KEY FACT 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 3.50% p.m. (42% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Secured
cards.
Minimum Finance Charges Rs.25
Overdue Finance Charges 3.65% per month (43.8% p.a.) if the Minimum Amount Due is not paid by the
due date twice in a 12-month period (except for Secured & Shaurya 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 Up to 80% of Credit Limit (Max. 12K / day for Gold and Titanium & 15K / day
for Platinum Cards and Signature/World Cards)
Free Credit Period Nil
Finance Charges 3.50% p.m. (42% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Secured
cards. The above-mentioned charges will be applicable from the date of Cash
withdrawal.
Minimum Finance Charges Rs.25
Overdue Finance Charges 3.65% per month (43.8% p.a.) if the Minimum Amount Due is not paid by the
due date twice in a 12-month period (except for Secured & Shaurya cards)
Cash Advance Fees

SBI ATMs/Other 2.5% of transaction amount (subject to a minimum of Rs. 500)

Domestic ATMs

International ATMs 2.5% of transaction amount (subject to a minimum of Min. Rs. 500)
Other Charges & Fees

Cash Payment fee Rs. 250

Payment Dishonor fee 2% of Payment amount (subject to a minimum of Rs. 500)

Statement Retrieval Rs. 100 per Statement (>2 months old)
Cheque Payment Fee Rs 100
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.1,000
Rs.750 for Total Amount Due greater than Rs.1,000 & up to Rs.10,000
Rs.950 for Total Amount Due greater than Rs.10,000 & up to Rs.25,000
Rs.1,100 for Total Amount Due greater than Rs.25,000 & up to Rs.50,000
Rs.1,300 for Total Amount Due greater than Rs.50,000
Additional Late Payment Rs.100
Charge

Overlimit 2.5% of Overlimit Amount (subject to a minimum of Rs. 600)

Card Replacement Rs. 100 - Rs. 250 (Rs. 1500 for Aurum)

Emergency Card Actual cost (subject to a minimum of $175 for VISA and
Replacement (When Abroad) $148 for Mastercard)
Foreign Currency Conversion mark up: 3.5% For All TATA Cards. W.e.f. 01 Jul 2022, Foreign
Transaction Currency Transaction fee will not be applicable on transaction refunds.
Dynamic & Static Currency Markup: 3.5% For All TATA Cards. W.e.f. 01 Jul 2022, Dynamic & Static Currency
Conversion Markup fee will not be applicable on transaction refunds.
Rewards Redemption Fee Rs. 99 (On Gifts, Statement Credit & Specific Vouchers Only)
(If Applicable)

Priority Pass Charges All Airport Lounge visits within India through the Priority Pass Program will be
(If Applicable) charged with an 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.