Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Central SBI Select Plus Credit Card

    Is shopping your first love? Are one of those who keep looking for opportunities to splurge on everything that's trending and fashionable? If you are a fashionista who loves to keep their wardrobe update with the latest in fashion, then gear up. The Central SBI Select+ Card is just the kind of card you have been waiting for. Loaded with a plethora of benefits and rewards, this card can be used for daily as well as luxury purchases as well. So, no need to scavenge for cash for small purchases any more. All you need is the Central SBI Select+ Card.

    Benefits of Central SBI Select+ Card

    The Central SBI Select+ card comes with a lot of benefits and perks that makes the shopping experience of the cardholder even more interesting and joyful. Listed below are the benefits of this card:

    Joining benefits:
    • On joining, the cardholder gets a Central e-gift voucher worth Rs.3000.
    • Cardholders get 2 BookMyShow e-gift vouchers worth Rs.250 each.
    • Cardholders can bag complimentary m-coupons worth Rs.500 each for the initial 3 months.
    Accelerated reward points:
    • Cardholders can earn 20 Select points for every Rs.100 that they spend at any Central outlet.
    • Cardholders can earn 10 Select points for every Rs.100 that they spend on movies and dining.
    • Cardholders can earn 2 Select point for every Rs.100 on any other retail purchases (except fuel).
    A chance to win Milestone and Renewal Select points:
    • On spending 6 lakhs or more annually on the Central SBI Select+ Card, cardholders can earn Milestone Select points worth Rs.4,000.
    • On spending Rs.1,50,000 or more on the Central SBI Select+ Card annually, cardholders can earn 6000 Milestone Select points.
    • On spending Rs.3,00,000 or more on the card, cardholders can earn 10000 Milestone Select points.
    • On spending 6,00,000 or more on the card, cardholders can earn 16,000 Milestone Select points.
    • On renewing the Central SBI Select+ card, cardholders can earn 12,000 Select points worth Rs.3,000 after paying the renewal fee and on spending Rs.1,25,000 annually using the card.
    Instant redemption of points:
    • Cardholders can redeem their accumulated Select points at any Central store across the country.
    • Cardholders don't need any minimum limit of Select points to avail instant redemption.
    • Cardholders can use Select points to pay for their shopping.

    Features of Central SBI Select+ Card

    The Central SBI Select+ card not only makes one’s shopping experience exciting but it also makes the entire process of payment easy and convenient. Listed below are a few features of the card:

    • Convenient method of payment: Cardholders can make their daily purchases including grocery shopping and other similar retail expenditure using this card.
    • Contactless: Cardholders can just 'Wave and Go' without having to let go of the card from their hand. This convenient and fast method of payment is one of the most significant features of the card.
    • Security: In case of a contactless transaction, the card doesn't leave the cardholder's hand. Hence, it reduces the risk of card duplication, loss, or any other kind of fraud. Even if the card is waved multiple times at the billing counter, the unique security key feature of Visa payWave will make sure that only a single transaction goes by.
    • Any time cash withdrawal: Cardholders can withdraw cash any time they want using the Central SBI Select+ card from more than 1 million Visa ATMs across the globe.
    • Easy payment of bills with zero charge: Cardholders can use the Central SBI Select+ card to pay their telephone, electricity, insurance, and other such utility bills. They can use the Easy Bill Pay feature on their card and they would never miss any date of their payment. Cardholders can use the SBI Card Auto Bill Pay to make the most of their card.
    • FlexiPay: Cardholders can use this feature to convert their transactions on the Central SBI Select+ card into easy monthly instalments.
    • Easy Money Feature: Using this facility, cardholders can receive a cheque or a draft against their cash limit and get it delivered at their doorstep.
    • Balance transfer: Cardholders can transfer their outstanding balance from their credit card from other banks to their Central SBI Select+ card and pay a lower rate of interest. They can also make the payment in easy EMIs.
    • Accepted across the world: Cardholders can use their Central SBI Select+ card in more than 24 million Visa outlets across the globe and at over 3,20,000 outlets in the country.
    • Sharing financial freedom with family: Cardholders can apply for supplementary or add-on credit cards for their parents, spouse, siblings, and children who are above the age of 18 years.
    • Emergency and easy card replacement: In case of loss or damage of card, cardholders can call the 24*7 helpline for emergency replacement of card even when they are travelling overseas. The card can be replaced in any part of the world.
    • E-statements: Cardholders of Central SBI Select+ card can opt for the e-statement facility using which they can access their credit card statement any where and any time.
    • Easy process to locate SBI card drop box: Cardholders can locate their nearest SBI card drop box easily using the following steps:
      • Type 'PIN' space with their 6-digit area pincode.
      • By sending the SMS to 56767.
      • They will receive a list of drop boxes in their area.

    Fees and Charges of Central SBI Select+ Card

    Listed below are the various fees and charges that are levied on Central SBI Select+ card:

    Fees and Charges Amount
    One-time annual fee Rs.2,999
    Renewal fee per annum Rs.2,999
    Supplementary card fee per annum NIL
    Interest-free credit period 25-50 days. This period is applicable only on spends on retail, and if last month's balance has been paid in full.
    Finance charges Up to 3.35% per month, amounting to 40.2% per annum, from the transaction date.
    Minimum amount due 5% of the total outstanding amount. (A minimum of Rs.200 + EMI+OVL amount+ all applicable taxes).
    Cash advance limit Up to 80% of the total credit limit, maximum Rs.15,000 per day.
    Free credit period NIL
    Finance charge Up to 3.35% per month amounting to 40.2% per annum from the transaction date.
    Cash advance fee
    • From SBI or other ATMs: 2.5% of the amount withdrawn, subject to a minimum of Rs.300
    • From ATMs abroad: 3% of the amount withdrawn, subject to a minimum of Rs.300
    Cheque pickup Rs.90
    Payment dishonour fee 2% of the outstanding payment, subject to a minimum of Rs.450.
    Statement retrieval fee Rs.100 per statement (more than 2-month-old)
    Retrieval of charge slip Rs.225 per charge slip
    Late payment fee
    • NIL if the total amount due is from Rs.0 to Rs.200.
    • Rs.100 if the total amount due is greater than Rs.200 and up to Rs.500.
    • Rs.400 if the total amount due is greater than Rs.500 and up to Rs.1000.
    • Rs.500 if the total amount due is greater than Rs.1,000 and up to Rs.10,000.
    • Rs.750 if the total amount due is greater than Rs.10,000.
    Overlimit charges 2.5% of the amount that has crossed the credit limit subject to a minimum of Rs.500.
    Card replacement fee Rs.100
    Emergency card replacement fee in case the cardholder is abroad NIL
    Foreign currency transaction fee 3.5% (Conversion mark up)
    Rewards redemption fee Up to Rs.99
    Cash payment fee Up to Rs.100
    Surcharge on railway tickets over the counter Rs.30 plus 2.5% transaction amount
    Surcharge on railway tickets through 1.8% of the transaction amount + GST

    How to apply for Central SBI Select+ card?

    Individuals interested in getting a Central SBI Select+ card can apply for this card online as well as offline. Here’s how they can do it:

    Offline methods:
    • Applicants can walk into their nearest branch of State Bank of India and can ask for an application form. After filling up the form, they can attach the necessary documents and identity proofs and submit the form at the branch itself.
    • Applicants can call the SBI card helpline number 1860-180-1290 or dial 3902-0202 (with the STD code of their area) and ask the SBI credit card customer care executive to put them in touch with the credit card department.
    Online method:
    • Applicants can go to the official website of SBI credit cards, and click on Central SBI Select+ from the credit cards listed on the site. They can click on the ‘Apply’ section and follow the instructions.

    Eligibility for Central SBI Select+ card

    The eligibility for getting a Central SBI Select+ card is decided on the basis of the applicant's annual income, employment, and other such factors. Listed below are the minimum and maximum age criteria:

    Type Age
    For salaried applicants 21 years to 70 years
    For self-employed applicants 40 years to 70 years
    For pensioners 21 years to 70 years

    Documentation required for Central SBI Select+ Card

    Listed below are the documents that an applicant needs to submit in order to procure a Central SBI Select+ card:

    • Copies of Aadhaar card
    • Copies of any one of the following proof of identity:
      • Voter's ID
      • Passport
      • Driving License
      • PAN card
    • Copies of any of the following proof of address:
      • Electricity bill
      • Telephone bill

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