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  • OBC Credit Card Reward Points

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    Credit cards offered by Oriental Bank of Commerce are co – branded cards. The bank has partnered with the State Bank of India to provide these cards to their customers. These credit cards have a lot of rewards and benefits to offer such as Reward Points. The points are awarded to OBC customers under the State Bank of India Shop – and – Smile Rewards Program. Whenever a customer purchases a product or a service using their credit card, they earn reward points that can be redeemed to avail rewards.

     

    How can I earn reward points under the Oriental Bank of Commerce (OBC) Credit Card Rewards Program?

    Under the Oriental Bank of Commerce Rewards Program you can earn reward points by spending money on purchases using your OBC Credit Cards.

     
    Credit Card Type Reward Points Spends Category
    Oriental Bank of Commerce – SBI Platinum Credit Card 5x points Departmental Store, Dining, International
    2 points on every Rs.100 Other categories
    Oriental Bank of Commerce – SBI Credit Card 1 point on every Rs.100 All types of spends
    10x points Grocery, Departmental Stores
     

    Customers of Oriental Bank of Commerce – SBI Platinum Credit Card can earn up to 40, 000 points in a year.

    In case of Oriental Bank of Commerce – SBI Credit Card, the value of 4 Reward Points is Rs.1. The bank also has an introductory offer for the customers of this card. As per the offer, if the customers spend Rs.2000 within 60 days of getting this card, they will receive 2000 Bonus Cash Points.

    All the reward points earned by the credit cardholders of Oriental Bank of Commerce under the Shop – and – Smile Rewards Program will be valid for 24 months. If the cardholders do not redeem their points by this period, then their points will expire.

     

    How to Redeem Oriental Bank of Commerce Credit Card Reward Points:

     

    It is very easy to redeem the reward points that you have earned on your Oriental Bank of Commerce Credit Cards. As the credit cards are co-branded card, you have to redeem them through State Bank of India. To redeem the reward points, you have to be the primary card holder. Holders of add- on cards are not allowed to redeem the points.

    There are multiple ways to redeem points and you can use any one of them. The ways are –

    • Online – You can redeem your reward points online on the website of State Bank of India cards. You have to click on ‘Rewards’ on the homepage and then choose the products or services you want to purchase using the points from the catalogue.
    • Offline – You can redeem the reward points that you have earned offline as well. To redeem, you have to contact the SBI Card helpline number. You can also redeem your points by sending them a post regarding the same on the following address – ‘PO Box 28, GPO, New Delhi – 110001’
     

    Oriental Bank of Commerce Credit Cards Rewards Catalogue:

    • Accessories
    • Electronics
    • Apparel & Superstore
    • E – voucher
    • Entertainment & Dining
    • Kids Zone
    • Homeware
    • Health and Fitness
    • Preferred Partner
    • Luxury
    • Lifestyle
    • Travel and Holiday
     

    List of Oriental Bank of Commerce Credit Cards with Rewards Benefits:

    • Oriental Bank of Commerce – SBI Platinum Credit Card
    • Oriental Bank of Commerce – SBI Credit Card
     

    Oriental Bank of Commerce Credit Card Reward Points Program FAQs:

     
    • How I check the reward points that I have earned on my Oriental Bank of Commerce credit card?

      You can check the reward points that you have earned on your Oriental Bank of Commerce credit card online on the website of SBI card, as these are co – branded cards. You can also check the points via SMS. To do so, you have to simply send ‘Reward XXXX’ (last 4 digits of your credit card number) from your registered number to 5676791. You can also check the points in your monthly card statement as it has a record of all the reward points that you have earned on your credit card.

    • Can I transfer my Oriental Bank of Commerce credit card reward points to another card?

      No, you cannot transfer your Oriental Bank of Commerce credit card reward points to another card.

    • By when will I receive the products or vouchers that I have purchased using my OBC credit card reward points?

      You will receive the products that you have purchased using your OBC credit card reward points within 15 working days and the vouchers within 10 working days.

    • Can I combine cash and reward points during redemption?

      Yes, you can combine cash and reward points during redemption.

    • Can I pay my OBC credit card outstanding balance using the reward points that I have earned on my card?

      Yes, you can pay your OBC credit card outstanding balance using the reward points that you have earned on your card.

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    Credit Card Reviews

    • Oriental Bank of Commerce Credit Card
      "Average service"
      0.5 2.0/5 "Expected more"
      I have been using my saving account with oriental bank of commerce for long time, there service is not up to the mark, and there branch service is not good they are not properly assisting me well and even there mobile application is not properly updated , i am not happy with their service, i need to maintain 3000 minimum ,they use to charged me message charges,and even atm charges and they use to charges me alot.
      Was this review helpful? 3
      , gurgaon
      Reviewed on Jan 16, 2019
    • Oriental Bank of Commerce
      Oriental Bank of Commerce Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My credit card was taken with OBC 5 months back. I hold a platinum card and the credit limit is 20,000 which is not satisfactory . The customer service and responses was good. I never used the mobile application and the net banking is good. My overall experience was good,
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 12, 2018
    • Oriental Bank of Commerce Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I have been using Oriental bank of commerce credit card . Am not satisfied with the customer service and response. They have given very low limit of rs 11000. And they not even increased my credit limit. . Overall am not satisfied with customer service and response.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 03, 2018
    • Oriental Bank of Commerce Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Oriental Bank of Commerce credit card from last 2 months, the credit card services are comparatively good. They did not charge any annual fees at the time of getting this credit card. I use this credit card for my personal use and i am also satisfied with the credit limit.
      Was this review helpful? 1
      , bilaspur
      Reviewed on Oct 31, 2017
    • Oriental Bank of Commerce Credit Card
      "Very good experience"
      0.5 4.0/5 "Great!"
      OBC provides proper services on the credit card as well. There are offers and the credit limit is good. The customer services are also good and there are no issues while using the card. There are the normal offers of discounts and the deals of cash back is also there.
      Was this review helpful? 2
      , new delhi
      Reviewed on Oct 05, 2017
    • Oriental Bank of Commerce Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I maintain credit card with OBC which is tied up with LIC. If I use the card up to eighty to ninety thousand in a year, then the annual charges would be waived off. I have reward points and cash back offers but I never used those things.
      Was this review helpful? 3
      , mumbai
      Reviewed on Jul 03, 2017
    • Oriental Bank of Commerce Credit Card
      "Above Average"
      0.5 4.0/5 "Great!"
      I been using my credit card at Oriental Bank of Commerce for the last four years. The services are good. The response is good too. They have given me a limit of 60K. The offers has been satisfactory. Overall it is good.
      Was this review helpful? 10
      , navi mumbai
      Reviewed on Oct 22, 2015
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