SBI Advantage Plus Card : State Bank of India : Rupee Times

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CREDIT CARD DETAIL

SBI Advantage Plus Card

Card Highlights

Card Class	Standard (Issued against Fixed Deposit)
Card Type	Classic
Issuer	State Bank of India
Offered Type	VISA
Rewards

Main Features

Post issuance of the SBI Advantage Plus Card, SBI Card will provide card holder an Encash facility and transfer the funds to State Bank of India to facilitate the opening of a Fixed Deposit in his name at SBI. The card comes with a credit limit of upto 85% of the FD amount. The card is accepted worldwide. Credit facility is also offered to the customer with this card. Add-on cards can also be issued for the family members above 18 years of age. Balance transfer facility is also available with this card. Card holder can even order a bank draft any time by just making a local phone call to the SBI Card Customer Helpline.

Card Rates

Purchases:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	0% per month

Balance Transfers:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	0% per month

Fees & charges

Joining Fee	Rs. 500
Annual Fee	Rs. 500
Add On Card Fee	NIL
Cash Advance Limit	Upto 100% of Credit Limit
Cash Advance Transaction Fee	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
Finance charges on cash advances /extended credit	Upto 1.99% p.m. (23.88% p.a.) from the transaction date
Late Payment	NIL for Total Amount Due upto Rs. 500; Rs. 200 for Total Amount Due from Rs. 501 - Rs. 1,000; Rs. 350 for Total Amount Due from Rs. 1,001 - Rs. 5,000; Rs 500 for Total Amount Due from Rs 5,001 - Rs 10,000;Rs. 700 for Total Amount Due above Rs. 10,001
Free Credit Period	20-50 days (applicable only on retail purchases and if previous months outstanding balance is paid in full)
Minimum Amount Due	5% of Total Outstanding (Min Rs. 200) + Govt. Service Tax
Cheque Pickup Fee	Rs 90
Cheque Bounce Fee	2% of Cheque dishonor amount (Min Rs. 350, Max Rs. 500)
Invalid Cheque Fee	2% of Cheque dishonor amount (Min Rs. 350, Max Rs. 500)
Replacement Card Charges	Rs 100
Emergency Replacement(when overseas)	Actual Cost (Min. $175)
Charge Slip Request	Rs. 225 per Chargeslip
Air/Railway Booking Comment	Railway Counters - Rs. 30 + 2.5% of transaction amount online - 1.8% of transaction amount + service charge, as applicable
Fuel Surcharge	2.5% Min.: Rs 10
Foreign Currency Transaction Charges	3.5%
Retrieval Fee/Copy Request Fee	Rs 100
Service Tax	10.3%

Rewards & Benefits

Services & Features

General Features:

Photo Option	No
Add On Card	Yes
Internet Web Based Access	Yes
Coverage	International
Concierge Service	No
Invitation to Special Events	No
Road Assistance	No
Forex & Travel Cheque Services	No
Access to 24-Hour Customer Care Centre	Yes
Personal Loan Facility	No
EMI on Call Facility	No
Dial a Draft Facility	Yes
Rewards Programme	No
Global Emergency Assistance Service	No

Insurance:

Hospitalization Benefits

Other Features:

Credit free period of upto 50 days and extended credit facility with very low interest rate of 1.99% p.m.
Easy Bill Payment is also extended to the customer with this card.
Through Flexipay, card holder can buy just about anything and repay in easy monthly installments.
Card holder can always stay updated about his credit card status through E statements, SBI card Alerts and SBI Card Online.

Eligibility Criteria

Salaried

Self Employed

Retired Pensioners

Terms & Conditions

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