Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Bank of Maharashtra SBI Credit Card

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    Bank of Maharashtra SBI Credit Card is a co-branded credit card that offers great benefits to the cardholder which is available in two variants - platinum and gold. Bank of Maharashtra is a public sector bank and also the lead bank for Maharashtra. SBI Cards is a joint venture between SBI and GE Capital, and the only NBFC to issue cards.

    Bank of Maharashtra SBI Credit Card Features

    Accepted worldwide:

    • Bank of Maharashtra SBI Credit Card is accepted worldwide in over 24 million outlets around the world including 3.25 lakh outlets in India. You can use the card in any outlet or merchant store which accepts MasterCard.

    Reward Points:

    • Earn 1 reward point for spending Rs.100 on your card.

    Welcome Offer:

    • On making an ATM cash withdrawal within 30 days of the issuance of the card, you will earn a cashback of Rs.100.

    Add-on Card:

    • Members of your family who are above the age of 18 years can avail add-on cards and enjoy the benefits of this credit card.

    Book railway tickets online:

    • With the Bank of Maharashtra SBI Credit Card you can also book railway tickets online at the IRCTC website.

    Pay utility bills online:

    • The Utility bill payment facility which is enabled on this card makes it easier for you to pay all utility bills on time.

    Balance Transfer on EMI:

    • The balance transfer facility can be availed on this card to consolidate and repay any dues on your other bank credit cards at a much lower rate of interest.

    Flexipay:

    • Flexipay facility is available on the Bank of Maharashtra SBI Credit Card. A borrower can make any high-value purchase using the card and then convert it into monthly installments which are easily payable. A very low interest is applied on this installment plan.

    Cash on the Go:

    • You can withdraw cash from over 1 million Visa ATMs all around the world.

    Easy Money:

    • Get a cheque or a draft issued against your cash limit in case of cash crunch and get it delivered to your communication address.

    SBI Card Drop Box Locator:

    • To locate the SBI Drop Box type ‘PIN’ < space > your 6-digit pin code and send it to 56767.

    Benefits of Bank of Maharashtra SBI Credit Card

    Extravaganza Offer:

    • Earn 2,000 reward points on spending Rs.2,000 within 60 days of the issuance of the card.

    Value Back:

    • Get up to 2.5% cash back as for every Rs.100 spent for purchases made at grocery and departmental stores you can earn 10x reward points. Earn 1 reward point for every Rs.100 spent.

    Fuel Surcharge:

    • Enjoy 1% surcharge waiver on purchasing fuel at any petrol station in India for transaction amount between Rs.500 and Rs.3,000.

    Spend Based Referral:

    • Spend Rs.1 lakh and above on your credit card to get the annual fee waived off.

    Bank of Maharashtra SBI Credit Card Fees and Charges

    Type of Charge Amount
    Joining fee Rs.499
    Interest-free credit period 20-50 days applicable on retail purchases if the outstanding balance of previous month is paid in full
    Renewal Fee Rs. 499
    Minimum Amount Due 5% of Total Outstanding (Min. Rs. 200) + GST + EMI
    Finance charges on extended credit Up to 3.35% per month from the date of transaction
    Cash advance fee at SBI ATMs/Other Domestic ATMs 2.5% of withdrawal amount or Rs.500, whichever is the highest
    Maximum Cash Advance limit Up to 80% of Credit Limit
    Cash advance fee applicable at International ATMs 2.5% of withdrawal amount or Rs.500, whichever is the highest
    Statement Retrieval charges Rs.100 for each statement not more than 2 months old
    Cheque Fee Rs.100
    Payment Dishonor fee 2% of the payment amount, subject to a minimum of Rs.450
    Overlimit 2.5% of the amount, subject to a minimum of Rs.500
    Card replacement Rs.100
    Emergency card replacement $175
    Foreign currency transaction 3.5%
    Markup Fee 3.50% for all cardholders and 1.99% for Elite cardholders only
    Rewards redemption fee Rs.99
    Cash Payment fee Rs.199
    Railway tickets
    • Rs. 30 + 2.5% of the transaction amount
    • 1.8% of transaction amount + service charge
    Fuel surcharge 1% of the total amount

    Late payment charges

    Total outstanding balance Late Fee
    Rs. 0-500 Nil
    Rs. 501-1000 Rs. 400
    Rs. 1001-10000 Rs. 750
    Rs. 10001 – Rs.25,000 Rs. 950
    Rs.25,001 – Rs.50,000 Rs.1,100
    Above Rs.50,000 Rs.1,300

    Bank of Maharashtra SBI Credit Card FAQs

    1. Are there any charges on applying for an add-on card?

      There are no charges on applying for an add-on card for your family members, including siblings and children who are above the age of 18 years.

    2. How can the extended credit feature on the card be used?

      The extended credit facility which is available on the Bank of Maharashtra SBI Credit Card offers flexibility in terms of repayment. The cardholder can repay any outstanding dues according to his/her convenience. The customer can pay an amount equal to or more than the minimum amount due on his/her card or he/ she have the freedom of paying the entire total amount due as stated in the credit card statement which is generated per month. The unpaid balance will be carried forward over the next few months at an attractively low rate of interest.

    3. What are SBI Card alerts?

      SBI Card Alert feature provides important alerts and information to the cardholder, pertaining to his/her credit card transactions and status. This is sent as an SMS to the mobile phone number which is registered with the Bank at the time of credit card application. Other information and alerts that can be received using this method is: Cheque Alerts, Mini Statement Alerts, Payment Assistance Alerts and Credit & Cash limit Alerts.

    4. What is the Easy money facility available on Bank of Maharashtra SBI credit card?

      Easy money facility enables a Bank of Maharashtra SBI credit cardholder to place a request for a bank draft by just making a local phone call to the SBI Card Customer Helpline at any time. The amount that has to be drawn on the draft is billed directly to the customer’s Bank of Maharashtra SBI Card. This facility is very advantageous when customers have to make payments of various bills, fees, taxes, and much more.

    5. How will I receive an e- statement?

      A customer’s monthly E-statement is delivered directly to the registered e-mail id.

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