Oriental Bank of Commerce SBI Platinum Credit Card is a co-branded credit card, as the name suggests. This is an exclusive credit card offered by State Bank of India and Oriental Bank of Commerce, that offers unique features like five times more reward points on dining, shopping, etc., cashback privileges, and much more.
| Welcome Benefits | Get an e-gift voucher worth Rs.3,000 from brands such as Shopper’s Stop, Westside, Yatra.com, Marks and Spencer and Hush Puppies/Bata. |
| Reward Point Benefits |
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| Spend-based Benefits | Enjoy an e-gift voucher worth Rs.3,000 on annual spends of Rs.4 lakh or Rs.5 lakh. |
| Travel Benefits |
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| Dining Benefits | Make the most of the credit card with a 10% discount at The Mariott Hotels all over India. |
| Insurance Benefits | Complimentary Credit Card Fraud Liability Cover of up to Rs.1 lakh. |
| Fuel Benefits | Get a fuel surcharge waiver on all fuel transactions ranging between Rs.500 and Rs.4,000. |
| Flexipay Benefits | Pay off your purchases above Rs.2,500 in easy EMIs with a lower interest rate and choose from a wide tenure range. |
| Balance Transfer Benefits | Transfer the balance of your other credit card to the OBC SBI Platinum Credit Card and get lower interest rates. |
| Accessibility | Get instant access to your funds anywhere in the world with more than 10,000 SBI ATMS all across India and abroad. |
| Type of Charge | Amount |
|---|---|
| Joining Fee | Rs. 2,999 |
| Annual Fee | Rs. 2,999 |
| Add-on Fee | Nil |
| Finance charges | Upto 3.35% per month |
| Cash Advance limit | Upto 80% of Credit Limit |
| Cheque Pickup | Rs. 90 |
| Statement Retrieval | Rs. 100 |
| Overlimit Charges | 2.5% of Overlimit Amount (Min. Rs. 500) |
| Card Replacement | Rs. 100 |
| Emergency Card Replacement Whilst Abroad | Nil |
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:
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.
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.
The late payment charges applicable on the Oriental Bank of Commerce SBI Platinum Credit Card is as follows:
| Rs.0-Rs.200 | No charge |
| Rs.200 - Rs.500 | Rs. 100 |
| Rs.500 - Rs.1000 | Rs. 200 |
| Rs.1000 - Rs.10,000 | Rs.500 |
| > Rs.10,000 | Rs. 750 |
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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