एसबीआई कॉर्पोरेट कार्ड
जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)
Enterprise commercial credit card providing expense management, ERP integration, corporate liability waiver insurance, and detailed GST invoicing.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
SBI Corporate Card is an enterprise-grade commercial credit card solution designed for registered companies, multinational corporations, and institutions. It enables financial controllers to streamline employee business travel, entertainment, and procurement while consolidating GST billing and automating expense reconciliation.
Dedicated corporate onboarding, automated expense reporting portal, and seamless ERP integration (SAP, Oracle).
Complimentary domestic and international airport lounge access variants available (typically 2 visits/quarter on Executive/Signature tiers).
1% fuel surcharge waiver for commercial fleet and employee business travel transactions.
Volume-based enterprise rebates and comprehensive GST input tax credit (ITC) reconciliation reports.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Registered corporate entities (Pvt Ltd, Public Ltd, Government Undertakings) with minimum annual turnover of ₹10 Crores and audited financials.
न्यूनतम वार्षिक आय आवश्यकता
Enterprise eligibility based on company audited turnover (₹10+ Crores)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card of Corporate Entity and Authorized Signatories (Mandatory statutory requirement) 2. Aadhaar Card (Address proof of Authorized Signatories and Employee Cardholders) 3. Certificate of Incorporation & Memorandum of Association (MoA) 4. Audited Balance Sheets and P&L statements for last 3 financial years 5. Board Resolution authorizing corporate credit facility 6. Passport-size photographs of authorized executives
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Not available to individual retail applicants; requires corporate entity sponsorship and master agreement signing. Employee liability depends on corporate setup (Sole Corporate Liability vs Joint Liability).
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sbicard.com/business or contact designated SBI Corporate Accounts Group manager. Step 2: Check enterprise credit eligibility based on audited company balance sheets. Step 3: Complete corporate application and Master Corporate Card Agreement (takes 5–10 minutes). Step 4: Upload corporate documentation (Certificate of Incorporation, Board Resolution, GST returns). Step 5: Digital verification of authorized signatories and employee cardholder KYC. Step 6: Corporate cards dispatched within 5–7 working days; activate via corporate portal or SMS.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on SBI Corporate Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Tiered enterprise late payment charges as per master commercial agreement.. In addition, revolving finance charges at Preferential enterprise rates: up to 3.35% per month (40.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on SBI Corporate Card into EMI?
Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on SBI Corporate Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. Points redeemable by company for business travel, hotel bookings, or corporate statement credit. Please note: Corporate points validity governed by enterprise agreement.
What is the interest-free grace period on SBI Corporate Card and how does it work?
The interest-free period on SBI Corporate Card is Up to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Preferential enterprise rates: up to 3.35% per month (40.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.