Here you'll Get All details about Paytm Sbi Credit Card | Benifits | Features .
How to Apply :-
1. Goto Apply Page Link .
2. Now Select Paytm Sbi Card.
3. Now Fill your All details.
4. Thats it . Executive will contact you for further Details.
1. Features .
Welcome Offer Details:-
Complimentary Paytm First Membership is provided to Paytm SBI Cardholders upon card activation i.e. post first settled retail transaction on Cardholder Account
Click here for Paytm First Membership details
How Much Cashback you'll Get:-
- Paytm SBI Cardholders are eligible for 3% Cashback on all Paytm Mall, Movies and Travel purchases through Paytm App
- Paytm SBI Cardholders are eligible for 2% Cashback on all other purchases through Paytm App
- Paytm SBI Cardholders are eligible for 1% Cashback everywhere else
- Percentage cashback will be earned by Cardholders in the form of Reward Points on minimum transaction size of Rs. 100 each which are automatically redeemed as Paytm Gift Voucher balance. This Paytm Gift Voucher balance is added to Cardholder’s Paytm Wallet linked to the registered mobile number on the card and Cardholder can use this Gift Voucher balance for purchases through the Paytm App
- Once the Reward Points are converted into Paytm Gift Voucher balance, Cardholder will need to reach out Paytm for the information related to Gift Voucher use and terms & conditions
- All QR based transactions done through Paytm App using Paytm SBI Card will be categorized under 1% Cashback category
- Cashback will not be applicable for spends done on any Wallet Load (Paytm or any other App) as well as fuel spends
1% Fuel Surcharge waiver
- 1% Fuel Surcharge waiver for each transaction between Rs.500 and Rs.3,000. Maximum Surcharge waiver of Rs. 100 per statement cycle, per credit card account
Complimentary Cyber Fraud Insurance
- Paytm SBI Cardholders are covered up to Rs. 1,00,000 of financial loss incurred due to fraudulent usage of your Credit Card. This protects the cardholder against the misuse of his/her Credit Card. In case of loss / damage of your card you will have to apply for a replacement card and pay the fee as applicable at that time. This protection is insured by ICICI Lombard General Insurance Company Ltd. SBI Cards and Payment Services Limited (“SBI Card”) (formerly known as SBI Cards and Payment Services Private Limited) is only acting as a group policy administrator for this particular policy. SBI Card does not accept any responsibility for ICICI Lombard's actions or decisions. SBI Card holds no warranty & makes no representation about claims processing. ICICI Lombard is liable for claims processing as per the terms and conditions of this policy. Conditions apply.
Milestone Benefit – Paytm First Membership
- Paytm SBI Cardholders are eligible for a complimentary Paytm First Membership at renewal on achieving annual milestone retails spends of Rs. 1,00,000
Worldwide Acceptance
- Your Paytm SBI Card is an International Credit Card and can be used at over 24 million outlets worldwide, including 3,25,000 outlets in India.
- Use your card to make payments at any outlet that accepts Visa
Add-on Cards
- With your Paytm SBI Card, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18 years.
Utility Bill Payment
- Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your; Paytm SBI Card
Balance Transfer on EMI
- Save money while paying your credit card dues
- Transfer the outstanding balance of other banks; credit cards to your Paytm SBI Card, and avail a lower rate of interest and pay back in EMIs
- Log on to sbicard.com with your user ID and password to benefit from this service
- Click here to know more about Balance Transfer on EMI
Flexipay
- With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your card, and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay
Easy Money Facility
- With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
- Log in with your username and password to sbicard.com to book Easy Money
2. Fees & Charges.
Fees
- Joining fee:Rs. 499
- Renewal fee, per annum: Rs. 499
- Add-on fee, per annum: Nil
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: Upto Rs.25 or 3.35% per month (40.2% per annum) whichever is higher, from the date of transaction
- Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any).
Cash Advance
- Cash advance limit: Up to 80% of the credit limit, maximum Rs. 12,000 per day.
- Free credit period: Nil
- Finance charges: Upto Rs.25 or 3.35% per month (40.2% per annum) whichever is higher, from the date of withdrawal
- Cash Advance Fee
- SBI or other domestic ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500
- International ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500
Other Charges
- Statement retrieval: Rs. 100 per statement that is more than 2 months old
- Cheque pickup: Rs. 100
- Cheque Fee: Rs. 100 (Payments made via cheque upto Rs. 10,000)
- Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 450
Late payment:
- NIL for Total Amount due from Rs.0-Rs.500;
- Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
- Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
- Rs. 950 for Total Amount due greater than Rs. 10.000 & up to Rs. 25,000
- Rs. 1100 for Total Amount due greater than Rs. 25,000 & up to Rs. 50,000
- Rs. 1300 for Total Amount due greater than Rs. 50,000
- Overlimit: 2.5% of overlimit amount subject to a minimum of Rs. 500
- Card replacement: Rs. 100
- Emergency card replacement, when abroad: Nil
- Foreign currency transaction: Conversion mark up: 3.5%
- Dynamic Currency Conversion: Markup Fee: 3.50% (For All Cards Except Elite) 1.99%(For Elite Cardholders Only) (Only for transactions greater than or equal to Rs. 1,000)
- Priority Pass Lounge Charges : All Airport Lounge visits within India through the Priority Pass Program will be charged with an 19 usage fee of $27 per visit + applicable taxes. All Airport Lounge visits outside India through the Priority Pass Program, after exhausting the complimentary visits, will be charged with an usage fee of $27 per visit + applicable taxes. For more details, please visit sbicard.com All guests being accompanied by the SBI Cardholder having the Priority Pass, to visit the Airport Lounge will be charged with an usage fee of $27 per visit + applicable taxes.
- Cash Payment Fee: Rs. 199
- Surcharges
- Railway tickets through counters: Rs. 30 + 2.5% of transaction amount
- Railway tickets through irctc.co.in: 1.8% of transaction amount + service charge, as applicable
- Petrol and other products or services sold at petrol pumps: 1% fuel surcharge waiver for each transaction upto Rs. 10,000, exclusive of applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 100 per statement cycle, per credit card account
- Order of Payment Settlement
- All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.
Important Things to know
- Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
- All taxes would be charged as applicable on all the above Fees, Interest & Charges.
- Your continued use of the card will be deemed acceptance of these amendments.
- For assistance, please call SBI Card helpline at:
- Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290
- All information in this communication is correct as per July 2018 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com
- “SBICPSL" may engage, hire, use the services of agent(s) and/or any third party(ies) for the purpose of providing marketing or sales related services or any other related services in relation to its products on its behalf and the customer may be required to deal with such agents/third parties/service providers with respect to such product/services.
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