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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

    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      Having the SBI simply save card for past 3 years. The credit card service is very good with the SBI simply save card. I pay the annual fee of Rs,500. The reward points cash back offers and fuel surcharge waiver is available with this card. I am satisfied with the credit limit,.
      Was this review helpful? 0
      , vapi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      Its good experience with SBI bank related to the credit card.They have been giving me a lot of facilities on the card, There is no hidden charges for any transaction. I really happy with my credit card and the limit they have offered me is 1.65 lakhs and they have offered me life time free credit card. I receive normal offers on my credit card
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      State bank of India credit card provides good offers in terms of cash back, reward points in redemption as well as the shopping. Am pretty much happy and satisfied with the benefits provided. Overall pretty good experience the credit limit they have offered me is 50000 rupees and i have taken this card in 2014 till now i haven't faced any issues with this card.
      Was this review helpful? 0
      , vapi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I pay the annual fee of Rs.500 every year to SBI Gold platinum credit card. This card has the benefits like reward points cash back offers and other offers in it, I would say it is an average card to use but I am satisfied with their credit limit and happy with their service.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 18, 2017
    • SBI Cards Credit Card
      "More good"
      0.5 5.0/5 "Blown Away!"
      My credit card is free for the first year the annual fee would be 499 from second year onwards. Credit limit is the one which determines the satisfactory level, in that way, I got very good credit limit from the bank and it is much convenient for my usage. Whenever I use my card for shopping, the bank is prompt in crediting reward points and other cash back offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Good for travellers"
      0.5 4.0/5 "Great!"
      I have taken IRCTC credit card from SBI, because I keep traveling. I am always getting discount on train tickets. Their offered me good credit limit its good and satisfactory. When I was working with previously company they gave 50,000 to 60,000 it was sufficient.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Looking for a better offers"
      0.5 2.5/5 "Just OK"
      SBI is okay but they are not as good as AXIS Bank in term of credit card. I have been using the card around two years, so far they didn't increase the credit limit. I am getting Online shopping offers in Amazon and flipkart its nominal, I am fine with that.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Beneficial services"
      0.5 4.0/5 "Great!"
      SBI has offered me a credit card as well and the bank provides me good offers. They send me regular alerts about the ongoing offers and the bank has given me a good credit limit too. There is a annual fee of 500 and the statements are on time with clear details.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Kind of okay"
      0.5 3.0/5 "Satisfactory"
      SBI Credit card is some what okay. I am holding this SBI credit card for about 4 month this card was taken a few months back no compliments were provided. I had received this card through a third party and i did not receive any compliments . However I had received the welcome letter and Tariff sheet.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "No good credit limit, no service no offers"
      0.5 1.0/5 "Really Bad"
      I wont recommend SBI credit card because they are charging lot of charges and the annual charges are really high and it is very difficult to reach their customer care. The reason for calling them was because, I had to foreclose the loan for which I had to wait for about one hr and 20 minutes and they dont have an option to out call their customers back for which, I had to stay on the call and I had to foreclose the EMI.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India. I would not say it is excellent, but it is good and hassle free. The charges and interest is normal and there are good deals online. The EMI options are pretty flexible and the bank has given me a good limit too.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2017
    • SBI Cards Credit Card
      "Satisfied with the services"
      0.5 5.0/5 "Blown Away!"
      The credit card offers are good at SBI. The best about the card is I can use it anywhere and all my transactions goes through without any issues. There are discounts and cash back offers and there are no charges taken for the card as well. The customer services are also good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I have closed the SBI gold credit card. If I use this card and spent Rs.70,000 in a year , the annual fee of Rs.500 will get waived . I was using this card from around 4 to 5 years. The customer service is Average with this card. They haven't gave any offer with SBI gold card. I was happy with the credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      I am holding a SBI Credit card for two months now they have offered me the credit limit of around 62000 rupees , and the annual charges of this card is around 3000 rupees and the annual charges can be waived off if spending around three lakhs this was not informed to me earlier after receiving all this details are getting displayed
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Could provide more offers"
      0.5 4.0/5 "Great!"
      SBI has offered me a credit card as well and from my personal experience there could be more offers and a better credit limit on the card. The customer services and response is good and the statements has always been transparent and on time to me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Need improvement"
      0.5 3.0/5 "Satisfactory"
      Credit card offer wise SBI is good, they are giving good feature on the card. But their service is not upto the mark, because they wont response properly. Whenever I call their customer service, IVR system takes time to connect with the executive and then also won't get sufficient service. SBI needs to improve the response and communicate part.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      SBI has offered me a credit card as well and the limit the bank has offered me is excellent. Though I have not explored on the card much. I am happy with the process . I got the card on time after me applying for it and they have also offered me good deals too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      My credit card is with State Bank of India. I am more than satisfied with the deals I get on the credit card and it has been perfect till date. The credit limit is also good and the bank has always been on time to send me the details and the billing dates is also convenient for me.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 14, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      To reach the customer service with State bank we need to talk to IVR for a long time and it takes minimum 15 minutes time to reach the executive and After all this struggle once we reach the executive they will keep our call on hold. The customer support need to improved with SBI. I use the SBI simply save card for past 3 years. I pay the annual fee of Rs.500. I am satisfied with the credit limit but not with the service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 14, 2017
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 3.0/5 "Satisfactory"
      Recently I have received Sbi simply click credit card. The response with Sbi credit card is good. They have disbursed the card within 7 days of time. This card has the annual fee Rs,500. I am not satisfied with the credit limit, still they can increase the credit limit with this SBI simply click card. The reward points , cash back offers are available with this card then I can redeem the reward points as cash.
      Was this review helpful? 0
      , tirupati
      Reviewed on Aug 14, 2017
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