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    Oriental Bank of Commerce SBI Credit Card

    We found 1 Oriental Bank of Commerce SBI Credit Card

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    Oriental Bank of Commerce SBI Credit Card

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    Overview:

    Oriental Bank of Commerce SBI Credit Card is a co-branded card which was launched by Oriental Bank of Commerce and SBI Cards. SBI Cards is a joint venture between SBI and GE Capital. One of the unique features of this credit card is its Shop & Smile Program, through which a cardholder can earn great Reward Points on every purchase made using the card. This can then be redeemed against the outstanding balance in your credit card or can be redeemed as gifts from the highly covetable rewards catalogue. The Oriental Bank of Commerce - SBI Card can be used to meet all your needs ranging from vacations, shopping, dining, buying fuel, etc.

    Features:

    • With the Balance Transfer facility which is enabled on this card, customers can save a lot of money by transferring all your high-rate outstanding balances from other bank credit cards to Oriental Bank of Commerce- SBI Card. The interest rate applicable on the repayment of these consolidated dues are very low.
    • Global acceptance: This credit card is accepted in merchant stores around the world. Any outlet which has Visa / Mastercard sign of acceptance, will take this credit card.
    • Flexipay facility: If you have to make any high-value purchases using your card, you need not worry about repaying the amount immediately. The flexipay facility available on this card offers customers the opportunity to convert their total purchase amount to simple monthly installments. This installment plan is highly convenient and customer-friendly.
    • Easy Money facility: Call the SBI Card Customer Helpline to get a bank draft to make a payment. The amount taken through the draft will be billed to the customer’s Oriental Bank of Commerce SBI Card. This will be useful to the customer for payments of various bills, taxes, fees and a lot more.
    • Utility Bill Payment Facility: Customers can use the Oriental Bank of Commerce- SBI Card to make timely payments of all their utility bills in a hassle-free way. There are various payment options available such as: Visa bill pay, Pay Fast, Register & Pay, etc.
    • Purchase railway tickets online through IRCTC website, using your Oriental Bank of Commerce SBI Credit Card to get good offers and discounts. These tickets will be delivered at your doorstep once you purchase them.
    • Credit Facility: Oriental Bank of Commerce SBI Credit Card offers flexibility in repayment of all your credit card dues. With the extended credit option the cardholder can plan his/her outstanding payments as per his / her convenience. The minimum amount due or an amount over and above the minimum due amount can be paid by the customer as per his repayment capacity. The customer can also choose to repay the entire outstanding amount due stated in the monthly Credit Card Statement. Any unpaid amount will be carried forward at one of the lowest interest rates available.
    • Add-on Cards: A credit cardholder can share his/her credit limit with their spouse, parents, children or siblings above the age of 18, by applying for an add-on card.
    • With the Oriental Bank of Commerce- SBI Credit Card, you can travel overseas without any worries, since this card enables you to access cash from any Visa/Mastercard atm around the world.
    • SBI Card Customer Helpline and VISA/MasterCard Global Customer Assistance Services will be available around the clock to assist you immediately in case of an emergency such as loss of card, card replacement, etc., whether you are in India or abroad.
    • E-statement: Customers can also enjoy the convenience of having their your monthly credit card statement sent to their registered e-mail id regularly.

    Benefits:

    • Welcome Offer: As a welcome offer a new customer can get Rs. 100 as cashback on his/her first ATM cash withdrawal. This is applicable only on a cash withdrawal made through an ATM withdrawal within 30 days of receiving the credit card.
    • Every time a cardholder spends Rs. 100 on his/her Oriental Bank of Commerce- SBI Credit Card, he/she can earn 1 reward point. These reward points can be accumulated to be redeemed later on, for attractive gifts and vouchers.
    • The Accelerated Reward Points facility available on this credit card offers the cardholder the opportunity to get a value back of up to 2.5% on purchases made using Oriental Bank of Commerce- SBI Credit Card in departmental/ Grocery stores. In this case, for every Rs.100 spent, you are eligible to get 10 Reward Points.
    • Fuel Freedom: Customers can save money through the fuel freedom feature available on this credit card. While purchasing fuel across all fuel stations, you only have to pay 2.5% fuel surcharge.

    Fees and Charges:

    Joining fee Rs.499
    Annual Fee Rs. 499
    Interest-free credit period 20-50 days interest free credit period is offered to customers if outstanding balance on retail purchases are paid in full
    Finance charges on extended credit Up to 3.35% per month from date of transaction
    Minimum Amount Due 5% of Total Outstanding (Min. Rs. 200) + GST + EMI
    Maximum Cash Advance limit Up to 80% of Credit Limit
    Cash advance fee at SBI ATMs/Other Domestic ATMs 2.5% of withdrawal amount or 300/-, whichever is the highest
    Cash advance fee applicable at International ATMs 3% of withdrawal amount or 300/-, whichever is the highest
    Cheque Pickup charges Rs.90
    Statement Retrieval charges Rs.100 for each statement

    Oriental Bank of Commerce SBI Credit Card FAQs:

    1. What is SBI Card Alert?

      SBI card alert feature available on the Oriental Bank of Commerce- SBI Credit Card ensures that the cardholders gets timely updates on transactions made on the card via SMS to the registered mobile number. Customers can also use SBI Card Alert to get Mini Statement Alerts, Cheque Alerts, Credit & Cash limit Alerts & Payment Assistance Alerts.

    2. Is Net banking facility available on the Oriental Bank of Commerce- SBI Credit Card?

      Yes, Net Banking facility is available on the Oriental Bank of Commerce- SBI Credit Card. With the Oriental Bank of Commerce- SBI Credit Card account customers can check their credit card statements online, make service requests for address change, locate an SBI ATM nearby, check out discounts, deals and offers available on the card, etc.

    3. What is the process of booking a railway ticket online using my Oriental Bank of Commerce- SBI Credit Card?

      In order to book a railway ticket online through the IRCTC website by using your Oriental Bank of Commerce- SBI Credit Card, you have to first register yourself in the IRCTC website and then log into your account. Book the ticket to your destination by providing the necessary details. When the portal prompts you to make a payment, use your Oriental Bank of Commerce SBI Card through either of the two payment gateways which accept all Visa Cards.

    4. Is there a penalty on late payment of Oriental Bank of Commerce SBI credit card dues?

      Yes, there will be a fee levied on late payment of outstanding amount or minimum amount due. The charges are as follows:

      Outstanding Amount Due Late payment Fees
      Total Amount due ranging from Rs.0-Rs.200 Nil
      Total Amount due greater than Rs.200 & up to Rs.500 Rs.100
      Total Amount due greater than Rs.500 & up to Rs.1000 Rs.200
      Total Amount due greater than Rs.1000 & up to Rs.10,000 Rs.500
      Total Amount due greater than Rs.10,000 Rs. 750
    5. What are the surcharges applicable on the Oriental Bank of Commerce SBI credit card?

      The surcharges applicable on the credit card are as follows:

      • Purchase of railway tickets at railway counters = Rs. 30 + 2.5% of transaction amount.
      • Purchase of railway tickets through IRCTC website = 1.8% of transaction amount + service charges.
      • Purchase of Petrol & all products/services sold at petrol pumps for an amount of Rs. 500 and Rs. 3000 = 2.5% surcharge waiver (excluding GST wherever applicable + other charges). Maximum cap on the surcharge waiver is Rs. 100 for each statement cycle on a single credit card account.
      • Purchase of Petrol & all products/services sold at petrol pumps for transaction amounts lesser than Rs. 500 and greater than Rs. 3,000 = 2.5% of transaction amount (Min. Rs. 10)
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