Write a review
 
  
Apply
State Bank of India
State Bank of India
5.0/5

About State Bank of India Credit Cards

SBI is the largest Public sector bank of India and offers a comprehensive suite of banking products to its customers. SBI cards cater to various customer needs and also offer lucrative reward programs

FAQs about State Bank Of India Credit Cards:

Am I eligible?

State Bank Of India have different eligibility criteria for issuing different type of credit cards based on age, income, financial history etc.

Are there any charges?

Many cards of State Bank Of India comes with free joining fees, but there are still few State Bank Of India credit cards which have joining and annual fee structures. One must look at the same while applying for a credit card.

Can I use my State Bank Of India credit card in a month over my credit limit?

While your transaction will be most likely declined, in some cases it may be allowed but an over limit charges will be levied.

Can I withdraw cash from State Bank Of India credit card?

Yes, State Bank Of India do allow cash withdrawal up to a percentage of the defined credit limit. However, there are additional charges associated with it.

How can i enhance my credit limit?

Credit limit is a function of your credit history and financial strength with State Bank Of India, it takes time and discipline to make a strong history basis which your limit can be increased.

How much credit limit can I get?

Credit limit is a function of individual financial profile and is decided by State Bank Of India.

What about interest charges?

If one makes the payment for the Total Amount Due before the prescribed Payment Due Date, no interest charges will be applicable. Therefore, you can enjoy interest-free credit from the date of purchase to the date on which the payment is due. Interest-free period ranges from 18 to 48 days in State Bank Of India. However, interest will be charged if you do not pay back the Total Amount Due of the previous month statement by the payment due date. Interest is computed on the Total Amount Due and on all new transactions till such time the previous outstanding amounts are settled in full.

What is a credit card?

A credit card is a financial product which has a pre defined spending limit assigned and can be used by the owner/set of owners to conduct financial transactions up to the limit assigned. It comes with a interest free period for using the assigned credit limit.
Know Your CIBIL Score: When considering your eligibility for the loan, all lenders will seek out your CIBIL score to confirm your reliability as a borrower.

Competition

Recent Review

265 days   ago
RATED 5.0 SBI has been good in the services and the offers they provide on the credit card. But they have given me a very minimum credit limit when compared to the other cards I use. But overall I am happy with the discounts and the facilities they provide on the EMI.

Trending Reviews

Recent reviews