You can get the SBI Student Plus Advantage Card which is a credit card issued by the State Bank of India (SBI) to you if you have availed an education loan from the lender. You do not have to pay any annual or joining fee in order to get this credit card issued.
Some of the features of this credit card are:
Cash advance fee
|Type of Fee||Amount|
|Renewal Fee||Rs.500 applicable only if the total spending is below Rs.35,000 in the previous calendar year|
|Payment Dishonor fee||2% of the payment amount, subject to a minimum of Rs.350|
|Statement retrieval||Rs.100 per statement|
|Charge slip retrieval||Rs.225 per charge slip|
|Overlimit||2.5% of overlimit amount subject to a minimum of Rs.500|
|Emergency card replacement, when abroad||Minimum $175|
|Foreign currency transaction||3.5%|
|Rewards redemption fee||Rs.99|
|Cash Payment fee||Rs.100|
You will have to visit the nearest SBI branch along with all the relevant documents in order to apply for this credit card. You are eligible for this credit card if you have availed an education loan from the bank.
Cash point is a point you will earn as a reward every time you use the SBI Student Plus Advantage Card. You can use the points as rewards for various purposes including clearing your outstanding credit card bills.
You can encash your credit card cash points by calling the SBI helpline number and getting in touch with a SBI Credit Card customer care executive. Simply request for encashing your cash points and it will be credited to your card.
You must accumulate at least 2,000 cash points before encashing them.
No, you cannot avail this credit card if you have not avail an education loan from the bank.
You can get information related to your credit card by simply sending an SMS to 5676791 from your registered mobile number. There is a pre-format SMS you will have to send depending on the type of inquiry you have. The format in which you will have to send the SMS for different inquiries are given in the table below:
|Kind of information needed||Send an SMS to 5676791|
|Balance enquiry||BAL XXXX|
|Available credit and cash limit||AVAIL XXXX|
|Block your stolen or lost card||BLOCK XXXX|
|Status of your last payment||PAYMENT XXXX|
|Summary of your reward point||REWARD XXXX|
|Subscribe to e-statement||ESTMT XXXX|
|Request for duplicate statement||DSTMT XXXX MM (Statement Month in MM)|
Note: Here XXXX is the last 4 digits of your credit card
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