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Thursday, December 17, 2015

SBI Credit Card

 

SBI Credit Card

SBI and GE Capital Services joint venture is the second largest credit card issuer in the country with around 4 million card holders. This JV offers you Gold, Silver and Platinum Card and other partnership cards like card for doctors, railway cards, lifestyle cards etc.

SBI offers two per cent cash back facility while using your card in departmental stores, restaurants and while paying your utility bills, without any extra fees. SBI's Gold, Silver and Platinum cards are accepted worldwide and provides 0% fuel surcharge waiver. You can also order a bank draft over the phone any time and also transfer your current credit card balance to your SBI Card at a much lower interest rate. You also get a discount of up to 3.5 per cent and on international tickets purchased through Carlson Wagonlit Travel Services.

Features

 

Card Name SBI- Silver Card SBI-Gold Card SBI-Platinum Plus Card
Network Master Card Master Card Visa Card
Joining Fee (in rupees) Free Free Free
Annual Fee (in rupees) Free for life Free for lifeFree for life
Add On Card - Issue Fee Free Free Free
Interest Rate -on revolving Credit 44.25% p.a from Transaction date 44.25% p.a from Transaction date 44.25% p.a from Transaction date
Interest Rate -on Cash Withdrawal 44.25%p.a 44.25%p.a 44.25%p.a
Interest Rate - on Balance Transfer As per the New scheme 0% for the  first 3 months As per the New scheme 0% for the  first 3 months As per the New scheme 0% for the  first 3 months
Reward points 2% Cash back at selected merchants 2% Cash back at selected merchants Earn 1 power point on every Rs 40 spend
Surcharge on Fuel 0% surcharge for single transaction spend between Rs. 400/- and Rs. 3,000/- 0% surcharge for single transaction spend between Rs. 400/- and Rs. 3,000/- 0% surcharge for single transaction spend between Rs. 400/- and Rs. 3,000/-
Cash Withdrawal Fee 2.5% or Rs 250 whichever is high(Domestic ATMs) and 3% or Rs 250 whichever is high (International ATMs) 2.5% or Rs 250 whichever is high(Domestic ATMs) and 3% or Rs 250 whichever is high (International ATMs)2.5% or Rs 250 whichever is high(Domestic ATMs) and 3% or Rs 250 whichever is high (International ATMs)
Late Payment Charges NA NA NA
Late Payment Fee 30% of minimum amount due(Min. of Rs. 350 & Max. Rs. 600) 30% of minimum amount due(Min. of Rs. 350 & Max. Rs. 600) 30% of minimum amount due(Min. of Rs. 350 & Max. Rs. 600)
Overlimit Charges 2.5% of overlimit amount or Rs. 500 whichever is higher 2.5% of overlimit amount or Rs. 500 whichever is higher 2.5% of overlimit amount or Rs. 500 whichever is higher
Maximum Credit Free Period Up to 50 days Up to 50 days Up to 50 days

Best Tax Saver Mutual Funds or ELSS Mutual Funds for 2015

1. BNP Paribas Long Term Equity Fund

2. Axis Tax Saver Fund

3. IDFC Tax Advantage (ELSS) Fund

4. ICICI Prudential Long Term Equity Fund

5. Religare Tax Plan

6. Franklin India TaxShield

7. DSP BlackRock Tax Saver Fund

8. Birla Sun Life Tax Relief 96

9. Reliance Tax Saver (ELSS) Fund

10. HDFC TaxSaver

Invest Rs 1,50,000 and Save Tax under Section 80C. Get Good Returns by Investing in ELSS Mutual Funds Online

Invest in Tax Saver Mutual Funds Online

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For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call

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