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  • Oriental Bank of Commerce SBI Credit Card

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    Key Highlights of the Oriental Bank of Commerce SBI Platinum Card

    The Platinum credit card by the Oriental Bank of Commerce and the State Bank of India is a 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.

    • Get a gift voucher worth Rs.3,000.
    • Earn 2 reward points for every Rs.100 spent on your purchases with your credit card.
    • For your grocery, departmental store and dining purchases, get accelerated reward points of 5x.
    • Get a gift voucher of Rs.3,000 on annual spends of Rs.4 lakh to Rs.5 lakh on your credit card.
    • Complimentary Priority Pass Membership.
    • Enjoy access to more than 300 golf courses across the world.
    • The fuel surcharge of 1% will be waived off on all your fuel transactions.

    Features and Benefits of the Oriental Bank of Commerce SBI Platinum Credit Card

    Welcome Benefits

    • Get a welcome e-gift voucher of Rs.3,000 on paying the joining fee.
    • Redeem the gift voucher at top brand websites such as Hush Puppies, Westside, Yatra, Shoppers Stop, etc.

    Reward Point Benefits

    • For every Rs.100 spent, you will receive 2 reward points on your card.
    • On your departmental store, dining and grocery store expends, you will receive accelerated reward points of 5x.

    Travel Benefits

    • With the Oriental Bank of Commerce SBI Platinum credit card, you receive a complimentary membership to the Priority Pass Program.
    • You can visit the airport lounges at all domestic airports by paying a minimal fee.

    Fuel Benefits

    • With the credit card, you will get a waiver of 1% 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.

    Latest Offers from the Oriental Bank of Commerce SBI Platinum Credit Card

    • On your first order from Swiggy, get a discount of 20% with your credit card.
    • Get a discount of 20% on your services at Lybrate with the OBC SBI Platinum credit card.
    • Apply the code MMTSBI to get a 10% off on your domestic flight tickets and 20% on domestic hotels on MakeMyTrip.
    • Avail a cashback of 5% on your purchases made on the Ajio app or website. The minimum transaction required for the offer is R.2,500.

    Reward Point Benefits on the Oriental Bank of Commerce SBI Platinum Credit Card

    • With every Rs.100 spent, get 2 reward points.
    • Accelerated reward points of 5x on your grocery spends, departmental store spends and dining expenses.

    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 the customer care of the State Bank of India 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.

    Oriental Bank of Commerce SBI Platinum Credit Card Fees and Charges

    Type of Charge Amount
    Annual fee Rs.2,999
    Interest-free credit period 20 days - 50 days
    Free credit period Nil
    Add-on card fee Nil
    Minimum amount due 5% of the total outstanding amount subjected to a minimum of Rs.200
    Renewal fee Rs.2,999
    Finance charges 3.35% per month
    Cash advance limit Up to 80% of the credit limit (maximum up to Rs.15,000 per day)
    Cash advance fee at SBI ATMs or other ATMs 2.5% of the transaction amount subject to a minimum of Rs.300
    Charge slip retrieval Rs.225 per charge slip
    Cash advance fee at international ATMs 3% of the transaction amount subjected to a minimum of Rs.300.
    Payment dishonour fee 2% of the payment amount subjected to a minimum of Rs.350.
    Cheque pickup fee Nil
    Statement retrieval Rs.100 per statement
    Late payment charges For a total amount due between Rs.0 and Rs.200 - Nil

    Between Rs.200 and Rs.500 - Rs.100

    Between Rs.500 and Rs.1,000 - Rs.400

    Between Rs.1,000 and Rs.10,000 - Rs.600

    Between Rs.10,000 and RS.25,000 - Rs.800

    More than Rs.25,000 - Rs.950

    Emergency card replacement, when abroad Nil
    Card replacement Rs.100
    Cash payment fee Rs.100
    Fuel surcharge 1% of the fuel purchase amount
    Foreign currency transaction 3.5%
    Over limit payment 2.5% of the over limit amount subjected to a minimum of Rs.500.
    Rewards redemption fee Rs.99
    Railway ticket fee 1.8% of the transaction cost + GST

    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

    • Proof of Identity
      • Passport
      • Driving License
      • Aadhaar card

    • 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.

    Oriental Bank of Commerce SBI Platinum Credit Card FAQs

    • 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
    • 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.

    • 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.

    • 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.

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    Oriental Bank of Commerce SBI Credit Card Reviews

    • SBI Cards Credit Card
      "Very good card to use"
      0.5 4.0/5 "Great!"
      For more than 4 years I use the Oriental bank of commerce SBI credit card . The customer support service is good with the state bank of India . The credit limit value is good with this OBC sbi credit card . The annual fee is zero with this OBC sbi credit card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 27, 2018
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