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    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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  • Oriental Bank of Commerce SBI Credit Card Reviews

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      0.5 5.0/5 "Blown Away!"
      I have got a SBI platinum card last month and I have made a purchase of a mobile phone. The service with SBI credit card is really good. The rate of interest is nominal with this card. I am happy about the credit limit. The customer service and the response with SBI is good. I am happy to use this S BI platinum credit card.
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      "Very good card to use"
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      SBI simply click card has got reward points scheme, online offers and I getting a better discounts on online purchases too. Also fuel surcharge waiver is applicable on this card but I have not used it though. I am very much happy with the credit limit which was offered on this card. The turn around time taken to pay my credit card bill was around 45 days. I can also make the payment through SBI online portal. Annual fee on this card is rs 500.
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      , mumbai
      Reviewed on Jun 23, 2017
    • SBI Cards Credit Card
      "Be more proactive"
      0.5 4.0/5 "Great!"
      I hold a credit card of State bank of India and there are offers on the card but they also charge me very high . I do not get any waiver on the charges as well. The are no coupons for it too. The services also need improvement, they need to be more quick too when it comes to service.
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      , bangalore
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    • SBI Cards Credit Card
      "Scope for improvement"
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      SBI credit card is the one, am using from the last two years of time. Credit limit value could be get improvised like its really not beneficial for me. Whole scenario was not really made me to get satisfied about the process, also they used to take much time to resolve any issues.
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      , guwahati
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I availed chargeable credit card from State bank of India. The annual charges are 500 rupees. Also the credit limit offered by the bank is pretty good and satisfactory according to the requirement. I do receive reward points and cash back offers from the bank.
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      , gurgaon
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Convenient to Use"
      0.5 5.0/5 "Blown Away!"
      The annual charges for the SBI card is 500 rupees. I use this card for shopping and entertainment. The credit limit is not much satisfactory. I never faced any issues with the bank in terms of the credit card usage. The bank is prompt in providing reward points on my card.
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      , indore
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      SBI has been very much responsive after I applied for a credit card. They were calling me on time and collected my details as well. The process is on and I am happy that they value a customer and are showing interest in the application. Overall it has been a nice experience with this bank.
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      , salem
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good pocket money card"
      0.5 4.0/5 "Great!"
      I got SBI simply save credit card, they have provided only Rs.21,000 as credit limit. But it is fine for basic needs and at the time of my SBI credit card activation, I got 2000 reward points its good. SBI giving some cash back offers for online shopping.
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      , nagpur
      Reviewed on Jun 22, 2017
    • SBI Cards Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for past one and a half years. The credit limit offered by the bank is satisfactory. SBI offered a life time free credit card which is very comfortable for the usage. I do have reward points and cash back offers on my credit card.
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      , chennai
      Reviewed on Jun 21, 2017
    • SBI Cards Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      I received life time free credit card from State bank of India. When it comes to credit limit, earlier I was not happy but nowadays I hold other bank credit card so I do not have any issues with the credit limit offered by SBI. I am quite happy with the services.
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      , gurgaon
      Reviewed on Jun 21, 2017
    • SBI Cards Credit Card
      "Looking for better service"
      0.5 3.0/5 "Satisfactory"
      SBI is not offering anything and not easy to contact their staff for any queries. All service of SBI is complicated to use. They should improve on their service part and response part. SBI credit limit is good, they offered Rs. 60,000. I am using it for two years.
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      "Excellent "
      0.5 4.0/5 "Great!"
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      , new delhi
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Good Process"
      0.5 5.0/5 "Blown Away!"
      State bank of India voluntarily offered credit card for me. I had received a call from SBI once and they inquired whether I have credit card with any other bank, post which they immediately offered the card based on my other bank card. The limit is good.
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      , chennai
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      For almost 7 months I am using SBI platinum card. I get benefits like reward points, cash back offers and fuel surcharge waiver but I don't redeem it. I use this card to fill the fuel and to pay for the restaurant bills. I am happy about the credit limit. I am satisfied using this SBI Platinum credit card.
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      , udaipur
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Good Bank"
      0.5 5.0/5 "Blown Away!"
      I do hold SBI platinum credit card. The annual fee is 3000 rupees. This card is very much useful for the usage and I am getting reward points and cash back offers as well. The customer service is good. If I face any issues, the bank is immediately sorting out.
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      , coimbatore
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Nice experience"
      0.5 4.0/5 "Great!"
      I hold a credit card of State Bank of India and the services are good. They are doing well in the offers and the credit limit. The offers online at Ecommerce portals are the best as there are a lot of discounts to avail. The rewards are also useful.
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      , pune
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have no account with this bank but still they have offered me the card., I got a credit card from them which is a life time free card. I have cash back offers on my card also they credit reward points often but I was not having any idea about it, it was long back right. The credit limit is satisfactory and enough according to my usage.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 20, 2017
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      State Bank of India has been perfect in providing me with the offers on my credit card. The customer services are also good and they are responsive when I contact them over phone. There are cash back deals often and also discounts as well. I am happy using it.
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      , hyderabad
      Reviewed on Jun 20, 2017
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      "Flexiblity"
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      I would like to say SBI credit card is the best one because of their services and reward points, also I can operate this card in easy to way, also I used to get some discounts and regular offers are available while making the payments. I used to cash on card offers and other things.
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      , pune
      Reviewed on Jun 19, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      SBI is very good for my credit card. Every time they are sending the statement with clear picture of my usage and it is very easy for me to track my usage and the amount spent There was no hidden charges available on my credit card. I am very comfortable in holding SBI as their customer service is good. The credit limit is 1 lakh above initially it was 50k.
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      , bangalore
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