Oriental Bank Credit Card Application and Benefits Explained

Applying for an Oriental Bank credit card is a straightforward process that can be completed online or through a branch.

To be eligible, applicants typically need to be at least 18 years old and have a stable source of income.

You can apply for an Oriental Bank credit card online by visiting their official website and filling out the application form.

The bank requires a minimum income of Tk. 25,000 per month for salaried individuals and Tk. 50,000 per month for self-employed individuals.

Once your application is approved, you'll receive your credit card within 7-10 working days.

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To be eligible for an Oriental Bank of Commerce credit card, you must be between 21 and 60 years old. This age range ensures that you have a steady source of income to pay off your credit card bill.

Your income should be a minimum of INR 18,000 per month, which is a proof to the bank that you can afford to pay your credit card bill. This income requirement may vary for different cards based on their features and specifications.

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You can be either a salaried employee or self-employed individual to apply for an Oriental Bank of Commerce credit card. This flexibility allows you to choose the type of employment that suits you best.

To apply for an Oriental Bank of Commerce credit card, you should have a good credit history. A credit score above 750 is highly preferred by the lender for offering a credit card.

You can also get an Oriental Bank of Commerce credit card against a fixed deposit. This option allows you to use your fixed deposit as collateral to get a credit card.

Here are the key eligibility criteria for Oriental Bank of Commerce credit card:

The applicant should also be a resident of India or Non-Resident Indian to apply for an Oriental Bank of Commerce credit card. This nationality criterion ensures that you have a stable address and a steady source of income.

To apply for an Oriental Bank of Commerce credit card, you can use the digital platform provided by MyMoneyMantra.

You can log in to the MyMoneyMantra website and select the credit card page to compare the details of various credit cards and choose the one that gives you the best deal.

The required details to provide include name, mobile number, email address, income details, and residential address.

An OTP will be generated and sent to your registered mobile number for verification.

You can also visit the Oriental Bank of Commerce official website and enter your personal and contact details to apply for a credit card.

After verification, a representative from the bank will contact you to guide you through the process.

You may have to submit KYC documents and income proof to get an Oriental Bank of Commerce credit card.

To apply for an Oriental Bank of Commerce credit card, you can also visit the nearby Oriental Bank of Commerce branch.

The documents required for application include:

You can expect the credit card to be dispatched to your registered residential address once it's approved.

To apply for an Oriental Bank of Commerce credit card, you'll need to provide some essential documents. The required documents include address proof, such as a passport, driving licence, or voters ID, and identity proof, which can be a bank statement, voter ID, driving licence, or pension book.

Here's a list of the specific documents needed:

Additionally, you'll need to provide income proof, such as a bank statement, pay slip, or income tax return, to show that you have a steady income.

To apply for an Oriental Bank of Commerce credit card, you must meet the eligibility criteria. The age requirement is between 21 to 60 years old.

Income plays a crucial role in getting approved for a credit card. You must have a minimum income of INR 18,000 per month.

Having a stable income is a mandatory criterion for getting an Oriental Bank of Commerce credit card. Salaried or self-employed individuals are eligible to apply.

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The credit score of the applicant should be above 750. This is a crucial factor in getting approved for a credit card.

Here's a summary of the eligibility factors for an Oriental Bank of Commerce credit card:

To apply for an Oriental Bank of Commerce Credit Card, you'll need to gather some essential documents. The bank accepts various documents as proof of identity and address.

Identity proof can be a Bank Statement, Voter ID, Driving Licence, or Pension Book, among others. You may also need to provide a Pan Card.

Address proof can be an Aadhar Card, Voter's ID Card, Driving Licence, or Utility Bills. These documents should be submitted as part of the credit application.

Income proof is also required, which can be the latest salary slips along with Form 16 for salaried individuals, or financial statements for self-employed individuals. You may also need to submit a Bank account statement for the last 6 months.

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Here is a summary of the documents required:

The Oriental Bank of Commerce credit cards offer a range of options to suit different needs and lifestyles. You can choose from various categories such as shopping, cashback, rewards, travel, and lifestyle cards.

The bank provides exclusive rewards, offers, and discounts on online and offline shopping with its Shopping Card. This card is perfect for those who love to shop and want to save money on their purchases.

The Cashback Card helps in saving money on every purchase through cashback points. This card is ideal for those who want to earn rewards on their daily expenses.

Oriental Bank of Commerce also offers a Rewards Card that accumulates reward points to get various gifts of your choice. This card is suitable for those who want to earn rewards and redeem them for exciting gifts.

If you're a frequent traveler, the Travel Card is the way to go. It offers lounge access at airports and discounts on ticket and hotel bookings.

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You can also opt for the Lifestyle Card, which provides discounts, offers, and rewards on basic utilities. This card is perfect for those who want to save money on their daily essentials.

Oriental Bank of Commerce credit cards have two variants: the SBI Gold Card and the SBI Platinum Card. Both cards come in unsecured and secured versions.

Here's a list of the types of Oriental Bank of Commerce credit cards:

The fees and charges associated with Oriental Bank credit cards can be a bit overwhelming, but don't worry, I've got the lowdown.

The annual membership fee varies depending on the card scheme and can range from INR 499 to INR 2999. This fee is non-refundable and will be charged annually.

To give you a better idea, here's a breakdown of the late payment charges:

You'll also be charged a cash advance fee of 2.5% of the amount withdrawn or INR 300, whichever is higher. This fee will be added to your next monthly bill.

If you're planning to use your credit card to withdraw cash, be aware that ATM transactions don't get an interest-free period like other purchases.

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You can pay your Oriental Bank of Commerce credit card bills using various methods.

Auto-debit is an option for customers, allowing them to pay their credit card dues on the due date from their savings bank or current account.

Internet banking is available for customers to make credit card payments by logging in with their user ID and password.

The mobile App of Oriental Bank of Commerce can be used to pay credit card bills, either by IMPS, NEFT, or transferring from an account.

If you need to pay from another bank account, NEFT/RTGS is a suitable option, with the beneficiary account being the 16-digit credit card number.

Payment can also be made through a cheque drawn on Oriental Bank of Commerce or any other bank, with the payee's name being the 16-digit credit card number.

The name of the cardholder and the registered mobile number must be mentioned on the reverse of the cheque.

You can also pay your OBC Credit Card bill using the secure OBC Mobile App or through OBC Internet Banking.

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The Oriental Bank Credit Card offers a wide range of benefits and features that make it a great choice for customers. The card is widely accepted worldwide in over 24 million member establishments, including many in India.

You can earn plenty of reward points for every purchase made on the card, which can be redeemed for attractive gifts or vouchers from partner brands. The rewards program is a great way to get something back for your spending.

One of the standout features of the card is the Flexi-pay option, which allows you to convert purchases over ₹2,500 into EMIs and pay in easy instalments. This can be done within 30 days of the purchase through the SBI website.

The card also offers a utility bills payment facility, making it easy to pay your bills on time. You can link your various bills to the card and the payment will be taken care of on the due date.

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Here are some of the key benefits and features of the Oriental Bank Credit Card:

You can also use the card to book railway tickets online, withdraw cash at over 1 million ATMs worldwide, and get a cash advance up to the cash limit on your card.

You can get in touch with Oriental Bank of Commerce credit card customer care 24X7 by contacting their toll-free numbers. You can call 1800-180-1235 or 1800-102-1235 from your mobile and landlines in India.

These numbers are available to help with any queries you may have about your Oriental Bank of Commerce credit card. You can reach out to them at any time, day or night.

You can also write to Oriental Bank of Commerce zonal offices with your queries related to credit cards.

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The Oriental Bank credit card offers a range of benefits, including zero foreign transaction fees.

You can earn rewards points on all your purchases, with 1% points earned on every dollar spent.

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The credit card has a competitive interest rate of 14.99% APR, which is lower than many other credit cards on the market.

You'll also get a 25-day grace period, which means you won't be charged interest on purchases if you pay your balance in full within 25 days of the statement closing date.

The credit card has a minimum payment requirement of 2% of the outstanding balance or $25, whichever is greater.

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You can pay your Oriental Bank of Commerce credit card bills using various methods.

Auto-debit is an option for customers to pay their credit card dues on the due date from their savings bank/current account.

To make a payment through internet banking, you'll need to log in to the net banking facility with your user ID and password.

The mobile App of Oriental Bank of Commerce allows you to make credit card payments using IMPS, NEFT, or transferring funds from your account.

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For payments from other bank accounts, NEFT/RTGS is the best option, where the beneficiary account is your 16-digit credit card number.

You can also pay by cheque, but make sure it's drawn on Oriental Bank of Commerce or any other bank, and the payee's name should be your 16-digit credit card number.

The name of the cardholder and the registered mobile number should be mentioned on the reverse of the cheque.

You can also use the OBC Internet Banking and secure OBC Mobile App to pay your credit card bills online.

Additionally, you can make payments using other credit card bill pay platforms or by visiting the bank and writing a written statement to make automatic payments from your bank account on a monthly basis.

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Oriental Bank of Commerce offers exciting interest rates and offers on their credit cards. You can check the latest offers by using OBC Internet Banking.

OBC has different types of credit cards, each offering unique benefits to customers. This means you can choose a credit card that suits your needs.

To get more offers on online shopping, you can use the OBC Mobile Application. It's a convenient way to stay up-to-date with the latest deals and discounts.

Here are some of the benefits of having an OBC credit card: