SBI Card

• Annual Fee, one time: Up to Rs. 1,499
• Renewal Fee, per annum:  Rs. 1,499 from second year onwards
• Add-on fee, per annum: Nil

• Interest free credit period: 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full
• Finance charges: Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction
• 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)

• Cash advance limit: Up to 80% of the credit limit, maximum Rs. 15,000 per day
• Free credit period: Nil
• Finance charges: Up to 3.35% per month accounting to 40.2% per annum from the date of withdrawal

• SBI or other ATMs: 2.5% of withdrawal or Rs. 300 per transaction, whichever is higher
• International ATMs: 3.0% of withdrawal or Rs. 300 per transaction, whichever is higher

• Cash Payment Fee: Rs. 100
• 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 that is 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
• Overlimit: 2.5% of overlimit amount subject to a minimum of Rs. 500
• Card replacement: Rs. 100
• Card replacement, when abroad: Nil
• Foreign currency transaction: Conversion mark up - 3.5%
• Rewards redemption fee: Up to Rs. 99. Nil for redemption on Air India Miles

• Railway tickets through counters: Rs. 30 + 2.5% of transaction amount
• Railway tickets through irctc.co.in: 1.8% of transaction amount + service charge, as applicable
• Petrol and other products or services sold at petrol pumps: 2.5% fuel surcharge waiver for each transaction between Rs. 500 & Rs. 4,000, exclusive of all applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card accounts.
• Payment of customs duty: 2.25% of transaction amount, minimum of Rs. 75

All taxes would be charged as applicable on all the above Fees, Interest & Charges.

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.