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  • SBI Corporate Central Travel Account Credit Card

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  • SBI Corporate Central Travel Account Credit Card is a corporate credit card which has been primarily designed to streamline all kind of travel expenses and requirements of an air-travel under one roof. It provides the user an extended credit period of 20-50 days without charging an interest fee. SBI Central Travel Account cardholders can not only streamline travel expenses and corporate reimbursements, but they can also enjoy the privileges of dedicated customer care, integrated expense management, and centralised payment facility.

    Features and Benefits of the SBI Corporate Central Travel Account Credit Card

    SBI offers a host of features that help a cardholder manage travel expenses efficiently. These include:

    Better visibility and control

    SBI Corporate Central Travel Account Credit Card combines all air travel expenses in a centrally billed account. From job candidates, consultants to infrequent travellers and people travelling in large groups, the total travel expense incurred is charged into a single billing account which is easy to keep a tab on and can be managed effortlessly.

    Maximize Travel Expense Visibility

    Subscribing to the idea of “One Bill, One Payment”, SBI Corporate Central Travel Account Credit Card merges all travel expenses into one billing account. Individuals can not only access their summary of travel costs and booking virtually but also analyse the spending pattern anytime, anywhere. This improved expense visibility helps travellers ensure that the expenditure complies with travel policy of the company and take necessary actions if required.

    Spend Category Control

    Since the spending data is consolidated into one account, customers have the facility to control their travel expenditures as and when required. SBI Corporate Central Travel Account Credit Card helps a cardholder restrict the card usage for daily, monthly, or weekly expenses on select merchant categories.

    Customised User Defined Fields

    With SBI Corporate Central Travel Account customers can also request to customise their data file using 8 ‘user-defined fields’. This feature is additionally available along with the existing expense data.

    Gain Efficiency and Savings

    Organisations can easily manage the reimbursement processes of its employees’ travel expenses using SBI Corporate Central Travel Account Credit Card. Therefore, Central Travel cardholders always have the leverage to control travel expenses more efficiently without issuing multiple cards or having to pay out of their own pockets.

    Streamline reconciliation

    SBI Corporate Central Travel Account Credit Card integrates Visa IntelliLink with expense management systems thereby centralising transaction as well as reimbursement processes.

    Dedicated Customer Support

    SBI Corporate Central Travel Account Credit Cardholders get access to a dedicated service desk to address their queries and complaints on a top priority basis.

    Interest-Free Credit Period

    An interest-free period of 20-50 days is a great incentive that individuals with an SBI Corporate Central Travel Account Credit Card enjoy.

    Also, the extended payment duration of up to 50 days to pay the travel expenses is convenient to maximise savings.

    No Joining Fee and Annual Fee

    SBI Corporate Central Travel Account Credit Card is a lifetime free card. So, cardholders do not have to pay any money as the joining fee and annual fee.

    SBI Corporate Central Travel Account Credit Card: Fees and Charges

    Joining Fee Nil
    Annual Fee Nil
    Free credit period Nil
    Emergency card replacement Free
    Interest-free credit period 20 days to 50 days (This facility is available only on the purchase goods and merchandises and only when outstanding balance of previous month is fully paid)
    Cash advance limit Variable
    Cash advance charges SBI ATMs or other ATMs – Up to 2.5% of the total withdrawal amount Domestic ATMs – Rs.300 per transaction or whichever amount is higher International ATMs – Rs.300 or up to 3% of withdrawal amount, whichever is higher, per transaction
    Foreign currency transaction conversion markup 3.5%
    Rewards redemption fee Up to Rs.99
    Late payment charges Total amount due from Rs.0 - Rs.200 – NIL Total amount due more than Rs.200 & up to Rs.500 – Rs.100 Total amount due more than Rs.500 & up to Rs.1000 – Rs.400 Total amount due more than Rs.1000 & up to Rs.10,000 – Rs.500 Total amount due more than Rs.10,000 – Rs.750
    Penalty for invalid cheque or cheque bounce 2% of cheque amount where the minimum amount is Rs.350 and the maximum amount is Rs.500
    Charge slip retrieval fee Rs.225 per charge slip
    OTC cash payment fees Rs.100 + GST
    Finance charges Up to 3.35% per month amounting to 40.2% per annum from the date of withdrawal

    Surcharges and Surcharge Waivers

    Railway tickets – Tickets from railway counters – Rs.30 + 2.5% of transaction amount Tickets from irctc.co.in – 1.8% of transaction amount + GST
    Petrol & all products/services Rs.10 or 1% of the transaction value (whichever is higher)
    Surcharge Waivers Signature & Platinum Cards – 1% surcharge waiver for single transaction spends between Rs.500 and Rs.4000 (excluding GST + other charges) All other cards - 1% for single transaction spends between Rs.500 and Rs.3,000 (excluding GST + other charges)
    Maximum Surcharge Waiver Signature & Platinum Cards – Rs.250 per statement cycle per credit card account All other cards – Rs.100 per credit card account

    Documents Required to Apply for SBI Corporate Central Travel Account Credit Card:

    1. Passport
    2. PAN card
    3. Aadhar Card
    4. Voter’s ID Card
    5. Driving License

    Eligibility:

    Since SBI Corporate Central Travel Account Credit Card is a corporate card, the eligibility is based on the volume of the organisation as per the financial statement submitted at the time of application.

    SBI Corporate Central Travel Account Credit Card FAQs:

    1. Does the SBI Corporate Central Travel Account Credit Card offer any surcharge waiver for fuel transactions?
    2. SBI Corporate Central Travel Account Credit Cardholders can get a maximum waiver of 1% for single transaction spends when they purchase fuel and other related products and services for an amount ranging between Rs.500 and Rs.4000. The maximum surcharge waiver permitted for a single credit card account per cycle is Rs.250. The surcharge waiver excludes GST and other applicable charges.

    3. What is the order of payment settlements for an SBI Corporate Central Travel Account Credit Card?
    4. For SBI Corporate Central Travel Account Credit Card, payments made for a cardholder account will be settled in the order of –

      • Minimum amount due
      • All applicable taxes
      • EMI on loan plans
      • Fees and other charges
      • Interest charges
      • Balance transfer outstanding
      • Purchase outstanding
      • Cash advance
    5. What are the applicable taxes charged on all the Fees, Interest & Charges?
    6. Applicable taxes charged on all the fees, Interest, and Charges on the SBI Corporate Central Travel Account Credit Card include –

      • Service tax (ST) – 14%
      • Swachh Bharat Cess (SBC) – 0.5%
      • Krishi Kalyan Cess (KKC) – 0.5%
    7. What does Finance charge on SBI Corporate Central Travel Account Credit Card mean?
    8. The finance charge is subject to changes, and calculation of the fee is based on the cardholder’s usage and payment patterns.

    9. What should I do in case my SBI Corporate Central Travel Account Credit Card is stolen or lost?
    10. To prevent any fraudulent usage, customers should immediately contact the SBI Corporate Central Travel Account Credit Card dedicated service desk and report the loss of card to block the card account instantly.

      For further assistance, customers can call 24-hours SBI Card helpline at 39020202 (using STD code as a prefix) or 18601801290.

      

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    SBI Corporate Central Travel Account Credit Card Reviews

    • review Credit Card
      "Not Satisfied"
      0.5 3.0/5 "Satisfactory"
      I am holding a State Bank of India credit card. I have been using this card more than 2 years. My credit limit is very less, it's only 35 thousand. Their charges are more in comparison to other banks. I am not satisfied with their customer service, very difficult to reach them.
      Was this review helpful? 7
      , bangalore
      Reviewed on Aug 26, 2019
    • review
      review Credit Card
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      I had a State Bank of India credit card. I used that card for almost 4 years. I deactivated the card because credit limit was very very low. My credit limit was only 10 thousand. I had to pay annual fee Rs. 500. I am not satisfied with their customer service.
      Was this review helpful? 7
      , hyderabad
      Reviewed on Aug 26, 2019
    • review Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from last one month, so it has very good shopping offers through online purchase. Even I do have cash back offers and reward points offer based on the transactions but they did not generate my first month credit card statement.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 24, 2019
    • review Credit Card
      "Hosume"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of India simple save credit card past 6 months ago .The Annual charger Rs 499. . While documents submitted though on line . There is no delay while received credit card , sufficient limit is provide from banker end , Customer service is good and responsive.All notification email and message from banker end. While transaction through on line i will receive rewards point and cash back offer.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 17, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using a State Bank of India credit card. Credit limit is nominal and annual fee is Rs. 499. I have been using this card over 7 years. SBI customer service is very helpful and responsive. Their mobile application is user friendly and bill payment is very simple and easy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of india simply save credit card using through past 2 years ago .The Annual charger is applicable, sufficient limit is provide.while document submitted through executive . There is no delay credit card. Customer service is good, EMI option is applicable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2019
    • review Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am holding a State Bank of India credit card. Their customer care is very helpful, they had provided clear information. I have been using this card for the last 5 years. Features of this card are really good. There is good offer but credit limit is very low.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have a State Bank of India credit card. My credit limit is Rs. 55 thousnd, they have not increased the credit limit much. I have been using this credit card over 2 years. Annual fee is Rs. 500. Their customer service is very good. Bill payment is very easy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have been using State Bank of India Credit card. I got the card on time. Credit limit is nominal but there is annual fee of Rs. 499. I have been using this credit card more than two years. I am getting reward points and cashback offers. Bill payment is very easy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Very good "
      0.5 4.0/5 "Great!"
      I have selected simply save credit card past 3 months ago The Annual Rs 499. Balance transfer option is applicable, while transaction through online i will receive rewards points and cash back offer through on line 10 percentage cash back , customer service is good and responsive , limit is sufficient is provide from banker end.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Not Satisfied"
      0.5 1.0/5 "Really Bad"
      I have a State Bank of India Bharat Petroleum credit card. I have been using this card over the last 2.5 years. I am quite satisfied with the revert point system for refilling fuel. Other than reward points other features are good. Credit limit is also enough.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding a State Bank of India Platinum credit card. I have been using this card for the last 3 years. Credit limit is Rs. 65 thousand. The features are good and I am getting good offers. Bill payment is very easy their customer care is very responsive.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have a State Bank of India credit card. I have been using this card almost 4 months. I had received the card on time. Credit limit is nominal but annual fee is Rs. 6000. It's BPCL card and they are charging for refilling petrol. SBI customer service is good.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2019
    • review Credit Card
      "very good"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of India signature credit card past 7 years ago.The Annual charger Rs 499. While spending Rs 25,000 annual chargers will be waiver off . While documents submitted though on line . There is no delay while received credit card , sufficient limit is provide from banker end , Customer service is good and responsive.All notification email and message from banker end. While transaction through on line i will receive rewards point and cash back offer.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 13, 2019
    • review Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding a State Bank of India credit card. I have been using this credit card for a while. I had received the card on time. They have given sufficient credit limit. Annual fee is chargeable. SBI customer service is very responsive and helpful.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 09, 2019
    • review Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of India platinum credit card on 4 years before which was applied through an other channel. It is a life time free credit card. The credit limit is low which was given from bank. I use this card for many purposes based on the usage I get cash back and discounts up to 10%.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 08, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of India credit card past 6 months , The Annual charger is Rs 500. While spending RS 25,000 1st year annual charger will be waiver off , while documents submitted through executive there is no delay while receive credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 08, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have selected State bank of india past 1 yrs , annual charger is 599. While transaction no rewards points and no cash back offer.while document submitted through online there is delay while receiving credit card, sufficient limit is provide from banker end. Customer service is good and responsive .All notification message and email communication from banker end.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 08, 2019
    • review Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have selected state bank of india credit card .past years ago .The Annual Rs 499 . While spending Rs 30,000 annul waiver . The documents were submitted through executive so there is no delay while receiving credit card.Customer service is good and responsive.
      Was this review helpful? 0
      , jodhpur
      Reviewed on Aug 07, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of india credit card past 3 years Rs 450 , No waiver option. while transaction through swipe will receive rewards points. In all petrol pump surcharge waiver 1 percentage.customer service is good and resposnisve , while documents submitted through on line, sufficient limit is provide from banker end. All notification message and email communication fro banker end . Mobile application is user friendly.
      Was this review helpful? 0
      , vijayawada
      Reviewed on Aug 06, 2019
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