• Joining fee: Rs. 299
• Annual fee, per annum : Rs. 299
• Add-on fee, per annum: Nil

• Cash advance limit: Up to 80% of credit limit with a maximum of Rs. 12,000 per day
• Free credit period: Nil
• Finance charges^# : Up to 3.35% per month accounting to 40.2% per annum from the transaction date

• Interest free credit period: 20-50 days, only for retail purchases, if previous months outstanding balance is paid in full
• Finance charges^#: Up to 3.35% per month accounting to 40.2% per annum, from the transaction date
• Minimum amount due: 5% of total outstanding with a minimum of Rs. 200 + GST + EMI in case of loans

• SBI ATMs /other domestic ATMs: 2.5% of withdrawal amount or Rs. 300, whichever is higher, per transaction
• International ATMs: 3% of withdrawal amount or Rs. 300, whichever is higher, per transaction

• Cheque pickup: Rs. 90/-
• Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 350
• Statement retrieval: Rs. 100 per statement, only for statements more than 2 months old
• Charge slip retrieval: Rs. 225 per charge slip
• Late payment:
  • Nil for total amount due from Rs. 0 to Rs. 200
  • Rs. 100 for total amount due greater than Rs. 200 and up to Rs. 500
  • Rs. 400 for total amount due greater than Rs. 500 and up to Rs. 1,000
  • Rs. 500 for total amount due greater than Rs. 1,000 and up to Rs. 10,000
  • Rs. 750 for total amount due greater than Rs. 10,000
• Card replacement: Rs. 100
• Emergency card replacement, when abroad: Actual cost, minimum of $175)
• Foreign currency transaction conversion mark up: 3.5%
• Cash OTC fees: Rs. 100

• Railway tickets – Railway counter: Rs. 30 + 2.5% of transaction amount
• Railway tickets - irctc.co.in : 1.8% of transaction amount + service charge, as applicable
• Customs duty: 2.25% of transaction amount, with a minimum of Rs. 75
• Petrol and all products or services sold at petrol pumps: 2.5% of the transaction amount, with a minimum of Rs. 10

#Card finance charge is dynamic and will be based on the cardholder’s usage and payment patterns. It is subject to periodic review.

^*Nil on Cash advance.
^**Insurance is optional and a subject matter of solicitation.

• Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
• Service tax, as applicable on all above fee, interest and charges.

Your continued use of the card will be deemed acceptance of these amendments.

For assistance, please call SBI Card helpline at:

From BSNL/MTNL numbers    1800 180 1290

From all other numbers    39 02 02 02
Prefix your STD code if you use your mobile phone.

All information in this communication is correct as per June 2011 and is subject to change at the discretion of SBICPSL. SBI Card most important terms and conditions are also available at sbicard.com