Oriental Bank of Commerce SBI Credit Card earn you reward points for every rupee you spent. Once you’ve a lump sum of points, redeem them against your outstanding balance or exchange them for gifts. The card also offers accelerated reward points on departmental store and grocery purchases. Additionally, you can enjoy freedom from fuel surcharges and a range of value-added services, such as balance transfer options, EMI conversions, and instant short-term loans. Lets’ find out more about it below!
Credit Card
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Terms and Conditions
By accepting our "Terms and Conditions" you authorize WIshfin and its associated Partner Banks to run a CIBIL/Experian check for your profile
To, TransUnion CIBIL Limited [Formerly known as Credit Information Bureau (India) Limited] One Indiabulls building ,Unit No 1901 – 1905, 19th Floor, Tower 2A-2B, Jupiter Mill compound, Senapati Bapat Marg, Lower Parel, Mumbai 400 013
Sub: Grant of Consent
Dear Sirs,
In connection with submission of the application for my credit information offered by CIBIL (“Consumer Credit Information”) through Wishfin and delivery of the Consumer Credit Information to the Company, I hereby acknowledge and agree to the following:
The Company is my lawfully appointed agent and he / it has agreed to be my agent for the purposes, including, without limitation, to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the Agreement entered into between the Company and TUCL, and the Company has granted its consent for being appointed for the aforesaid purpose.
I grant my unconditional consent to the Company to receive the Consumer Credit Information from TUCL on my behalf and use it in the manner consistent with the consistent with the Agreement entered into between the Company and TUCL, as the case may be, and the Company has granted its consent for being appointed for the aforesaid purpose. I hereby represent and acknowledge that: (a) I have carefully read the terms and conditions of the Agreement entered into between the Company and TUCL understood the same; or (b) the Terms of Understanding in relation to the use of the Consumer Credit Information has been agreed between me and the Company.
I hereby expressly grant unconditional consent to, and direct, TUCL to deliver and / or transfer my Consumer Credit Information to the Company on my behalf.
I shall not hold TUCL responsible or liable for any loss, claim, liability, or damage of any kind resulting from, arising out of, or in any way related to: (a) delivery of my Consumer Credit Information to the Company ; (b) any use, modification or disclosure by the Company of the contents, in whole or in part, of my Consumer Credit Information , whether authorized or not; (c) any breach of confidentiality or privacy in relation to delivery of my Consumer Credit Information to the Company ; (d) for any use made by the Company which is contrary to the Agreement entered into between the Company and TUCL.
I acknowledge and accept that: (a) TUCL has not made any promises or representations to me in order to induce me to provide my Consumer Credit Information or seek any consent or authorization in this regard; and (b) the implementation of the Agreement between TUCL and the Company is solely the responsibility of the Company
I agree that I may be required to record my consent / provide instructions electronically and in all such cases I understand that by clicking on the "I Accept" button below, I am providing "written instructions" to Wishfin authorizing Wishfin to obtain my Consumer Credit Information from my personal credit profile from TransUnion CIBIL LIMITED, [formerly known as Credit Information Bureau (India) Limited]]. I further authorize Wishfin to obtain such information solely to confirm my identity and display my Consumer Credit Information to me. Further in all such cases “By checking this box and clicking on the ‘Authorize button, I agree to the terms and conditions, acknowledge receipt of TUCL privacy policy and agree to its terms, and confirm my authorization for Wishfin to obtain my Consumer Credit Information .
I understand that in order to deliver the product to me, I hereby authorize Wishfin, to obtain my Consumer Credit Information from TUCL.
By submitting this registration form, I understand that I am providing express written instructions for Wishfin to request and receive information about me from third parties, including but not limited to a copy of my consumer credit report and score from consumer reporting agencies, at any time for so long as I have an active Wishfin account. I further authorize Wishfin to retain a copy of my information for use in accordance with [Wishfin’s] Terms of Use and Privacy Policy.
I UNDERSTAND THAT THE PRODUCT IS PROVIDED ON AN “AS-IS”, “AS AVAILABLE” BASIS AND TUCL EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
I shall not sue or otherwise make or present any demand or claim, and I irrevocably, unconditionally and entirely release, waive and forever discharge TUCL , its officers, directors, employees, agents, licensees, affiliates, successors and assigns, jointly and individually (hereinafter “Releasee”), from any and all manner of liabilities, claims, demands, losses, claims, suits, costs and expenses (including court costs and reasonable attorney fees) (“Losses”), whatsoever, in law or equity, whether known or unknown, which I ever had, now have, or in the future may have against the Releasee with respect to the submission of my Consumer Credit Information and / or my decision to provide TUCL L with the authority to deliver my Consumer Credit Information to the Wishfin . I agree to defend, indemnify, and hold harmless the Releasee from and against any and all Losses resulting from claims made against TUCL L by third parties arising from and in connection with this letter.
I agree that the terms of this confirmation letter shall be governed by the laws of India and shall be subject to the exclusive jurisdiction of the courts located in Mumbai in regard to any dispute arising hereof. TUCL is entitled to assign its rights hereunder to any third person without taking my prior written consent.
Yours faithfully,
Name :____________________________ Address : ____________________________ Date : ____________________________
Oriental Bank of Commerce SBI Credit Card – List of Benefits
2.5% of Value Back, 10 Reward Points on every Rs. 100
2.5% fuel surcharge at all petrol pumps
Earn 2,000 Reward Points on Spends of Rs. 2,000 (under 60 days of getting the card)
Fees & Charges Associated with OBC SBI Credit Card
Annual Fee:₹499
Renewable Fee:₹499
Types of Fees
Amount (In ₹)
Card Replacement
100-250
Rewards Redemption Fee
99
Payment Dishonor
500
Over Limit Fees
600
Finance Charges
3.50% per month
Cash Payment fee
250
Cash Advance Fees
500
Foreign Currency Transaction fee
3.5%(For All Cards Except Elite & Aurum)
Processing Fee on all Rent Payment Transactions
199
Balance Transfer
1.7% per month (for 180 days tenure)
Late Fees
Outstanding Amount
Charges
For the amount between ₹ 0 to ₹500
NIL
Exceeding ₹500 and up to ₹1,000
₹400
Exceeding ₹1,000 and up to ₹10,000
₹750
Exceeding ₹10,000 and up to ₹25,000
₹950
Exceeding ₹25,000 and up to ₹50,000
₹1,100
Above ₹50,000
₹1,300
Eligibility Criteria
Know the eligibility criteria of the SBI Card by reading the points below.
An applicant should be an Indian resident
He/she should not be less than 18 years of age and should not be more than 65 years.
An applicant should have a good credit score and should not be a previous loan/credit card defaulter.
Documents Required to Apply
For your reference, below are the important documents you need to carry while applying for Oriental Bank of Commerce-SBI Card.
SBI bank offers you this online facility with the help of which you can anytime check the real-time status of your credit card application. You just need to visit the site with an application number with you and submit the same so as to know the actual status of your rewards credit card. Its quick, convenient and hassle-free thing to know the same as this online facility allows you to do the same.
Oriental Bank of Commerce-SBI Card Statement
Receive your credit card statement on a monthly basis and know all the nitty and gritty of your account. You can check the statement anytime from anywhere and know your account details without any hassle. All you have to ensure that your mail ID is registered with the bank so that you get the statement each month in your inbox.
Customer Care Number
The customer care team of the bank is always there to help and support you via its helpline number available at your service. You just need to dial 39 02 02 02 (prefix local STD code) or 1860 180 1290 from your registered mobile or landline number and be ready to get the answers of all your queries, concerns and complaints.