly Standing Instructions can be used to debit monthly credit card due amount from a specific SB-NRE/NRO account.

Syndicate bank Credit Card Rewards Point Redemption

The syndicate bank credit card holder can redeem his accumulated Reward Points on credit card vide following modes -

  • As  a payment against renewal fee of the existing syndicate Credit Card
  • Encashment of reward point in multiples of 500 points, subject to a minimum of 500 points.
  • For encashment the card holder will receive Rs.0.50 per reward point
Apply for Syndicate Bank credit card
Apply for Syndicate Bank credit card

You can apply for a Syndicate Bank credit card by logging on to the Paisabazaar website. All you need to do is provide some key details for the eligibility criteria and submit the application form electronically. If you qualify for a credit card from Syndicate Bank, a bank representative will get in touch with you to complete the various formalities.

Customer service assistance over phone for Syndicate credit card holder

Syndicate bank offers below mentioned services to its card holder through its 24x7 customer service assistance.

Ø  Report of loss/ theft etc of the card

Ø  Balance & Transaction Inquiry

Ø  Billing Statement inquiry

Ø  Duplicate Statement request or Statement not received

Ø  PIN not received or working/ Request for Duplicate PIN.

Ø  Card Decline / Non authorization of transactions.

Ø  Confirmation of transaction authorization.

Ø  Disputed transactions

Ø  Any general enquiry on Credit Cards.

Most Important Terms & Conditions for Syndicate credit cards
Most Important Terms & Conditions for Syndicate credit cards

Ø  Syndicate credit card bills are generated on 20th of every month and these show a detailed list of transactions made using the credit card, charges levied, payments received, etc.

Ø  The statement for syndicate credit cards are sent to Cardholders are usually sent by ordinary post or through registered e-mail.

Ø  As per Go Green Scheme of the Syndicate Bank, syndicate credit Card holders can receive e-statements on their registered email at no extra cost.

Ø  The Payment Due Date is set as 10th of subsequent month. However in case the card holder fails to make the Minimum Payment amount, of previous statement by the due date, he will have to make the payment immediate.

Ø  The Total Credit Limit, Cash Withdrawal Limit and Available Credit Limit as on the statement date are indicated in the Statement.

Ø  In case the card holder doesn’t receive the Statement by the 27th of any month for his Syndicate cards, he/she should call on the 24-HOUR HELPLINE to confirm the amount to avoid levying of charges.

Ø  Cards are not valid for foreign currency transactions in India, Nepal and Bhutan. Card usage is required to follow all requisite FEMA guidelines.

Syndicate credit cards payments
Syndicate credit cards payments

The syndicate credit cards holders can make the payment for their card through any one of the following modes-

1. Cash Deposit - By cash at any branch of Syndicate Bank during normal banking hours.

2. Auto Debit Facility – card holder may provide One Time Standing Instruction maintaining their accounts at any of our CBS Branches

3. Online credit card payments - Cardholders who are maintaining Savings/ Current Account with the Bank can pay Syndicate Credit Cards Bills through Internet Banking.

4. By local cheque / demand draft – Card holder can issue a cheque / DD payable to ‘SBGCC a/c 16 digit card number at any branch of Syndicate Bank

5. By Demand Draft drawn on Bangalore sent directly to Syndicate Bank’s corporate office.

6. NEFT - The Syndicate credit card holders can pay the bill from other bank’s account through NEFT

7. VISA money transfer – Syndicate credit cards bills are also accepted through VISA money transfer.

Syndicate Credit Cards Fees & Charges
Syndicate Credit Cards Fees & Charges

Sl no

Charges

Classic Card

Gold Card

1

Enrollment Fee(Primary)

NIL

NIL

2

Renewal Fee (Primary)

300

500

3

Enrollment Fee(Add-on card)

NIL

NIL

4

Renewal Fee (Add-on card)

150

250

5

Finance Charges for Purchase

2.00% per month If Min Payment Due
is paid within due date.                                                        2.50% per month If less or no amount  is paid within due date

2.00% per month If Min Payment Due
is paid within due date.                                                        2.50% per month If less or no amount  is paid within due date

6

Cash advance Charges(Syndicate ATM)

2 % or Rs. 50 whichever is higher

2 % or Rs. 50 whichever is higher

7

Cash advance Charges(Other Domestic ATM)

2.5 % or Rs. 100 whichever is higher

2.5 % or Rs. 100 whichever is higher

8

Cash advance Charges(Overseas ATM)

2.5 % or Rs. 200 whichever is higher

2.5 % or Rs. 200 whichever is higher

9

International Transaction Markup

3% of the transaction amount + Service Tax

3% of the transaction amount + Service Tax

10

Balance Enquiry Charges (Domestic VISA ATM)

Rs.15 + ST

Rs.15 + ST

11

Over the Credit Limit Usage,

Rs.100 per instance

Rs.100 per instance

12

Balance Enquiry Charges (Overseas ATMs)

Rs.30 + ST

Rs.30 + ST

13

Cheque Bouncing Charges

Rs.200 per occasion

Rs.200 per occasion

14

Retrieval of Charge Slip

Actual charges or Rs.150, whichever is higher

actual charges or Rs.150, whichever is higher

15

Limit Enhancement Charges

Rs.200 per request

Rs.200 per request

Syndicate Bank Credit Card Customer Care
Syndicate Bank Credit Card Customer Care

Syndicate Bank Credit Card customers can reach out to Syndicate Bank Customer care through call or email. Here are the details:

Syndicate Bank credit card customer care number for hot listing of lost card or enquiry: 1800 225 092 (Toll Free), 022 – 40426003

Syndicate Bank credit card customer care Email address: cardcentre@syndicatebank.co.in

Syndicate Bank credit card customer care centre contact number:  080 – 26639966 & 68 (available from 10 A.M. to 5 P.M. on weekdays and 1st, 3rd and 5th Saturdays)

Syndicate Bank Fax: 080 - 26639970

For more info, Syndicate Bank credit card customers can visit at the given link:

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