SBI Student Plus Advantage Card

Your Education Partner

Presenting SBI Student Plus Advantage Card

 

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To apply for your SBI Student Plus Advantage Card visit the nearest SBI branch.

    • Annual fee : Rs. 0
    Rs. 0
    • Renewal fee : Rs. 0*
    Rs. 0
Net Fee : Rs. 0*On annual spend of Rs. 35,000

Privileges on SBI Student Plus Advantage Card

With SBI Student Plus Advantage Card, you get unlimited privileges

Exclusive card

Exclusive Card

  • This is an exclusive credit card, given only to the education loan customers of State Bank of India
  • You can get your SBI Student Plus Advantage Card against a fixed deposit at any State Bank of India branch
Reward Points

Reward Points

  • Get 1 Reward Points for every Rs. 100 spent
  • You can use your Reward Points to pay the outstanding balance on your credit card
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Reward Points
0% Fuel surcharge

0% Fuel Surcharge

  • Enjoy 2.5% fuel surcharge waiver at any petrol pump in India
  • Transact for Rs. 500- Rs. 3,000 every time to avail the fuel surcharge waiver
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0% Fuel Surcharge
  • You can get a maximum surcharge waiver of up to Rs. 100 per statement cycle
Spend based reversal

Spend Based Reversal

  • No annual fee, if the total purchases on the card in the previous year exceeds Rs. 35,000

SBI Student Plus Advantage Card Features

Know everything about your SBI Student Plus Advantage Card

  • 2.5% Value Back
    • Enjoy up to 2.5% value back, as you get 10X Reward Points on your spends at all Departmental and Grocery stores
  • Accelerated Rewards
    • Get 10X Reward Points on your International spends
  • Ready Cash
    • With your SBI Student Plus Advantage Card, you can withdraw cash from over 1 million Visa and MasterCard ATMs
    • You can enjoy up to 80% cash withdrawal limit
  • Worldwide Acceptance
    • Your SBI Student Plus Advantage Card is an international credit card and can be used in over 24 million outlets across the globe, including 3,25,000 outlets in India
  • Add-on Cards
    • If you are an SBI Education Loan customer and aged more than 18 years, you can get Add-on SBI Student Plus Advantage cards for members of your family
    • If you are below 18 years of age, you will get an add-on card and your parent will be issued the primary card
  • Online Booking of Railway Tickets
    • You can book your railway tickets online and get them delivered at doorstep
    • Go to irctc.co.in and follow the below steps:
      • Register free of cost
      • Log in with your user name and password
      • Follow instructions on the website to make your reservations
      • Make payments through your SBI Card at the payment gateways that accept a Visa Card
    • All transactions on irctc.co.in are governed by the terms and conditions of irctc.co.in.
  • Utility Bill Payment Facility
    • Pay your utility bills online with SBI Student Plus Advantage Card
    • You can use the facility to pay your electricity, telephone, mobile bills, insurance premiums and more
    • Click here to know more
  • Balance Transfer on EMI
    • Save money while paying your credit card dues
    • Transfer the outstanding balance of other banks’ credit cards to your SBI Student Plus Advantage Card, and avail a lower rate of interest and pay back in EMIs
    • Click here to know more about Balance Transfer on EMI
  • Flexipay
    • With Flexipay, convert your transactions in easy monthly installments. Just transact for Rs. 2,500 or more using your SBI Student Plus Advantage Card, and log on to sbicard.com within 30 days of purchase to convert it into Flexipay
    • Click here to learn how to use Flexipay
  • Easy Money
    • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered on your doorstep
    • Log on to sbicard.com to book Easy Money
  • Fees
      • Annual fee, one time: Nil
      • Renewal fee, per annum: Rs. 500, applicable from second year onwards, only if total purchases on the card are less than Rs. 35,000 in the preceding year
      • Add-on fee (Per annum): Nil
  • Extended Credit
      • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous months’ outstanding balance is paid
      • Finance charges: Up to 2.25% per month, accounting to 27% per annum from the transaction date + EMI, in case of loans
      • Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)
  • Cash Advance
      • 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 2.25% per month, accounting to 27% per annum from the date of withdrawal
  • Cash Advance Fee
      • SBI or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 300
      • International ATM: 3% of transaction amount, subject to a minimum of Rs. 300
  • Other Charges
      • Cheque pick up: Rs. 90
      • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 350
      • Statement retrieval: Rs. 100 per statement, which is two or more 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
      • Overlimit: 2.5% of overlimit amount subject to a minimum of Rs. 500
      • Card replacement: Rs. 100
      • Emergency card replacement, when abroad: Actual cost, with a minimum of $175
      • Foreign currency transaction: Conversion mark up: 3.5%
      • Rewards redemption fee: Up to Rs. 99
      • Cash Payment fee: Rs. 100
  • Surcharge
      • Railway tickets: Railway counters: Rs. 30 + 2.5% of transaction amount
      • Railway tickets – irctc.co.in : 1.8% of transaction amount + service charge, as applicable
      • Fuel and all products and services sold at petrol pumps: 2.5% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000, exclusive of all applicable taxes, wherever applicable and all other charges. Maximum surcharge waiver of Rs. 100 per statement cycle, per credit card account.
        2.5% of transaction amount (Min. 10) for transaction Amount Betweeen Rs. 500 to Rs. 3,000
      • Payment of Customs Duty: 2.25% of transaction amount, counting to a minimum of Rs. 75
  • Order of Payment Settlement

      All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

  • Things to know
      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • All taxes would be charged as applicable on all the above Fees, Interest & 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

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