Earn 1 Cash Point for every Rs.100 spent
Use your Cash Points to pay the outstanding balance on your credit card or redeem against a wide array of gifts from the Rewards Catalogue
2.5% Value Back:
With accelerated Cash Points get upto 2.5% Value Back on all Departmental store & Grocery Spends. Now that is called Smart Spending
Enjoy Complete Fuel Freedom:
Get the freedom from paying 2.5% fuel surcharge across all petrol pumps. Save money every time you tank up.
Rs. 100 off on Cash Withdrawal - Get Rs 100 Cash back on your first ATM Cash withdrawl within 30 days of receiving the card.
Get 2000 Bonus Cash Points on your first purchase. Click here for terms and conditions.
Your Karur Vysya Bank SBI Card is a co-branded credit card & can be used in over 24 million outlets across the globe, including 3,25,000 outlets in India. Just look for the Visa / Master card sign of acceptance and present your card for payment.
Your Karur Vysya Bank SBI Card now offers you great flexibility of payment. With the extended credit option you can plan your outstanding payments as is suitable to you. You can pay any amount from the minimum amount due to the total outstanding amount due as shown in your Monthly Statement. You can then carry forward the unpaid balance at one of the lowest finance charges available.
Add-on Cards - Enhanced Power to your family
You can now conveniently take care of the needs of your loved ones with some best credit card offers. Your Karur Vysya Bank SBI card now lets you apply for add-on cards for your spouse, parents, children or siblings above the age of 18.
0% Fuel Surcharge
Your Karur Vysya Bank SBI Card provides you with the unique benefit, credit card reward points and convenience of a fuel surcharge waiver. Simply use your Karur Vysya Bank SBI Card to buy petrol, diesel and lubricants at all petrol pumps outlets and you need not pay any fuel surcharge. To avail this credit card benefit, all you have to do is to purchase fuel for amounts between Rs. 500 and Rs. 3000 every time per transaction to avail this benefit..
Cash on the go
As an Karur Vysya Bank SBI Cardholder, you can withdraw cash from over 1 million VISA/MasterCard ATMs (Please check the logo on the front of your card before using) across the globe, including 18,000 ATMs in India.
Book your railway tickets online
Now book your railway tickets online and getting them delivered at your doorstep. Experience the convenience of booking your tickets online with your Karur Vysya Bank SBI Card. All you need to do is:
1. Register free of cost on www.irctc.co.in
2. Log-in with your username and password on www.irctc.co.in
3. Book your ticket as per instructions on the website
4. Make payment through your Karur Vysya Bank SBI Card on the website through either of the two payment gateways which accept all Visa Cards. Kindly note: All transactions on www.irctc.co.in are governed by terms & conditions of www.irctc.co.in
Utility Bill Payment Facility
With the Easy Bill Pay facility from Karur Vysya Bank SBI Card you can be rest assured you will never ever forget paying your utility bills on time. All your utility bills like insurance, telephone, electricity bill payment before the due date with this facility from SBI Card.
Guaranteed peace of mind
Your sense of security is our priority. SBI Card automatically gives you complete peace of mind with our SBI Card Customer Helpline and 24-hr VISA/MasterCard (Please check the logo on the front of your card before using) Global Customer Assistance Services available across the world in case of any emergency.
Heres your chance to save money while paying your credit card dues! SBI brings you a fast and convenient way to transfer the outstanding amount from your other card to your Karur Vysya Bank SBI card at the lowest rates of Interest.
Flexipay, the easy installment plan from SBI Card lets you buy just about anything and repay in easy monthly installments. Choose the plan best suited to your financial needs and avail of a low rate of interest. All this through a simple phone call within 30 days of your purchase. Call the Helpline for details now!
Easy Money Facility
Now you can order a bank draft any time by just making a local phone call to the SBI Card Customer Helpline. The amount of the draft will be billed directly to your Karur Vysya Bank SBI Card. You'll find it useful for payments of various bills, taxes, fees and a lot more. For more details please call the SBI Card helpline.
Convenience of Technology
No postal delays. No lost statements. No late payments. Just the convenience of getting your monthly statement delivered directly to your email inbox. Giving you global access 24 hours and seven days a week.
SBI Card Alerts
SBI Card Alerts enables you to receive information regarding your credit card status, as an SMS on your mobile phone. These include Mini Statement Alerts, Cheque Alerts, Credit & Cash limit Alerts & Payment Assistance Alerts. So, no matter where you are, we will keep you informed! To subscribe to SBI Card visit us at www.sbicard.com or call your local SBI Card Customer Helpline.
SBI Card Online
Manage your Karur Vysya Bank SBI Card account. Whether it is checking your statement online or requesting an address change, locating the nearest SBI ATM, Pay bills online and winning exciting prizes on our special offers. It's all now click away. To get started, log on to www.sbicard.com and take advantage of these benefits.
SBI Card Drop Box Locator
Now locate the SBI Card Drop Box nearest to you. Simply
1. Type "PIN" < space > your 6 digit pin code xxxxxx
2. Send SMS to 56767
3.You will receive the list of drop boxes in your area
Yes, it's that simple!
|Joining Fee (one time)||Rs. 499|
|Annual Fee(p.a.)+||Rs. 499|
|Interest Free Credit Period||20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full)|
|Finance Charges||Upto 3.35% p.m. (40.2% p.a.) from the transaction date|
|Minimum Amount Due||5% of Total Outstanding (Min. Rs. 200) + GST + EMI (in case of loans)|
|Cash Advance Limit||Upto 80% of Credit Limit ( Max. 12K / day for Gold & 15K / day for Platinum/Signature Cards|
|Free Credit Period||NIL|
|Finance Charges||Upto 3.35% p.m.(40.2% p.a.) from the transaction date|
Cash Advance Fees
|SBI ATMs /Other Domestic ATMs||2.5% of withdrawal amount or 300/- (WIH) per transaction|
|International ATMs||3% of withdrawal amount or 300/- (WIH) per transaction|
Other Charges & Fees
|Cheque Pickup||Rs 90/-|
|Cheque Bounce/Invalid Cheque||2% of Cheque dishonor amount (Min Rs. 350, Max Rs. 500).|
|Statement Retrieval||Rs. 100 per Statement (> 2 months old)|
|Chargeslip Retrieval||Rs. 225 per Chargeslip|
|Late Payment||NIL for Total Amount due from Rs.0-Rs.200
Rs.100 for Total Amount due greater than Rs.200 & up to Rs.500
Rs.200 for Total Amount due greater than Rs.500 & up to Rs.1000
Rs.500 for Total Amount due greater than Rs.1000 & up to Rs.10,000
Rs.750 for Total Amount due greater than Rs.10,000
|Overlimit||2.5% of Overlimit Amount (Min. Rs. 500)|
|Card Replacement||Rs. 100|
|Emergency Card Replacement (When Abroad)||Actual Cost (Min. $175)|
|Foreign Currency Transaction||Conversion mark up: 3.5%|
|Rewards Redemption Fee||Rs. 99|
|Cash OTC Fees||Rs.100|
|Railway Tickets - Railway Counters||Rs. 30 + 2.5% of transaction amount|
|Railway Tickets - www.irctc.co.in||1.8% of transaction amount + service charge, as applicable|
|Petrol & all products/services sold at petrol pumps||2.5% fuel surcharge waiver for each transaction between Rs.500 & Rs.3000 (exclusive of GST wherever applicable, & all other charges). Maximum surcharge waiver of Rs 100 per statement cycle, per credit card account.|
Order of Payment Settlement
|Order of Payment Settlement||Minimum Amount Due ( which is inclusive of GST + EMI on Loan plans + 5%of Total Outstanding ) , followed by Fees and other charges, Interest Charges, Balance Transfer Outstanding, Retail Outstanding and Cash Advance.|
Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is subject to periodic review.
* Nil on Cash advance.
** Insurance is optional and a subject matter of solicitation.
*** Cheques payable outside clearing zones not accepted. We accept payment through local cheques /drafts payable in Delhi only.
Service tax as applicable on all above fee, interest and charges.
+ Annual fee for the next year will be reversed if your Total Annual Spends in the current year are more than Rs 75,000/- "
Your continued use of the card will be deemed acceptance of these amendments.
SBI Card Helpline
From BSNL/MTNL Lines 1800 180 1290
From All Other Lines 39 02 02 02
All information in this communication is correct as per June 2011 and is subject to change at the discretion of SBICPSL. Karur Vysya Bank SBI Card Most Important Terms and Conditions are also available at www.sbicard.com