State Bank of India Credit Cards

The largest bank of India, the State Bank of India (SBI), is known for its reliable services, greatest accessibility and the highest number of branches. Its services are trusted by one and all and the counting of its consumers goes way ahead of any bank. SBI and GE Capital have together come up with various kinds of credit cards to offer its customers suiting their needs. The charges and fees of SBI Cards are quite low as compared to other banks. All the terms and conditions are explained in detail to the customers if they demand an explanation and no cost seems unreasonable to the buyer when explained. The terms and conditions offered by SBI are flexible, easy to understand and viable. The offers are clubbed together in such a way that the customer can enjoy full benefits of those offers without worrying repayment. Now consumers can shop, make payments and enjoy the privilege completely, of owning an SBI credit card. Namely there are 3 categories of credit cards being offered by SBI.

SBI Credit Card Contact Information

For any kind of inquiry regarding SBI Credit Cards, their fee and charges, offers and benefits etc.:

Phone No: 1800-180-1290 (toll free from any BSNL or MTNL landline phone)

39020202 (prefix the std code of the city you are calling from)

Website: http://www.sbicard.com

Popular SBI Cards

SBI Platinum Card

Following are the fee and charges of SBI Platinum Card

Joining fee: Upto Rs 1500 (one time)

Annual Fee: Upto Rs 1500

Add-on fee: Nil.

Interest free credit period: 20-50 days (valid only if you’ve cleared your last month bill and only on retail purchases)

Finance charges: Upto 3.10%

Minimum amount due: 5% of total outstanding + govt taxes or minimum of Rs. 200

Cash Advance Limit: Upto 80% of credit limit

Free credit period: Nil

Finance charges: upto 3.10%

SBI Gold Card

Fee and charges of SBI Gold Card are given below

Joining fee: Upto Rs 500 (one time)

Annual Fee: Upto Rs 500

Add-on fee: Nil.

Interest free credit period: 20-50 days (valid only if you’ve cleared your last month bill and only on retail purchases)

Finance charges: Upto 3.35% p.m

Minimum amount due: 5% of total outstanding + govt taxes or minimum of Rs. 200

Cash Advance Limit: Upto 80% of credit limit

Free credit period: Nil

Finance charges: upto 3.35% p.m

SBI Silver Card

SBI Silver Card charges following fees

Joining fee: Upto Rs 250 (one time)

Annual Fee: Upto Rs 250

Add-on fee: Nil.

Interest free credit period: 20-50 days (valid only if you’ve cleared your last month bill and only on retail purchases)

Finance charges: Upto 3.35% p.m

Minimum amount due: 5% of total outstanding + govt taxes or minimum of Rs. 200

Cash Advance Limit: Upto 80% of credit limit

Free credit period: Nil

Finance charges: upto 3.35% p.m

SBI NRI Card

Following are the fee and charges of SBI NRI Card

Joining fee: Upto Rs 1500 (one time)

Annual Fee: Upto Rs 1500

Add-on fee: Nil.

International Courier Charges: Upto Rs 700

Interest free credit period: 20-50 days (valid only if you’ve cleared your last month bill and only on retail purchases)

Finance charges: Upto 1.99% p.m

Minimum amount due: 5% of total outstanding + govt taxes or minimum of Rs. 200

Cash Advance Limit: Upto 100% of credit limit

Free credit period: Nil

Finance charges: upto 1.99% p.m

SBI Maruti Card

SBI Maruti Cards have following fee and charges

Joining fee: Upto Rs 5000 (one time)

Annual Fee: Upto Rs 1500

Add-on fee: Upto Rs. 500

Interest free credit period: 20-50 days (valid only if you’ve cleared your last month bill and only on retail purchases)

Finance charges: Upto 3.35% p.m

Minimum amount due: 5% of total outstanding + govt taxes or minimum of Rs. 200

Cash Advance Limit: Upto 80% of credit limit

Free credit period: Nil

Finance charges: Upto 3.35% p.m

SBI Partnership Cards

SBI Railway Card

SBI Vishal Mega Mart Card

SBI Social Card

SBI UBI Card

All of the above mentioned cards have same fee and charges as SBI Maruti Card.

SBI Spicejet Card

SBI Spicejet Card has following fees and charges:

Joining fee: Upto Rs 2000 (one time)

Annual Fee: Upto Rs 250

Add-on fee: Nil.

Interest free credit period: 20-50 days (valid only if you’ve cleared your last month bill and only on retail purchases)

Finance charges: Upto 3.35% p.m

Minimum amount due: 5% of total outstanding + govt taxes or minimum of Rs. 200

Cash Advance Limit: Upto 80% of credit limit

Free credit period: Nil

Finance charges: Upto 3.35% p.m

SBI Other Cards

SBI Advantage Card

SBI Advantage Card has following fee and charges:

Joining fee:  Nil.

Annual Fee: Upto Rs 250

Add-on fee: Upto Rs.100

Interest free credit period: 20-50 days (valid only if you’ve cleared your last month bill and only on retail purchases)

Finance charges: Upto 1.99% p.m

Minimum amount due: 5% of total outstanding + govt taxes or minimum of Rs. 200

Cash Advance Limit: Upto 80% of credit limit

Free credit period: Nil

Finance charges: Upto 1.99% p.m

SBI Card for Doctors

The below given fee and charges are applicable on SBI Card for Doctors:

Joining fee:  Nil

Annual Fee: Nil

Add-on fee: Nil

Interest free credit period: 20-50 days (valid only if you’ve cleared your last month bill and only on retail purchases)

Finance charges: Upto 3.35% p.m

Minimum amount due: 5% of total outstanding + govt taxes or minimum of Rs. 200

Cash Advance Limit: Upto 80% of credit limit

Free credit period: Nil

Finance charges: Upto 3.35% p.m

SBI Employee Card

The fee and Charges applicable on SBI Employee Card are the same as SBI Card for Doctors. See above.

Eligibility Criterion for obtaining an SBI credit card

Unlike other banks SBI does not have strict eligibility policies. The only simple criteria is that the income of a person applying for an SBI Card must be above Rs.2,00,000 per annum. Which card is to be given to the customer is decided by the bank itself if no choice has been mentioned by the applier.

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