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SBI Corporate Purchase Card
A vendor-payment and procurement card for companies, not a rewards-first product — the appeal is spend visibility and controls (per-cardholder limits, category blocks, consolidated reconciliation) rather than a cashback or points rate.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to self-employed applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 0.5% base rate
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- Multi-layer spend control and Visa Intellilink spend analytics
- Higher, centrally-managed credit limits for vendor and procurement payments
Pros
- + No joining or annual fee
- + Granular spend controls per employee/vendor
- + Detailed spend analytics for finance teams
Cons
- − Minimal rewards earn rate
- − Only issued to registered companies through SBI's corporate onboarding, not individuals