Oriental Bank of Commerce Credit Card

Oriental Bank of Commerce (OBC) credit cards are financial products offered by the bank, providing customers with a convenient way to make purchases and manage their finances. These credit cards come with various features and benefits, including reward points, cashback offers, and discounts with partner merchants. OBC credit cards also offer payment flexibility, allowing cardholders to make purchases on credit and settle their dues later. The specific features and types of OBC credit cards may vary, catering to different customer needs and preferences.

Features and Benefits of Oriental Bank of Commerce Credit Card

The features and benefits of Oriental Bank of Commerce (OBC) credit cards may vary depending on the specific card variant. However, here are some common features and benefits associated with OBC credit cards:

  1. Wide Acceptance: OBC credit cards are widely accepted at various merchants, both online and offline, making it convenient for cardholders to make purchases.
  2. Reward Points: Cardholders can earn reward points for every transaction, which can be redeemed for discounts, merchandise, or other rewards.
  3. Cashback Offers: Some OBC credit cards offer cashback on specific categories of spending, such as dining, fuel, or groceries.
  4. Interest-Free Credit Period: OBC credit cards typically provide an interest-free period, allowing cardholders to make purchases without incurring interest charges if the outstanding balance is paid in full by the due date.
  5. EMI Facility: Cardholders can convert high-value purchases into equated monthly installments (EMIs) for easier repayment.
  6. Balance Transfer: OBC credit cards may allow balance transfers from other credit cards, often at lower interest rates.
  7. Add-On Cards: Cardholders can request add-on cards for family members, allowing them to share the credit limit while keeping track of individual spending.
  8. Online Account Management: OBC provides online access to credit card accounts, enabling cardholders to monitor transactions, check statements, and make payments conveniently.
  9. Insurance Coverage: Some OBC credit cards offer insurance coverage, such as travel insurance or accidental insurance, as a benefit.
  10. Fuel Surcharge Waiver: Many OBC credit cards offer a waiver on fuel surcharges at petrol pumps, making it cost-effective for cardholders.
  11. Discounts and Offers: Cardholders may receive exclusive discounts and offers at partner merchants and dining establishments.
  12. Contactless Payment: OBC credit cards are often equipped with contactless payment technology for quick and secure transactions.

Oriental Bank of Commerce Credit Card Fees and Charges

Fee Structure for Oriental Bank of Commerce – SBI Card and Oriental Bank of Commerce – SBI Platinum Credit Card:

1. Joining Fee: Oriental Bank of Commerce – SBI Card: Rs. 499
2. Annual Fee: Oriental Bank of Commerce – SBI Card: Rs. 499
3. Interest Rate: Both Cards: 40.2% per annum (3.35% per month)

Oriental Bank of Commerce Credit Card Eligibility Criteria

  • The OBC Laghu Udyami Credit Card, known as the Oriented Business Card Scheme (OBCS), is exclusively available to individuals engaged in various pursuits, including retail traders, small business entities, artisans, small-scale enterprises, village industries, self-employed professionals, and more.
  • The OBC Swarojgar Credit Card Scheme, on the other hand, is specifically designed for micro-entrepreneurs, handloom weavers, small artisans, and similar categories.
  • The Kisan Credit Card, termed as the Oriented Green Card (OGS), is extended to cultivators, farmers, and artisans actively involved in agricultural and allied activities.

Documents Required for Oriental Bank of Commerce Credit Card

To apply for an Oriental Bank of Commerce (OBC) credit card, you need to provide certain documents for verification:

  1. Proof of Identity: You can submit documents such as PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, or letters issued by the UIDAI.
  2. Proof of Address: Accepted documents include Aadhaar card, Driver’s License, Passport, a Utility Bill not older than 3 months, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, or a Bank Account Statement.
  3. Proof of Income: For income verification, you’ll need to provide either your latest one or two salary slips (not more than 3 months old), your latest Form 16, or the last 3 months’ bank statement.

How To Apply for Oriental Bank of Commerce Credit Card?

To apply for an Oriental Bank of Commerce (OBC) credit card, you can follow these general steps:

  1. Visit the Official Website:
    Go to the official website of Oriental Bank of Commerce. Look for the “Credit Cards” section or a similar option.
  2. Browse Credit Card Options:
    Browse through the various credit card options offered by OBC. Choose the one that best suits your needs, whether it’s a rewards card, cashback card, travel card, or any other type.
  3. Check Eligibility:
    Review the eligibility criteria for the selected credit card. Make sure you meet the income requirements and other conditions specified by the bank.
  4. Complete the Application Form:
    Fill out the online credit card application form. You will need to provide personal information, contact details, employment details, and other required information.
  5. Submit Required Documents:
    Upload or submit the necessary documents to support your application. Common documents include proof of identity, proof of address, and proof of income. Ensure that the documents are clear and in the required format.
  6. Review and Submit:
    Double-check the application form to ensure that all information is accurate. Once you are satisfied, submit the application online.
  7. Application Processing:
    The bank will review your application and documents. They may also perform a credit check to assess your creditworthiness.
  8. Verification and Approval:
    If your application is approved, you will receive a confirmation from the bank. This confirmation will include details about the credit limit, card features, and terms and conditions.
  9. Receiving the Card:
    Once approved, your OBC credit card will be sent to your registered mailing address. Follow the instructions provided by the bank to activate your card.
  10. Start Using Your Card:
    Once activated, you can start using your OBC credit card for making purchases, online transactions, and more.

If you prefer, you can also visit an Oriental Bank of Commerce branch to apply for a credit card in person. Bank representatives can provide assistance and guidance throughout the application process.

List of Oriental Bank of Commerce Credit Card

Here is a list of some of the OBC credit cards:

  1. Oriental Bank of Commerce Platinum Credit Card
  2. Oriental Bank of Commerce Titanium Credit Card
  3. Oriental Bank of Commerce SBI Credit Card
  4. Oriental Bank of Commerce SBI Platinum Credit Card

Each of these cards may have had different features, benefits, and rewards, such as cashback offers, reward points, and discounts. Additionally, OBC credit cards might cater to various customer segments and purposes, such as travel, shopping, and dining.