Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Oriental Bank of Commerce Credit Card

    The Oriental Bank of Commerce (OBC) is headquartered in Gurgaon, New Delhi. It has over 37 regional offices in India. The Bank provides financial services such as loans, NRI services, deposit schemes, etc. Some credit cards by the Oriental Bank of Commerce are also in co-partnership with the State Bank of India. These cards offer a wide range of benefits across different categories to its cardholders.

    Why choose Oriental Bank of Commerce Credit Cards?

    Oriental Bank of Commerce offers a wide range of credit cards to its customers, including co-branded credit cards issued in partnership with State Bank of India. These credit cards are custom-made to meet the specific requirements of the card holders. The OBC Laghu Udyami Credit Card-Oriented business Card Scheme (OBCS) and the OBC Swarojgar Credit Card Scheme is offered handloom weavers, small business units, self-employed individuals, artisans, small scale units, retail traders, village industries, professionals, micro entrepreneurs, etc. to provide credit backing for their working capital and other needs. This scheme has a provision for loan against credit card as well.

    Features and Benefits of Oriental Bank of Commerce Credit Cards

    Loan against Credit Card:

    The Oriental Bank of Commerce (OBC) Credit Cards offers loan against credit cards for the sole purpose of adding to the working capital and to enable the purchase of various assets, including raw materials required for production.

    Working Capital:

    The credit available on these cards are to be used to finance the working capital needs of handloom weavers, small business units, self-employed individuals, artisans, small scale units, retail traders, village industries, professionals, micro entrepreneurs, etc.

    Competitive Rates of Interest:

    A highly lucrative rate of interest is levied on these credit cards/loans offered by Oriental Bank of Commerce.

    Features and Benefits of OBC and SBI Co-branded Credit Cards

    Fuel Surcharge Waiver The credit card holder can enjoy a fuel surcharge waiver of 2.5% on transactions worth Rs.500 to Rs.4,000.
    Utility Bill Payment Facility With the utility bill pay facility available on these cards, you can easily pay your telephone bill, electricity bill, mobile bill, gas bill and other utility bills.
    Flexipay The Flexipay feature on these credit cards enable the customer to quickly convert a high value transaction to easily payable monthly installments.
    Balance Transfer on EMI The balance transfer facility available on these cards can enable cardholders to transfer the balance from your OBC card to other cards at a lower interest.
    Global Acceptance The Oriental Bank of Commerce - SBI credit cards are accepted worldwide.
    Add-on cards The credit card holders can also apply for and avail add-on cards for their family members so as to share their credit limit with them as well.

    List of OBC Credit Cards:

    Oriental Bank of Commerce - SBI Card

    Features and Benefits:

    • With Oriental Bank of Commerce - SBI Card get 10X reward points on each Rs.100 spent at any grocery store or departmental store, i.e., with a value back offer of 2.5%.
    • A fuel surcharge waiver of 2.5% is applicable on all fuel purchase transactions ranging between Rs.500 and Rs.3,000 across all petrol stations in India.

    Oriental Bank of Commerce - SBI Platinum Credit Card

    Features and Benefits:

    Oriental Bank of Commerce (OBC) Credit Card - Charges and Interest rates:

    Charges Oriental Bank of Commerce - SBI Card Oriental Bank of Commerce - SBI Platinum Credit Card
    Joining Fee Rs. 499 Rs. 2,999
    Annual Fee Rs. 499 Rs. 2,999
    Interest Rate 40.2% per annum (3.35% per month) 40.2% per annum (3.35% per month)

    OBC Credit Cards - Eligibility Criteria:

    • The OBC Laghu Udyami Credit Card-Oriented business Card Scheme (OBCS) is offered only to individuals who are involved in activities such as retail traders, small business units, artisans, small scale units, village industries, self-employed individuals, professionals, etc.

    • Under the OBC Swarojgar Credit Card Scheme, only micro entrepreneurs, handloom weavers and small artisans, etc. are eligible.

    • Kisan Credit Card-Oriented Green Card (OGS) are offered to Cultivators, Farmers and Artisans who are engaged in agricultural and allied activities.

    OBC Credit Cards FAQs

    1. How to apply for the Oriental Bank of Commerce - SBI Card?

      In order to apply for an Oriental Bank of Commerce - SBI Card, customers can directly get in touch with any of the branches of Oriental Bank.

    2. What is Easy Money Facility?

      Easy Money facility is a feature available on the OBC co-branded credit cards which provides the credit card holder the opportunity to avail a draft or cheque against your cash limit whenever it is required. Doorstep delivery of the cheque or draft is also available.

    3. Which are the co-branded cards offered by OBC?

      The co-branded cards offered by Oriental Bank of Commerce along with State Bank of India are the Oriental Bank of Commerce - SBI Platinum Credit Card and the Oriental Bank of Commerce - SBI Credit Card.

    4. Who can apply for an add-on credit card under the OBC - SBI credit card scheme?

      The primary cardholder can apply for an add-on card for his/her children, spouse, parents and siblings. Children and siblings of the primary card holder should be 18 years old or above in order to be eligible for the same.

      

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    Oriental Bank Credit Cards Reviews

    • Oriental Bank of Commerce
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Oriental Bank Of Commerce credit card which i am using for the past 4 years only.This card is very good to use and there was no difficulties faced on using this card .I have got good credit limit.The agent explained all the relevant details about the card process very clearly .
      Was this review helpful? 9
      , thane
      Reviewed on Nov 22, 2019
    • Oriental Bank of Commerce
      Oriental Bank of Commerce
      "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? 10
      , gurgaon
      Reviewed on Jan 16, 2019
    • Oriental Bank of Commerce
      "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? 6
      , new delhi
      Reviewed on Sep 12, 2018
    • Oriental Bank of Commerce
      "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? 9
      , new delhi
      Reviewed on Jul 03, 2018
    • Oriental Bank of Commerce
      "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? 7
      , bilaspur
      Reviewed on Oct 31, 2017
    • Oriental Bank of Commerce
      "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? 9
      , new delhi
      Reviewed on Oct 05, 2017
    • Oriental Bank of Commerce
      "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? 8
      , mumbai
      Reviewed on Jul 03, 2017
    • Oriental Bank of Commerce
      "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? 17
      , navi mumbai
      Reviewed on Oct 22, 2015
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