SBI credit card ?? late payment, Overlimit, Reward redemption, Emergency card replacement, Bill payment, Cash

SBI credit Card (Krishak Unnati??) customers, Please note that the following fees and charges are not applicable for Krishak Unnati SBI Card Cash Advance Fee (No Cash Limit Allocated), Forex Markup (Intemational usage not allowed) Cash Payment Fee, Finance Charges, Late Payment Charges, Payment Dishonor Fee, Card Replacement Fee, Cheque Fee, Cheque Pickup Fee, Statement Retrieval Fee, Overlimit Fee, Reward Redemption Fee. Surcharges and other duties (along with applicable taxes) will be applicable. This Card does nof offer Cardholder a revolving credit facility. Cardholder has to pay Total Amount Due printed on the Statement.

Extended credit

• 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 - 3.35% p.m. (40.2% p.a.) for Unsecured Cards, 2.5% p.m (30% pa.) for Secured Cards.
• Minimum amount due- 5% of Total Outstanding (Min. Rs. 200) + all applicable taxes+ EMI (in case of EMI based products)+OVL amount (if any)

Cash advance

• Cash advance limit - Upto 80% of Credit Limit (Max 12k/day for Gold and Titanium & 15k/day for Platinum Cards &Signature Cards).
• Free credit period - Nil
• Finance charges - 3.35% ?.m (40,2% pa) for Unsecured Cards, 2.5% pm (30% pa.) for Secured Cards.
• Cash advance fees SBI ATMs/Other Domestic ATMs - 2.5% of transaction amount (subject to a minimum of 300)
• International ATMs - 3.0% of transaction amount (subject to a minimum of(300)

SBI credit card bill payment charges

• Cash payment fees - Rs.100
• Cheque pickup - Rs.90
• Payment dishonor fee - 2% of Payment amount(subject to a minimum of Rs. 450)
• Statement Retrieval -  Rs.100 per Statement (>2 months old)
• Chque fee - Rs.100 (Cheque payment upto Rs.2000)

SBI credit card ?? Late payment

• Nil for Total Amount Due from Rs. 0-200
• Rs.100 for Total Amount Due greater than Rs.200 & up to Rs.500
• Rs.400 for Total Amount Due greater than Rs. 500 & up to Rs.1000
• Rs.500 for Total Amount Due greater than Rs.1000 & up to Rs.10,000
• Rs.750 for Total Amount Due greater than10,000

Overlimit charge - 2.5% of Overlimit Amount (subject to a minimum of Rs.500)

Emergency ?? card replacement (when abroad) - Actual cost (subject to a minimum of 175)
Foreign currency transition - Conversion mark up: 3.5% (ForAll Cards Except Elite) 1.99% (For Elite Cardholders Only)

SBI Crefit Card Reward redemption fee - Rs.R99

Surcharge

• Railway tickets - ?? Railway counters - 30 + 2.5% of transaction amount.
• Railway tickets - www.irctc.co.in - 1.8% of transaction amount + all applicable taxes.
• Petrol and all products/services sold at petrol pumps - 1% of transaction value or Rs. 10whichever is higher 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) for single transaction spends between 500 and 4000 for Signature & Platinum Cards; 500 and 3000 for all other cards Maximum surcharge waiver of R 250 per statement cycle per credit card account for Signature & Platinum Cards; 100 per credit card account for all other cards.
• Payment of custom duty - 2.25% of transaction amount(subject to a minimum of 75).