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PSU Banks launch Composite Salary Account Package for Central Government employees, Read Scheme Details
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The Department of Financial Services (DFS), Ministry of Finance, has launched a composite ‘Salary Account Package for Central Government Employees’. PSU banks are providing even financial assistance for the marriage of government employees’ daughters, and insurance cover of up to ₹2.5 crore is also being offered.
The Salary Account Package has been formally launched today, by Sh. M. Nagaraju, Secretary, Department of Financial Services, Ministry of Finance. The launch event was attended by Chairman SBI, MD & CEOs of all Nationalized Banks, CEO, NPCI through VC and all senior officers of DFS. This initiative is aligned with the Government’s vision of Viksit Bharat 2047 and the national commitment towards Insurance for All by 2047.
The product has three core segments – Banking, Insurance and Cards – making it a one-stop financial solution for employees. The key features of the Composite Salary Account Package are:
- Banking Facilities
- Zero-balance salary account with enhanced facilitates
- Free remittances i.e. RTGS/ NEFT/ UPI along with cheque facilities
- Concessional interest rate on loan for housing, education, vehicle and personal requirements.
- Concession in loan processing charges
- Waivers on locker rental
- Family banking benefits
- Enhanced Insurance Coverage
- Personal Accident Insurance up to Rs. 1.50 crore
- Air Accident Insurance up to Rs. 2 crores
- Permanent Total & Partial Disability Cover up to Rs. 1.50 crore
- Term Life Insurance – In-built term life insurance protection of up to Rs. 20 lakh, with additional top-up facility to enhance the insurance coverage at an affordable premium.
- Health Insurance – Comprehensive health insurance cover for self and family with a base plan and additional top-up facility to enhance the insurance coverage at an affordable premium.
- Digital & Card Features
- Enhanced benefits on debit and credit cards
- Airport lounge access, reward programs and cashback offer
- Unlimited transactions & Nil maintenance charges
Facilities offered to Central Govt Employees by SBI (Amount in Rs.Lakh)
Check Facilities Below👇
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| Salary Product Features | State Bank of India | |
| All other Cent. Govt. Employee | Royale (IAS, IPS & IFS) | |
| Personnal Accident Death Insurance | 100 | 130 |
| Air Accident Insurance | 160 | 190 |
| Permanent Total Disability | upto 100 | upto 130 |
| Permanent Partial Disability | upto 80 | upto 110 |
| ADD on Covers- Girls Child education/ marriage, Air/ Ambulnace chg, etc. | Child Edu.: 8/10 lk Girl marriage: 10 lk for 2 Air Ambulance : 10 lk, Plastic Surgery: 10 lakh, + 6 other covers | |
| Term Life Insurance – Bank Cost | 10 | 20 |
| Term Life Insurance – A/c holder Cost | Up to 100 Lac, Prem. based on age, from Rs. 245 to 925 per lk+ GST | |
| Wellness Program/ Benefits Annual Health Checkup | – | |
| – | ||
| Group Medical Insurance (cost by Bank/ A/c holder) | Base Plan: Cost by A/c Holder, for self and family, SBI GIC [ 1 to 2+2 ] Ins- Rs 2 to 5 lk., Prem. : 2k to 11 k Topup : SBI GIC [1 to 2+2] SBI Gen. Cover Rs 10/2 to 50/5 Prem.: Rs. 1521 to 5704 | |
| Top-Up Group Medical Insurance (cost by A/c holder) | ||
Facilities offered to Central Govt Employees by PNB (Amount in Rs.Lakh)
| Salary Product Features | Punjab National Bank | ||
| Group-C | Group-B | Group-A | |
| Personnal Accident Death Insurance | 100 | 120 | 150 |
| Air Accident Insurance | 200 | 240 | 300 |
| Permanent Total Disability | 100 | 120 | 150 |
| Permanent Partial Disability | upto 50 | upto 60 | upto 75 |
| ADD on Covers- Girls Child education/ marriage, Air/ Ambulnace chg, etc. | Child Edu. : Male 8 lakh, Girl-10 lakh 2 Girl Child Marriage – 5 lakh each Air Ambulance- upto 10 lakh Cost of plastic surgery- max 10 lakh 8 other misc. covers | ||
| Term Life Insurance – Bank Cost | 5 | 8 | 12 |
| Term Life Insurance – A/c holder Cost | Upto 100 lakh (PNB Met life) Upto Rs 25 lk : 5458 / yrs 25 lk to 100 lk : Rs 185/ lk +Gst | ||
| Wellness Program/ Benefits Annual Health Checkup | Free Annual Health Checkup Unlimited Tele Consultation PAI 4 Lac | ||
| Hospicash Rs.1000/Day Max. 30 K | Hospicash Rs.2000 / Day Max. 60 K | ||
| Group Medical Insurance (cost by Bank/ A/c holder) | Base plan: A/c holder cost Star health: upto 10 lk (2A+2C) Prem. Rs. 12 k to 42 k Bajaj All.: Rs 5 lakh (Ind./ 2A+2c) Prem.: 11 k to 17K Topup: A/c holder cost [Care health] SI/ Dec:- 1A – 2A – 2A+1C – 2A+2C 15/2 :- 1598 – 1742 – 1818 – 1978 30/3 :- 2012 – 2206 – 2311 – 2478 | ||
| Top-Up Group Medical Insurance (cost by A/c holder) | |||
Facilities offered to Central Govt Employees by Other Banks (Amount in Rs.Lakh)
| Salary Product Features | Bank of India | Bank of Maharashtra | Punjab National Bank | Bank of Baroda | Union Bank of India | UCO Bank | State Bank of India | Indian Bank | Canara Bank | Punjab & Sind Bank | Indian Overseas Bank | Central Bank of India | |||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Group-C | Group-B | Group-A | Group-C | Group-B | Group-A | Group-C | Group-B | Group-A | Group-C | Group-B | Group-A | Group-C | Group-B | Group-A | Group-C | Group-B | Group-A | All otder Cent. Govt. Employee | Royale (IAS, IPS & IFS) | Group-C | Group-B | Group-A | Group-C | Group-B | Group-A | Group-C | Group-B | Group-A | Group-C | Group-B | Group-A | Group-C | Group-B | Group-A | |
| Personal Accident Death Insurance | 100 | 200 | 200 | 100 / 125 / 150 | 100 | 120 | 150 | 100 | 120 | 150 | 75 | 100 | 100/150 | 100 / 120 / 150 | 100 | 130 | 75 / 120 / 150 | 100 / 120 / 150 | 100 | 100 | 120 | 100 / 120 / 125 | 100 / 120 / 150 | ||||||||||||
| Air Accident Insurance | 200 | 200 | 200 | 100 / 125 / 150 | 200 | 240 | 300 | 100 (additional) | 120 (additional) | 150 (additional) | 100 | 200 | 200 | 100 / 120 / 150 | 160 | 190 | 75 / 120 / 150 | 100 / 120 / 150 | 120 | 120 | 180 | 100 / 120 / 125 | 100 / 120 / 150 | ||||||||||||
| Permanent Total Disability | upto 100 | upto 200 | upto 200 | 100 / 125 / 150 | 100 | 120 | 150 | upto 100 | upto 120 | upto 150 | upto 75 | upto 100 | upto 100/150 | 100 / 120 / 150 | upto 100 | upto 130 | 75 / 120 / 150 | 100 / 120 / 150 | 100 | 100 | 120 | 100 / 120 / 125 | 100 / 120 / 150 | ||||||||||||
| Permanent Partial Disability | upto 50 | upto 100 | upto 100 | 50 / 62.5 / 75 | upto 50 | upto 60 | upto 75 | upto 75 | upto 90 | upto 112 | upto 75 | upto 100 | upto 75/150 | 80 / 110 / 150 | upto 80 | upto 110 | 37.5 / 60 / 75 | upto 100 / upto 100 / upto 120 | upto 80 / upto 80 / upto 100 | 50 | 60 | 75 | |||||||||||||
| ADD on Covers – Girls Child education/marriage, Air/Ambulance chg, etc. | Child Edu.- 10 Lakh upto 2 child, Girl Child marriage- 10 lakh, Air Ambulance- 10 lakh, Death after coma – 5 Lakh + 4 more Add. Covers | Girl marriage- upto10 lakh, Higher Edu.- upto 10 Lakh, Baggage Insurance – upto 1 lakh, Hospicash Rs. 500/1000 day, max 15dy, Golden hour cashless treatment upto 1 lk | Child Edu.: Male 8 lakh, Girl-10 lakh, 2 Girl Child Marriage – 5 lakh each, Air Ambulance- upto 10 lakh, Cost of plastic surgery- max 10 lakh, 8 other misc. covers | C/B/A: Girl Child marriage-10/12/15, Higher Education- 10/12/15, On duty cover – 25/30/37.5 | Child Edu.- 6 Lakh, Girl Child marriage- 1 lakh, Air Ambulance- 6 lakh, Repatriation of mortal- 0.20 lk, Cost of plastic surgery- 2 lk + 2 more | Girl marriage- 5 lakh for 2 child, Child Edu.- 5 lakh for 2 child, Death cover for spouse 3/5 lakh | Child Edu.: 8/10 lk, Girl marriage: 10 lk for 2, Air Ambulance: 10 lk, Plastic Surgery: 10 lakh, + 6 other covers | – | Girl Mar.- 10 (B)/15 (A), Higher Edu.-10 (B)/15(A), Air Amb.- upto 10 lakh, Rep. mortal- upto 5 lakh | 45.50 | 55.50 | 55.50 | Child Edu.: upto 24 Lakh (6 lk for boy, 12 lk for girl), max. 2 child, Ambulance- Rs 3000, Repatriation of mortal – Rs 15000, Anti Terrorist/naxal cover- 100 lakh | Child Edu.- 5 Lakh, Girl Child marriage- 5 lakh | Girl marriage- 10 lakh for 1 child, Child Edu.- 10 lakh for 1 child, Cost of Plastic Burn – 5 lakh, Death in Coma after Accident- 5lk, Ambu./Repatriation of mortal – 0.50 lk | ||||||||||||||||||||
| Term Life Insurance – Bank Cost | 10 | 15 | 15 | 10 | 12 | 16 | 5 | 8 | 12 | 10 | 12.5 | 15 | 10 | 20 | 20 | 8 | 10 | 10 | 10 | 20 | 5 | 10 | 10 | 10 | 15 | 20 | 5 | 8 | 11 | 6 | 8 | 10 | 5 | 10 | 15 |
| Term Life Insurance – A/c holder Cost | 100 lakh, Premium based on age, policy term and payment term (8 K to 36 K/Yr) (Star union Dai) | Upto 100 lakh (Pramerica life), Prem.: 7 k to 63 K, based on age & amount of cover | Upto 100 lakh (PNB Met life), Upto Rs 25 lk: 5458/yrs, 25 lk to 100 lk: Rs 185/lk +Gst | 100 lakh, prem. based on age & M/F, Prem.: Rs. 9 k to 81 k, (cover upto 80 yr age) [Max life] | Upto 30 Lakh [SUD LIC], Prem.: Rs. 148 to 802 per lakh | LIC: 25 lk or 100 lk, Prem based on age and period of cover, Rs 4 k to 145 k p.a.+gst | Up to 100 Lac, Prem. based on age, from Rs. 245 to 925 per lk+ GST | Up to 100 lakh, Prem. Rs. 335 per lk. For age 18 to 60 yrs. (Condition apply) {excl. Police/Def./Paramilitary} | Additional Cover Rs. 25 lakh @ 127 to 962 + gst per lakh, based on age | – | Rs. 100 Lakhs (LIC), Prem.: 23K to 114K, (Based on age, M/F) | Upto 200 Lakhs [Generali Cent. LIC] (Prem: 10 to 338K based on age/cover) payment 10 yrs, cover 30yrs | |||||||||||||||||||||||
| Wellness Program/Benefits – Annual Health Checkup | Annual Preventive Health Check up (Self) | Tele Consultations, Preventive Health Counselling with doctor | Tele Consultations, Eye Check-up Specialist Consultation, Preventive Health Check-Up Pharmacy Discounts, Members Covered- 2 Adult | Free Annual Health Checkup, Unlimited Tele Consultation, PAI 4 Lac | Online tele consultation from Practo for A/c holder and max. 6 family member | Hospicash 1000/Day upto 30 Day | Hospicash 3500/Day upto 30 Day | Aditya Birla bundle Wellness- Free, Eligible members – 2, valid – 1 yr., Consultation-2, Health checkup-1, OPD+Lab-1K, Culfit Gym-40 ses/yr, Diet consult.-12/yr., Pharmacy Dis. | – | Health Care Consultation facility for A/c holder and 4 family member, via digital platform | NA | Preventive Health Checkup per year, Unlimited teleconsultation cover, Unauthorized Digital Txn Cyber Cover- Rs. 25000 Annual, Daily Hospital cash – 2500 Per day [Max. 30 days per annum] | Online Telecommunication for A/c holder. Spouse & Two Children | – | |||||||||||||||||||||
| Hospicash Rs.1000/Day Max. 30 K | Hospicash Rs.2000/Day Max. 60 K | – | NA | Nil | – | ||||||||||||||||||||||||||||||
| Group Medical Insurance (cost by Bank/A/c holder) | Base Plan for self (Niva Bupa) Cover- Rs 2 lk., Prem.- Rs. 1999 + Gst, Topup from Bajaj allianz, 30/3 Lac @Rs. 2499 (2A+2C) (Multiple option in both plan) | (Manipal Cigna health Ins.) Base plan:(2A+2C) Cost by A/c holder, cover = Rs 5/10 lakh, Premium: Rs. 6481/10111 +GST + 1 option, Top up: 30/3 lakh cover, Premium: Rs. 2117+GST | Base plan: A/c holder cost Star health: upto 10 lk (2A+2C) Prem. Rs. 12 k to 42 k, Bajaj All.: Rs 5 lakh (Ind./2A+2c) Prem.: 11 k to 17K, Topup: A/c holder cost [Care health] SI/Dec:- 1A – 2A – 2A+1C – 2A+2C 15/2:- 1598 – 1742 – 1818 – 1978, 30/3:- 2012 – 2206 – 2311 – 2478 | Base Plan: Niva Bupa (2+2) Cover: upto 10 Lk, Prem: 6K to 54K (based on age & Cover) (More options), Topup: Niva Bupa (15/2 lk) Rs 1939, Star Health (25/2lk) Rs 1931, more options in plan | 1 lk cover (at bank cost) [Cover 2A+2C] | Base plan: Cost by A/c holder (Star health) (2A+2C), cover Rs 2 to 10 lk, Prem: 4k to 34 K, based on age & cover, Co Pay: 20% on heart/cancer claims, Above 60yrs- 10% of all claims, Top up: 10 to 25/2- Prem: 4207 to 5960, 10 to 25/3 Prem. 2734 to 3874, More options available | Base Plan: Cost by A/c Holder, for self and family, SBI GIC [1 to 2+2] Ins- Rs 2 to 5 lk., Prem.: 2k to 11 k, Topup: SBI GIC [1 to 2+2] SBI Gen. Cover Rs 10/2 to 50/5, Prem.: Rs. 1521 to 5704 | 2 Lk. (at bank cost) [Cover- A/c holder only] | Base plan: A/c holder cost [2+4] Bajaj Allianz – Rs. 2 lk to 25 lk, Prem based on age and amt of cover Rs. 5 k to 135 K (age upto 70 yrs), TATA AIG – upto 30 lk (2+2) prem 11k to 40 K, Top Up: Bajaj Alliaz (2+4) Cover: 3/2 to 50/20. Prem: 2k to 17K | Base Plan: A/c holder cost, Cover: 2 lk to 25 lk (1+1+3), Prem: 8K to 90K (based on age & cover), Top up: UIICO 30/3 to 50/5 (1 A to 2A+2C), Prem. Rs 3340 to 15467 + Gst | Base Plan: Multiple options, Niva Bupa: 2 Lakh – Rs 3K (1 only), SBI GIC – Cover 5 to 20 Lakh, Prem: 12 K to 64 K (2+2), Universal Sompo – Cover 5 to 15 lakh, Prem.- 8 K to 78 K (2+2), Prem.- 14 K to 132 K (2+2+2), Top Up: Niva Bupa- Cover 15/2, Prem. Rs 899 to 2299 (1A to 2A+2C) | Base Plan: Account holder Cost, Cover: Rs 2 to 10 Lakhs, Bajaj Allianz [members upto 2+2], Prem: 4 K to 31 K, NO Top up Plan | |||||||||||||||||||||||
| Top-Up Group Medical Insurance (cost by A/c holder) | 30/3 lac @ Rs 2117 + GST (2A+2C) [Manipal Cigna] | Top up cover A/c holder- 30/3 lakh, Options: 1A to 2A+2C, Premium: 1k to 2.5 k (Condition apply) | |||||||||||||||||||||||||||||||||
| Minimum Balance | Nil | Nil | Nil | Nil | Nil | Nil | Nil | Nil | Nil | Nil | Nil | Nil | |||||||||||||||||||||||
| Instant Overdraft | 2 month Gross Salary | 3 month Gross Salary | 6 month Gross Salary (Max.10 lk) | 5 times of net salary (Max. 5 lakh) | upto 2 time of avg. net monthly salary Max. 2 lakh, repayable in 23 months | 2 month N. salary, Max.1 lk. | last N. salary, Max 2 lk. | last N. salary, Max 3 lk. | 90% of 1 month N.sal. (max 50K) | 90% of 2 month N.sal. (max 2 lakh) | 90% of 2 month N.sal. (max 5 lakh) | 3 month net salary, Upto 2 Lakh | 3 month net salary, Upto 3 Lakh | – | upto 1 month salary | upto 3 lakh | upto 5 lakh | 2 Mon. N. Sal (max 1 lk) [N.Sal >50] | 3 Mon. N. Sal (max 1 lk) | 3 Mon. N. Sal (max 2 lk) | upto 4 time of Net Salary (Max 10 lakh) | Upto 2 month Net Salary | Upto 2 month Net Salary | upto 3 months net salary | 1 M. Gr Sal (Max. 70K) | 1 M. Gr Sal. (Max. 1.2 lk) | 1 M. Gr.Sal (Max. 2 lk) | ||||||||
| Sweep In-Out facility | > 1 Lakh multiple of 25K | > 100000 (Rs 10000) | > 150000 (Rs 10000) | > 200000 (Rs 10000) | Threshold limit 35 K in multiple of 1K (min Fd 10K) | Threshold limit 2.00 lakh in multiple of 10K | > 75000 (Rs 10000) | > 100000 (Rs 10000) | > 200000 (Rs 10000) | > 25000 in multiple of 10K | > 50000 in multiple of Rs 10000 | > Rs. 50,000 Min 15K, thereafter in multiple of 5K | Threshold limit 50 K in multiple of 10K | > Rs. 100000 in muliple of Rs 10000 | Threshold limit 25 K in multiple of 5K | Threshold limit 1.00 lakh in multiple of 10K | >1 lakh (10,000) | >1.50 lakh (10,000) | > 2 lakh (10,000) | ||||||||||||||||
| IMPS/RTGS/UPI/SMS Chg | Free | Waived | Free | Free | Free | Free (Online mode)/SMS free | Waived | Free | Free | Free | Free | Free | |||||||||||||||||||||||
| Free Demand Draft | Unlimited | Nil Charges | Available | Free | unlimited | Free | unlimited number of draft, if debited from salary A/c | Yes | Unlimited free [subj to max amt of avg. balance in account] | Free | Free | 5 per quarter, upto 2.00 lakh | |||||||||||||||||||||||
| Free Cheque Book | 25/Qtr. | 25/Qtr. | Unlimited | 100 p.a. | Available | Free | 60 p.a. | 100 p.a. | 50 p.a. | 25 leaves per month | Yes | 200 p.a. | 100 p.a. | Free | Unlimited free 1234 | ||||||||||||||||||||
| Concession in Locker Charges | 100% – 1st yr. for A/B | 75% 1st yr then 50% | 100% 1st yr then 75% | 50% 1st yr (S) | 100% 1st yr then 50% (S) | 100% 1st yr then 75% (S) | 40% | 50% | 60% | 25% for 5 yrs | 50 / 25% 1–3 / 4–5 yrs | 50 / 25% 100 / 50% | 100% 1st yr only (S) | 50%, if net salary > 50000 | 100% 1st yr then 10% | 100% 1st yr then 15% | 100% 1st yr then 25% | 50% 1st yr then 5% | 75% 1st yr then 10% | 100% 1st yr then 15% | 50% : Small / Medium (any one) | 40% | 50% | 60% | 25% (small locker) | ||||||||||
| Concession in HL / Car / Education / Personal Loan Processing & Documentation Charges | 100% No charges for legal & valuation | Processing – PL / HL / Car / OD – 100% Account handling – 50% | VL / HL / EL – 100% PL – 25% | VL / HL / EL – 100% PL – 50% | 50% | 100% | 100% | 100% | HL & Car – 100% (Processing fee) | HL – 100% PL – 50% Car – 50% or min ₹500 | 100% on HL / Car / PL | Processing – HL / VL / EL – 100% PL – 50% | HL: Processing, Legal, Valuation – 100% Car / PL – Processing 100% | 100% (excluding PL) | 100% (processing charges) | ||||||||||||||||||||
| Concession in ROI on HL / Car Loan | HL – 0.10%, Car – 0.25% EL – 0.25%, PL – 2.75% (Subject to minimum rate) | HL up to 0.90%, Car up to 0.40% PL up to 1.00%, Edu up to 0.50% | HL up to 0.05%, VL up to 0.10% Edu ROI 8.30% – 9.80% PL ROI 10.60% | HL / EL – 0.10% PL – 0.50%, Car – 0.30% | HL / Car / PL – up to 0.10% / 0.15% Edu – up to 0.40% / 0.50% Extra 0.10% for women employees | HL & Car – 0.15% PL – 1.00% | HL – 0.10% PL ≤ 1L – 1.00% PL > 1L – 2.50% | HL / Edu / PL – 0.10% Car – at card rate | HL / VL – 0.05% for women EL – 0.50% for girl students Legal & valuation free on takeover | HL & Car – up to 0.30% Edu – up to 1.55% | Case to case basis | HL – 0 / 0.05 / 0.10% Car – 0.05 / 0.10 / 0.15% Edu – 0.25 / 0.50% PL – 1.00 / 1.25 / 1.50% | |||||||||||||||||||||||
| Concession in Demat AMC | Free without AMC | AMC waived off | 100% waived | 1st year AMC free | No AMC 1st year (Net salary > 1.80L) | Free opening + 50% AMC (1st year) | 1st year free, 50% from 2nd year | NA | – | – | – | – | |||||||||||||||||||||||
| Family Banking Benefit | Unlimited free cheque book & SMS waiver | Zero balance A/c Free debit card (1st year) | Zero balance A/c (4 members) PAI ₹5 lakh | Zero balance spouse + 4 members Lifetime free RuPay card | Zero balance spouse + 4 members PAI ₹2 lakh | Zero balance spouse + 2 children | 4 family A/cs PAI ₹5 lakh Free RTGS / DD | Zero balance spouse + minor child | Zero balance spouse + 1 / 2 children | – | Yes | – | |||||||||||||||||||||||
| Wavier in Debit Card AMC | Free | Nil | Free | Free | Free | Free | Free | Free | Waived | Rupay Platinum – Nil Rupay Select – Nil for salary above 1 Lakh | Free | Free | |||||||||||||||||||||||
| Free ATM TXN (in a month) | Own – Unlimited Other – 5 / month | Own – Free Other – 3 or 5 / month (Non-Metro / Metro) | Free at own and other banks ATM | 3 / 5 (Metro / Non-Metro) | Unlimited Free | Own – Unlimited Other – 3 / month | Own – Unlimited Other – 10 / month | Own – Unlimited Other – 5 / 3 (Non-Metro / Metro) | Own – Unlimited Other – 5 / 3 (Non-Metro / Metro) | 3 / 5 (Metro / Non-Metro) | Unlimited Free | Own – Unlimited Other – 5 / month | |||||||||||||||||||||||
| Debit Card Variant | Rupay Platinum | Rupay Select | Rupay Select | Rupay Select | Rupay Select Excel | Rupay Select Optima | Rupay Select Imperial | Rupay Platinum | Rupay Select | Rupay Select | Rupay Select | Rupay Select | Rupay Select / Elite Metal | Rupay Select | Net Salary < 1 Lakh – Rupay Platinum Net Salary > 1 Lakh – Rupay Select | Rupay Select | Rupay Platinum | Rupay Select | Either Rupay Platinum / Select | Rupay Platinum | Rupay Select | Rupay Platinum | Rupay Select | ||||||||||||
| Airport Lounge Access on ATM | Domestic – 1 / year International – 1 / year | Domestic – 1 / quarter International – 2 / year | Domestic – 2 / quarter International – 2 / year Subject to NPCI guidelines | Domestic – 1 / half-year International – 1 / half-year | Domestic – 1 / quarter International – 1 / quarter | Domestic – 2 / quarter International – 1 / quarter | Domestic – 1 / year | Domestic – 1 / quarter International – 2 / year | Domestic – 1 / quarter International – 2 / year | Domestic – 1 / quarter International – 2 / year Metal (Net Salary > 1.80 L) – 4 / 4 | Domestic – 1 / quarter International – 2 / year | Platinum (Salary < 50k): 1 / quarter Platinum (50k–1L): 2 / quarter Select: 3 / quarter & 3 / year | Domestic – 1 / quarter International – 2 / year | Domestic – 1 / year International – 1 / year | Domestic – 1 / quarter International – 2 / year | Platinum – 1 / quarter & 1 / year Select – 1 / quarter & 2 / year | Domestic – 1 / quarter International – 1 / year | Domestic – 2 / quarter International – 2 / year | Domestic – 1 / quarter International – 2 / year (Minimum spend 5k) | Domestic – 1 / quarter International – 3 / year | |||||||||||||||
| Other Benefit on ATM | PAI 2 Lakh | Gym / Spa / Golf / Health Checkup / PAI-10 Lakh / OTT | PAI-10 Lakh / Health Checkup / Gym / Golf / SPA / OTT / Merchant Offers *Subject to prevailing NPCI guidelines | PAI: 10 Lakh, 10-12 vouchers – Gym / SPA / Blinkit / Pharmacy etc. | PAI-2 Lakh | PAI 10 Lakh / Fitness / OTT / SPA / Golf | Health Checkup / Gym / OTT / SPA / Baggage Loss / Golf Metal – additional vouchers | PAI up to 10 Lakh, Health Checkup, OTT, Gym, SPA, Golf | PAI, AAI, Purchase Protection Vouchers, OTT Select – SPA / Gym / Golf / Health Checkup | PAI-10, Health Checkup, OTT, Gym, Golf, SPA (as per NPCI guidelines) | PAI 2 Lakh Baggage Insurance Rewards | Gym / Spa / Golf / Health Checkup / PAI-2 Lakh / OTT | Platinum – as per NPCI Select – PAI / OTT | As per card network provider | Gym / Spa / Golf / OTT / Health Checkup / Offers | PAI / Merchant Offers | Health Checkup / Gym / OTT / SPA / Baggage Loss / Golf / Pharmacy / Merchant Offers | ||||||||||||||||||
| Credit Card Variant | Bharat Platinum | Select | Select | BoM–SBI Co-Branded Cards Simply / Prime / Elite | Rupay Platinum | Rupay Select | Rupay Easy | Rupay Premier | Rupay Eterna | Rupay Platinum / Divaa | Unicorn / Divaa (Women) Gross Salary > 5 LPA | SBI Simply Save / Prime / Elite | 3 Variants Simply / Prime / Elite | AURUM | Visa Platinum | Visa Platinum / Rupay Select | All variants issued free of cost | SBI Credit Card Simply / Prime / Elite | Rupay Platinum | Rupay Select | Bank does not have credit card facility. No tie-up credit card at present. | ||||||||||||||
| Credit Card Facility Charges | Waived | Chargeable p.a. Waived / 2999 / 4999 + taxes | Nil | Nil | Waived | Platinum – As per charges Divaa – Waived if spend > 30K Unicorn – Waived if spend > 3L AMC waived if Net Salary > 1.8L | 499 / 2999 / 4999 + taxes | 499 – 4999 + GST (Waived on spend 50K–5L) | 9999 + GST (Waived on spend 6L) | AMC – Rs 250 | 25% AMC waiver | 50% AMC waiver | 100% AMC waiver | Rs 499 (Simply) / 1499 (Prime) / 4999 (Elite) | 25% waiver | 100% waiver | |||||||||||||||||||
| Airport Lounge Access (Per Quarter) | Domestic 4 / yr International 2 / yr | Domestic 2 / qtr International 2 / qtr | Domestic 2 / qtr International 2 / qtr | Domestic 0 / 8 / 8 / yr International 0 / 4 / 6 / yr | Domestic 1 / qtr International 1 / yr | Domestic 2 / qtr International 2 / yr | – | Domestic 1 / qtr (>20K spend) | Unlimited Domestic (>40K spend) | Platinum – Nil Divaa / Unicorn – Domestic 2 / qtr & International 2 / yr | Domestic 0 / 8 / 8 / yr International 0 / 4 / 6 / yr | Net Salary > 50K Domestic 2 / qtr International 4 / yr | Domestic 4 / qtr Unlimited International | Domestic 2 / qtr International 2 / yr | Domestic 2 / qtr International 2 / yr | Domestic 2 / qtr International 2 / yr | Domestic 2 / qtr International 2 / yr | Domestic 2 / qtr (Prime & Elite) International 4 (Prime) / 6 (Elite) / yr | Domestic 1 / qtr International 1 / yr | Domestic 2 / qtr International 2 / yr | |||||||||||||||
| Other Benefits on card | PAI 2-10 Lac / Health chekup/ Vouchers- Grocery/online platform/ rewards etc | Welcome gift vouchers, priority pass, reward points, movie tickets etc | Health chekup/ OTT/ PAI /s | PAI 10 lk / Air Acident* 100 lk/ Rewards/ movie/ travel/ fuel surcharge wavier 1% | PAI-10 Lakh, reward point, OTT, SPA, vouchers, 1% wavier of surcharge on fuel | Welcome gift vouchers, priority pass, reward points, movie tickets etc | Gift vouchers / Rewards | AAI- 3.5 Cr./Spa/ Golf/ Fraud Cover / Movie/ rewards | As per NPCI guidelines | AAI- 8 lk self/ 4 lk spouse PAI – 4 lk self/ 2 lk spouse Baggage ins upto 25K | Club Vistara sliver/ Movie tkt/ reward points/ membership | Fue surcharge wavier, loyalti points, merchant offers | |||||||||||||||||||||||
| Other | Cyber Fraud Insurance MB / IB / UPI – 10 lakh Aadhaar EPS – 0.50 lakh | Pensioner A/c PAI up to 60 Lakh, Term Life up to 8 Lakh, Wellness program, many more benefits | – | – | Relationship Manager for Group A, Priority Desk at call centre for Group A & B Employees | UCO Rewards Loyalty Program | – | – | – | – | – | – | |||||||||||||||||||||||
| Details of the Product | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | |||||||||||||||||||||||
| Link to Bank’s Website | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | Click Here | |||||||||||||||||||||||
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