SBI Credit Card
SBI and GE Capital Services joint venture is the second largest credit card issuer in the country with around 4 million card holders. This JV offers you Gold, Silver and Platinum Card and other partnership cards like card for doctors, railway cards, lifestyle cards etc.
SBI offers two per cent cash back facility while using your card in departmental stores, restaurants and while paying your utility bills, without any extra fees. SBI's Gold, Silver and Platinum cards are accepted worldwide and provides 0% fuel surcharge waiver. You can also order a bank draft over the phone any time and also transfer your current credit card balance to your SBI Card at a much lower interest rate. You also get a discount of up to 3.5 per cent and on international tickets purchased through Carlson Wagonlit Travel Services.
Features
| Card Name | SBI- Silver Card | SBI-Gold Card | SBI-Platinum Plus Card |
| Network | Master Card | Master Card | Visa Card |
| Joining Fee (in rupees) | Free | Free | Free |
| Annual Fee (in rupees) | Free for life | Free for life | Free for life |
| Add On Card - Issue Fee | Free | Free | Free |
| Interest Rate -on revolving Credit | 44.25% p.a from Transaction date | 44.25% p.a from Transaction date | 44.25% p.a from Transaction date |
| Interest Rate -on Cash Withdrawal | 44.25%p.a | 44.25%p.a | 44.25%p.a |
| Interest Rate - on Balance Transfer | As per the New scheme 0% for the first 3 months | As per the New scheme 0% for the first 3 months | As per the New scheme 0% for the first 3 months |
| Reward points | 2% Cash back at selected merchants | 2% Cash back at selected merchants | Earn 1 power point on every Rs 40 spend |
| Surcharge on Fuel | 0% surcharge for single transaction spend between Rs. 400/- and Rs. 3,000/- | 0% surcharge for single transaction spend between Rs. 400/- and Rs. 3,000/- | 0% surcharge for single transaction spend between Rs. 400/- and Rs. 3,000/- |
| Cash Withdrawal Fee | 2.5% or Rs 250 whichever is high(Domestic ATMs) and 3% or Rs 250 whichever is high (International ATMs) | 2.5% or Rs 250 whichever is high(Domestic ATMs) and 3% or Rs 250 whichever is high (International ATMs) | 2.5% or Rs 250 whichever is high(Domestic ATMs) and 3% or Rs 250 whichever is high (International ATMs) |
| Late Payment Charges | NA | NA | NA |
| Late Payment Fee | 30% of minimum amount due(Min. of Rs. 350 & Max. Rs. 600) | 30% of minimum amount due(Min. of Rs. 350 & Max. Rs. 600) | 30% of minimum amount due(Min. of Rs. 350 & Max. Rs. 600) |
| Overlimit Charges | 2.5% of overlimit amount or Rs. 500 whichever is higher | 2.5% of overlimit amount or Rs. 500 whichever is higher | 2.5% of overlimit amount or Rs. 500 whichever is higher |
| Maximum Credit Free Period | Up to 50 days | Up to 50 days | Up to 50 days |
Best Tax Saver Mutual Funds or ELSS Mutual Funds for 2015
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6. Franklin India TaxShield
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For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call
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