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  • Oriental Bank of Commerce SBI Credit Card

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    The Platinum credit card by the Oriental Bank of Commerce and the State Bank of India is a co-branded credit card which offers you a wide range of benefits across various categories. Along with airport lounge access, you also receive welcome gifts, rewards on expenditure and much more.

    Key Highlights of the Oriental Bank of Commerce SBI Platinum Card

    • Earn 1 reward point for every Rs.100 spent on your purchases with your credit card.
    • 2.5% valueback on shopping expenses
    • The fuel surcharge of 2.5% will be waived off on all your fuel transactions.

    Features and Benefits of OBC SBI Platinum Credit Card

    Milestone benefits
    • Earn 2,000 reward points on spends of Rs.2,000 within 60 days of receiving the card.
    • Enjoy the waiver of the annual fee of Rs.500 if the spends of the previous year are over Rs.75,000.
    Reward Point Benefits
    • For every Rs.100 spent, you will receive 1 reward points on your card.
    Fuel Benefits
    • With the credit card, you will get a waiver of 2.5% on all your fuel purchases at all petrol pumps in the country.
    • The fuel surcharge waiver will be applicable for purchases valued between Rs.400 and Rs.5,000.

    Oriental Bank of Commerce SBI Platinum Credit Card Limit

    The credit limit of the Oriental Bank of Commerce SBI Platinum credit card is given at the discretion of the bank. The State Bank of India considers a number of factors before assigning the credit limit to the card. Some of these factors include the annual income of the applicant, the credit score, the credit report along with the repayment habit of past and ongoing debts.

    How to Redeem Reward Points Earned on your Oriental Bank of Commerce SBI Platinum Credit Card

    The reward points on your Platinum credit card can be redeemed online or offline.

    Offline Methods

    If you wish to redeem your points offline, you can call SBI credit card customer care at 1860 180 1290 or call 39 02 02 02 with your STD code.

    You can also redeem your reward points by sending postmarked to the bank's address at the following address:

    P.O. Box 28,

    GPO,

    New Delhi 110001.

    Online Methods

    The steps which you need to follow to redeem your reward points online:

    • Log in to the website of the State Bank of India
    • Select the option of 'rewards' from the menu.
    • From the rewards page, you can choose the products or vouchers you wish to purchase.
    • Add them to the cart.
    • Click on submit and your points will be redeemed.

    OBC SBI Platinum Credit Card Fees and Charges

    Type of Fee Amount
    Annual Fee Rs.500
    Finance Charges Up to 3.35% monthly
    Add-On card fee Nil
    Cash advance fee 2.5% of the amount withdrawn or Rs.500 (Domestic ATMs) 2.5% of the amount withdrawn or Rs.500 (International ATMs)
    Finance Charges 3.50% per month or 42% per annum
    Payment dishonor fee 2% of the payment amount; minimum of Rs.450
    Statement request Rs.100 per statement (more than 2 months old)
    Cash payment fee Rs.250
    Late payment
    • From Rs.0 to Rs.500 - Nil
    • More than Rs.500 up to Rs.1,000 - Rs.400
    • More than Rs.1,000 up to Rs.10,000 - Rs.750
    • More than Rs.10,000 up to Rs.25,000 - Rs.950
    • More than Rs.25,000 up to Rs.50,000 - Rs.1,100
    • More than Rs.50,000 - Rs.1,300.
    Cheque payment fee Rs.100
    Over limit fee 2.5% of the over limit amount; minimum of Rs.600
    Rewards redemption fee Rs.99
    Foreign currency transaction 3.50%

    Eligibility Criteria of the Oriental Bank of Commerce SBI Platinum Credit Card

    When you click on the 'apply' option on the website of the State Bank of India, the bank will determine if you are eligible for this credit card.

    The ideal eligibility criteria for the credit card is:

    • The primary applicant must be a citizen of India.
    • The age of the primary applicant must be between 18 and 70 years old
    • The age of the add-on applicant must be above the age of 15 years.

    Documents Required to Apply for the Oriental Bank of Commerce SBI Platinum Credit Card

    The bank requires several documents during the procedure of the credit card application. Some of the documents which are ideally required for the application procedure are:

    • Proof of Income
      • IT Returns
      • Form 16
      • Salary Slip
    • Address Proof
      • Aadhaar card
      • Voter ID
      • Passport
      • Ration Card

    The list of documents is indicative. The bank may ask you to furnish other documents during the application procedure or after depending on the requirement.

    How to Apply for the Oriental Bank of Commerce SBI Platinum Credit Card?

    Applying for the Oriental Bank of Commerce SBI Platinum credit card can be done through online or offline methods.

    If you wish to apply for the card offline, you will have to visit the nearest branch of SBI or contact the customer care of the bank.

    However, if you wish to apply for a credit card online, you must visit the website of the State Bank of India or you can apply for the card from the BankBazaar website as well.

    FAQs on Oriental Bank of Commerce SBI Platinum Credit Card

    1. Does the card come with a fraud liability cover?

      Yes. The card offers a free credit card fraud liability cover for a sum of up to Rs. 1, 00,000 for any loss on the card for a period of:

      • 48 hours before the loss has been reported
      • 7 days after the loss has been reported
    2. Can I shop online using this card?

      Yes, you can shop online using this card wherever Visa/Mastercard is accepted. Your transactions online are highly secure since it is verified by Visa and MasterCard secure code.

    3. What is the fuel surcharge waiver applicable on the card?

      There is no fuel surcharge applicable as per the 'Fuel Freedom' feature on the card, if you use this credit card to buy fuel from any fuel station across India and abroad as well for an amount that falls within the range of Rs.500 - Rs.4000.

    4. Is there an interest-free credit period provided on the card?

      Yes. The card has up to 50 days interest-free credit period offer which is applicable only if the outstanding amount from retail purchases made in the previous month has been fully repaid.

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