GSTIN of SBI Card : 06AAECS5981K1ZV Stmt/Debit Note/Credit Note/Tax Invoice (ORIGINAL FOR RECIPIENT)

Credit Card Number

XXXX XXXX XXXX XX41

KUSH SHARMA Dear SBI Cardholder,
**Total Amount Due ( ` )
KEI INDUSTRIES To get regular updates and
33,067.00 information on our latest offers,
please ensure your mobile number
PLACE OF SUPPLY : DEL/7/DELHI **Total Amount Payable ( ` ) and email id is always updated in
our records.
STMT No. : C23070349820 33,067.00

***Credit Limit ( ` ) (including cash) *** Cash Limit ( ` ) (as part of credit limit) Statement Date

50,000.00 0.00 02 Jul 2023

*** Available Credit Limit ( ` ) *** Available Cash Limit ( ` ) Payment Due Date

16,932.58 0.00 22 Jul 2023

ACCOUNT SUMMARY

Payments, Additions
Previous Balance Total Outstanding
Reversals & other Purchases & Other Fee, Taxes &
(`) Credits ( ` ) (`)
Debits ( ` ) Interest Charges ( ` )

6,140.28 6,174.98 33,102.12 0.00 33,067.00

SHOP & SMILE SUMMARY

Previous Balance Earned Redeemed/Expired Closing Balance Points Expiry Details

0 0 0 0 NONE

Transaction Details
Date Amount ( ` )
for Statement dated 02 Jul 2023

19 Jun 23 NEFT CORPORATE PAYMENT RECEIVED 6,140.28 C

27 Jun 23 FUEL SURCHARGE WAIVER EXCL TAX 34.70 C
TRANSACTIONS FOR KUSH SHARMA
15 Jun 23 AMAZON PAY INDIA PRIVA BANGALORE IN 2,765.00 D
18 Jun 23 AIROLI SERVICE CENTRE MUMBAI IN 4,507.30 D
23 Jun 23 SONAL SUPER SERVICES MUMBAI IN 5,061.40 D
24 Jun 23 MSW*SHA SOHANLAL SARAF Mumbai IN 2,520.00 D
25 Jun 23 Avenue Supermarts Ltd MUMBAI IN 1,508.00 D
27 Jun 23 GILL AUTO SERVICE MUMBAI IN 3,511.07 D
27 Jun 23 One MobiKwik System P GURGAON IN 440.00 D
28 Jun 23 One MobiKwik System P GURGAON IN 5,190.35 D
28 Jun 23 One MobiKwik System P GURGAON IN 415.00 D
28 Jun 23 One MobiKwik System P GURGAON IN 297.00 D
29 Jun 23 ONE MOBIKWIK GURGAON IN 310.00 D
29 Jun 23 One MobiKwik System P GURGAON IN 140.00 D
29 Jun 23 One MobiKwik System P GURGAON IN 197.00 D
29 Jun 23 ONE MOBIKWIK GURGAON IN 2.00 D
01 Jul 23 One MobiKwik System P GURGAON IN 5,198.00 D
01 Jul 23 One MobiKwik System P GURGAON IN 1,040.00 D

Total Amount Due(TAD) needs to be paid by payment due date to avoid levy of finance charges on new transaction done after the statement date.
Important Messages
>The SBI Corporate Card is meant for official expenses only. The offers (and similar other offers)should be availed in compliance with your Organisation’s Corporate Card Policy.
Please contact your Organisation’s Corporate Card Program Manager for more details on this policy prior to availing these offers.
>As per the RBI Master direction dated 21 April’22, cardholders are requested to update nominee details for the complimentary Air Accident / Personal Accident cover
offered on their Credit Card(s). For details, refer Insurance Nominee section on the subsequent page.
>This is to notify that insurer oriental Insurance will replace SBI General against Fidelity Employee Fraud related insurance cover offered on your SBI Corporate Signature/
Platinum Card. Click here for more details of the policy.

**Amount required to be paid this month in order to avoid levying of finance charges(Please refer overleaf for charges)
Content of this Statement will be considered correct if no error is reported within 20 days.
***All credit & cash limits (including temporary limit) shown do not include Dynamic Credit Limit facility, as may be applicable on your Corporate card. For any clarification,
please contact our Corporate Services team.
. Terms & Conditions . Fee & Charges . Specific Features . Reach Us
In the event of non-payment / short payment of the Instant information 24X7, by just sending an SMS to 5676791
Minimum Amount Due for more than three successive
Simply
months or 90 days whichever is earlier, your encash/ SMS Balance Enquiry: Available Credit & Cash limit:
flexipay/ encash inline shall be closed on 91st day and BAL XXXX AVAIL XXXX
the principal outstanding along with the outstanding Hotlist Lost/Stolen Card: Last Payment Status:
interest accrued till the date of such closure shall be BLOCK XXXX PAYMENT XXXX
debited to the Credit Card Account and appear in the
Reward Point Summary: Subscribe to Estatement:
subsequent monthly statement. SBI Card shall be
REWARD XXXX ESTMT XXXX
entitled to demand immediate repayment of such
Duplicate Statement:
consolidated outstanding amounts. As a part of the
DSTMT XXXX Statement Period in MMYY
Credit Card Account, this balance will now attract all
XXXX = Last 4 Digits of the Card No.
the charges including finance charges at the credit card
rate of interest, over-limit charges in the event account Important Notes
balance post transfer of loan outstanding if any
exceeds the existing Credit Card limit as mentioned in •Description of Services :- Credit Card Services
the cardholders MITC. •HSN Code : 997119
•Declaration : We hereby declare that the tax in relation to this
statement is not payable under reverse charge mechanism
Important Information on Disputed Transaction(s): •Name and the address of the supplier : SBI Cards and Payment
•Kindly note that this temporary credit (T) has been rendered to Services Limited (SBI Card), DLF Cyber City, Tower C,
you in the interim and though the amount is included in your Block 2, Building 3 DLF Infinity Towers,12th Floor, Gurugram,
available credit limit, you will not be able to spend the amount HR - 122002
while the dispute is still under investigation.
•As we are dependent on feedback from external parties such as Log onto sbicard.com to view the “Most Important Terms &
acquiring bank, closure of such disputes may take up to a Conditions” & updated information on all ongoing offers.
maximum of 120 days from date of initiation of investigation.
•Post completion of the investigation, in case the dispute is Safety First
not closed in cardholder’s favor, the temporary credit shall be
reversed and corresponding debit entry shall reflect on the •Ensure the safety of your Corporate Card, PIN number
card account. However, in case the dispute gets resolved in and security code by all means.
favor of the cardholder, the temporary credit shall be •Whenever you travel abroad, stay informed about the
regularized and replaced by a permanent credit. Reward Points benefits you can avail in case of card loss or theft, such
for the disputed transaction will be debited in case the dispute is card insurance plan & Emergency Card replacement
closed in cardholders favor. Further any charges levied on the services.
disputed transaction during the period of investigation will be •Check your Corporate card statements carefully for any
reversed,however same will be billed in the subsequent card suspicious transaction.
statement, incase the dispute is not closed in cardholders favor.
•All transaction disputes are resolved as per the Network
(VISA, MasterCard, Rupay, Amex) Guidelines. You will receive
continuous updates on status of the dispute.

INSURANCE NOMINEE
SBI Card offers complimentary Air Accident / Personal Accident Insurance cover on certain credit cards.
To update the nominee details, please mail the Nominee Name and Relationship with the Nominee to customercare@sbicard.com from
your registered E-mail ID.
The said insurance is provided by a third-party insurance company, who is also responsible for any claim settlement in this regard. SBI
Card shall not be responsible for any dispute arising due to claim settlement. Insurance issuer can be changed by SBI Card without any
prior notice.
Current Insurance Company : Oriental Insurance Company Ltd, Address: The Oriental Insurance Co. Ltd., Divisional Office, Thodupuzha
(442600), 1st Floor, Jyothi Super Bazar, Thodupuzha, Idukki, Kerala –685584| Tel. No. : 0486 2222823

•Declaration : I/We hereby declare that though our aggregate turnover in any preceding financial year from 2017-18 onwards is more
than the aggregate turnover notified under sub-rule (4) of rule 48, we are not required to prepare an invoice in terms of the provisions
of the said sub-rule.

Version 2.0 / JUL, 2022

For SBI Cards and Payment Services Limited (SBI Card).

Authorized Signatory
 Schedule of Charges
Fees** Platinum Signature Virtual Card
Joinning Fee (one time) NIL NIL NIL
Annual Fee (p.a.) NIL RS.499 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) 15-32
days(applicable only in case of SBI Corporate Utility Card)
Finance Charges# Upto 3.35% p.m. (40.2% p.a.) from the transaction date (It is a
charge card and does not offer revolving facility)
Total Amount Payable Total Outstanding Due
Cash Advance (If Applicable)**
Cash Advance Limit (If Applicable) Variable
Free Credit Period Nil
Finance Charges# Upto 3.35% p.m. (40.2% p.a.) from the date of withdrawal
Cash Advance Fees (If Applicable)
SBI ATMs / Other Domestic ATMs Upto 2.5% of withdrawal amount or upto Rs. 450 (WIH) per
transaction
International ATMs Upto 3% of withdrawal amount or upto Rs. 450 (WIH) per
transaction
Other Charges & Fees (If Applicable)
Payment Dishonor fee 2% of Payment amount (subject to a minimum of `350)
Late Payment NIL for Outstanding Amount from Rs.0-Rs.200;
Late Payment charges will be Rs.100 for Outstanding Amount greater than Rs.200 &
applicable if Minimum Amount Due is upto Rs.500;
not paid by the payment due date. Rs.400 for Outstanding Amount greater than Rs.500 &
upto Rs.1000;
Rs.500 for Outstanding Amount greater than Rs.1000 &
upto Rs.10,000;
Rs.750 for Outstanding Amount greater than Rs.10,000
Overlimit
Emergency Card Replacement
Foreign Currency Transaction Not Applicable for Corporate Card
Annual Priority Pass Fee Complimentary
Priority Pass Lounge Charges Conversion mark up: Upto 3.5%
Upto Rs. 180 for Platinum and Complimentary for Signature
All Airport Lounge visits within India through the Priority Pass
Program 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
Annual Reward Fee with an usage fee of $27 per visit + applicable taxes.
Rewards Redemption Fee
Cash Payment fee Upto Rs 300
Surcharge Rs. 99
Railway Tickets -Railway Counters Upto Rs.100
Railway Tickets www.irctc.co.in
Petrol & all products /services sold at petrol Rs. 30 + 2.5% of transaction amount
Pupms 1.8% of transaction amount + service charge, as applicable
1% of transaction value. 1% surcharge waiver (excluding all
applicable taxes wherever applicable + other charges) for
single transaction spends between Rs.500 and Rs.4000 for
Signature & Platinum Cards.
Maximum surcharge waiver of Rs.250 per statement cycle per
Payment of Customs duty Corporate Card account for signature & platinum cards.
Order of Payment 2.25% of transaction amount (subject to a minimum of Rs. 75)
Total Amount Due (which is inclusive of applicable taxes),
followed by fees and other charges, Interest charges, retail
outstanding and cash advance.
*Any changes in schedule of charges will be communicated via email and will be available on our website
www.sbicard.com
** Fees and Cash Advance is not Applicable for Central Purchase Card and Utility Card. Interest Free Credit
Period for a Utility Card is for 15-32 days (applicable only on retail purchases and if previous month's
outstanding balance is paid in full)
*****Applicable taxes means: • For the cardholders having state of residence in the records of SBI Card
on the statement date as “Haryana” - Central Tax @ 9% and State Tax @ 9%
• For the cardholders having state of residence in the records of SBI Card on the statement date as
other than “Haryana” - Integrated Tax @ 18%
For product specific tariff and terms, kindly refer to tariff of charges for specific product
Order of payment settlement - Total Amount Due (which is inclusive Settlement of GST), followed by fees and
other charges, Interest charges, retail outstanding and cash advance. Government Service Tax, as
applicable,on all the above Fees, Interest & Charges.
#Card finance charge is dynamic and will be based on the cardholder's usage and payment patterns and is
subject to periodic review.
^For Reward Point redemption, your SBI Card must not be overdue, suspended, blocked, cancelled or
terminated by SBICPSL at the time of redemption request.
Important Points
"Payment of any amount lesser than the Total Amount Due in any month results in interest
accrual on the balance outstanding amount including any new purchases and cash advances.
To enjoy the benefit of interest free period, please pay the Total Amount Due (TAD) before the
Payment Due Date (PDD). Further, making only the minimum payment every month would result
in the repayment stretching over months/years with consequential compounded interest
payment on your outstanding balance."
SMA & NPA
•Special Mention Accounts (‘SMA’):
In furtherance to Regulatory requirements, SBI Card is required to identify incipient stress in the account by
creating a sub-asset category viz. ‘Special Mention Accounts (‘SMA’)" with the three sub-categories as
given in the table below.
Credit cards are treated as "Loans other than revolving facilities".

SMA Sub-categories Basis for classification [Principal or interest payment or any other amount
wholly or partly overdue]
SMA – 0 Upto 30 days from Payment Due Date (‘PDD’).
SMA – 1 More than 30 days &upto 60 days from PDD
SMA – 2 More than 60 days &upto 90 days from PDD

Example regarding classification of SMA:

If Payment Due Date (‘PDD’) of a Credit Card account is 31st March 2021, and ’Minimum Amount Due
(‘MAD’) is not received before this date then after the due date, the account will be mentioned as SMA-0.
If the account continues to remain overdue beyond 30 days from PDD i.e., beyond 30th April 2021 then this
account shall get tagged as SMA-1.
Similarly, if the account continues to remain overdue, beyond 60 days from PDD i.e., beyond 30th May
2021 then this account shall get tagged as SMA-2.
•Non-Performing Asset (‘NPA’):
A credit card account will be treated as non-performing asset (‘NPA’) if the Minimum Amount Due, as
mentioned in the statement, is not paid fully within ninety (90) days from the PDD mentioned in the
statement. Further, any account where a settlement or restructuring arrangement has been availed will be
classified as NPA. An account continues to be classified as NPA till the entire arrears of interest and
principal are paid. Settlement and restructured accounts do not qualify for an upgrade. Finally, if any
customer has even one credit card with SBICard tagged as NPA, all cards of the customer will be
classified as NPA.
Example regarding classification of an account as NPA:
If Payment Due Date (‘PDD’) of a Credit Card account is 31st March 2021, and Minimum Amount Due as
mentioned in the statement has not been fully paid by the customer within a period of 90 days from the
PDD i.e., till 29th June 2021, then the lender shall consider the credit card account as NPA.
As per recent RBI Guidelines, cheques should have no corrections on the payee name, amount either in
words or figures. Hence, we request you to take care at the time of issuing cheques against your SBI Card
dues in order to avoid any inconvenience / charges.
Incase of any transaction dispute please send a signed dispute form within 25 days from date of
transaction to chargeback@sbicard.com
No new statement will be sent, in case of credit balance and no new transaction on the account within 30
days of the last statement.
SBI Cards may not approve High Risk Transactions (e.g. Jewellery etc.) to prevent misuse or potential
fraud on your SBI Card.
SBI Card discloses information regarding your account to credit information bureaus / agencies on a
regular basis, as mandated by RBI.
In the event of non-payment of at least the Minimum Amount Due by the Payment Due Date, your card
account will be reported as ‘Default’ to credit information bureaus / agencies.
 Easier.Faster.Friendlier.

By Phone Call us at : 39 02 02 02 (prefix local STD code) or 1860 180 1290

By E-mail Write to us at:sbicorporate.services@sbicard.com for any query on your card account

By Web Log onto: www.sbicard.com and register to access all your account related information

Write to us at Manager, Corporate Customer Management Unit, DLF Infinity Towers,

By Letter
Tower C, 12th Floor, Block 2, Building 3, DLF Cyber City, Gurugram – 122002
(Haryana).
CUSTOMER GRIEVANCE REDRESSAL: All grievance escalations should be
marked to Head, Corporate Customer Management, DLF Infinity Towers, Tower C,
12th Floor, Block 2, Building 3, DLF Cyber City Gurugram – 122002 (Haryana)

Ways to make your SBI Card payment

NEFT (National Electronic Funds Transfer)

Pay SBI Card bill ONLINE from any bank

Our IFSC code is SBIN00CARDS

Bank name – SBI Credit Card – NEFT
Bank Address – Payment Systems Group, State Bank GITC, CBD Belapur, Navi Mumbai
Your payment will be credited in 1 working day.

PayNet
Click on PayNet at www.sbicard.com to make your payment online through netbanking or
your SBI ATM cum debit card. Your payment will be credited in 2 working days. For bank
details, please log onto www.sbicard.com

Online SBI
Simply log onto onlinesbi.com to pay your bills directly from your SBI Bank Account. Your
payment will be credited in 2 working days

For Commercial cards, the most preferred payment mode is RTGS/NEFT.

An illustration of the Finance Charge Calculation:
Finance Charges are payable at the monthly percentage rate on all transactions from the date of
transaction in the event of the Corporate or the Cardholder choosing not to pay his balance in full,
and on all cash advances taken by the Cardholder, till they are paid back.
If the Corporate or the cardholder makes partial or no payment of Total Amount Due(TAD) before
Payment Due Date (PDD); i.e. the Customer has outstanding balance from previous months and in
the current month, full payment of Total Amount Due is made before Payment Due Date then
Finance charges will be levied on the closing balance till the payment date.
Card Interest Rate is dynamic and will be based on the Cardholder's usage and payment patterns\
and is subject to periodic review. The rate of finance charges may increase to a maximum of 3.35%
per month [40.2% per annum] from the transaction date and is subject to change at the discretion of
SBICPSL. Finance charges, if payable, are subject to levy of applicable taxes and are debited to the
Cardholder's account till the outstanding on the card is paid in full.
a) Finance charges on cash advances (if applicable) are applicable from the date of transaction until
the payment is made in full
Example : Card Statement date -2nd of every month
Transactions done between 3rd Mar'17-2nd Apr'17are as follows:
1. Retail Purchase of INR. 5000 – On 10th Mar'17
2. Cash Withdrawal (if applicable) of INR.7000 – On 30th Mar'17
Assuming no previous balance carried forward from the 2nd Mar'17 statement, the cardholder will get his
2nd Apr'17 statement showing Rs. 12,000 of transactions along with 3 days of finance charges at the rate
applicable on the Rs. 7,000 cash withdrawal. The cardholder needs to make payment against the
outstanding by 22nd Apr'17, i.e. 20 days from the Statement date. Please note that all payments for a
cardholder's SBI Corporate Card account has to be settled in full (Total Amount Due) by payment due date.
The payment would be first cleared against taxes, followed by fees and other charges, Interest charges,
retail outstanding and Cash Balance (if any) last. In case of any previous balance being carried forward from
the previous statement, finance charges will be levied from the previous statement date (unless in the case
of non-interest levied outstanding retail balance where the finance charge is levied from the date of the
transaction).
b) In case the statement outstanding has no cash balance and has not been carried forward from a
previous statement and the retail balance outstanding on the statement date is paid in full by the
payment due date, No Finance Charges are levied on such balances.