Visa Credit Platinum

Visa Credit Platinum

SBI LY HOUR Bank’s Visa Credit Platinum Card, a high-end credit card, will offer a wide range of experiences and benefits designed with perfection only for customers who focus on VIP services which included of highest security, privacy, and exclusive access to airports, hotels, restaurants and more around the world.

Benefits

  • There are notifications at all times of the transaction.
  • Payment can be made on any POS machine.
  • Get 1% cash back on all expenses.
  • Purchase transaction up to $300,000.
  • Cash withdraw up to $40,000.
  • Get travel insurance up to $1,000,000
  • Quickly and securely for online payment.
  • Accessible to Over 1300 Airport Lounges Worldwide for Gold and Platinum Member.

Fees & Charges

No Fee Charge Frequency Amount (USD)
1 Annual Fee – Principal Annually $250
2 Annual Fee - Supplementary Annually $100
3 Damage Card Fee (Lost / Stolen) Per Time Free of Charge
4 PIN (Set from Mobile App) Per Card Free of Charge
5 Balance Inquiry Fee with Other Banks Per Time $០.5
6 Cash Withdrawal Trn limit Per Day $40,000
7 Cash Trn Limit – On us

Per Txn or 40 pcs

 $4,000
8 Cash Withdrawal Transaction Limit our Branch Counter Per Day Subject to Available Limit
9 Purchase Trn Limit Per Day $300,000
10 Number of Purchase Trn Limit Per Day 20
11 Number of Cash Withdrawal Per Day 10
12 Credit Limit Per Card >=$1០.០០០
13 Cash Limit Per Card 80% of Credit Limit
14 Interest Charge – Retail Purchase / Service Monthly 1.5%
15 Interest Charge – Cash Advance Monthly 2%
16 Minimum Payment Monthly 10% of Purchase, Cash Advance, Fee and 100% of Interest Charges
17 Missed due Payment Charge Per Time 5% Minimum $5
18 Cash Withdrawal / Cash Advance – On Us - Fee Charge Per Transaction 2% Minimum $5
19 Cash Withdrawal / Cash Advance – Off Us – Fee Charge Per Transaction 2% Minimum $5
20 Foreign Currency Fee When Purchase Cash Withdrawal in Non-USD Per Transaction 3%
21 Card Expiry Per Card 5 Years
22 SMS, Email in - App Notification Per Time Free of Charge
23 Billing Statement Per Time 20th of Month
24 Billing Due Per Time 5th of Month
25 Type of Service Supported – Retail / Online Purchase / Cash
26 Payment Method – Over the Counter (OTC) Cash / Cheque Direct Debit from CASA SBI LY HOUR

Mobile App
27 Cardholder Cashback Reward (Subject to Promotion Scheme) – 1%
28 Verified by VISA – All Ecommerce Transactions are Protected and Verified by VISA
29 Airport Lounge – Accessible to Over 1300 Airport Lounges Worldwide
30 Travel Insurance – up to $1 Million

How to Apply Card

How to Apply Card
Please visit our branches nearest to you and our team will warmly welcome and help you to apply the card or contact
Contact us for more information via our 24/7:

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FAQ

Q1: How are my online purchases secured with Visa?

A: Visa has developed a program that helps confirm your identity when you make an online purchase. There’s no need to download anything, install software, or register your account. During an online purchase from your desktop, mobile or other digital device, you may be guided through an extra check to verify your identity. This helps us ensure you’re you and better protects you from fraud. This is one way SBI LY HOUR Bank and Visa have teamed up to secure your accounts.

Q2: What is the benefit for consumers?

A: Through this program, you have an added layer of protection that prevents the unauthorized use of your Visa card while shopping online. This service helps us know you’re really you and most importantly it protects you from fraud.

Q3: Is my personal information safe and secure?

A: Yes. Your information is transmitted using a high level of encryption and is stored on a secure server.

Q4: Does this Visa service cost me anything?

A: No. There are no costs associated with this service.

Q5: How will I know if my online purchase has this added layer of protection?

A: This service will automatically work at checkout at any of Visa's participating online merchants. Remember, there’s no need to download anything, install software, or register for an account to get this added layer of protection. When using this service, you may occasionally be prompted at checkout to verify your identity, but this is to ensure you’re you and protect you from fraud. Lastly, if you see the following Visa Secure badge on participating online merchants’ websites this also indicates the use of this service.

Q6: Can I still use my SBI LY HOUR Visa card at online merchants that are not participating in this program?

A: Yes, your SBI LY HOUR Visa card will continue to work as usual if the merchant is not participating in this program. our transaction will still be protected by multiple layers of security and zero liability for fraudulent purchases.

Q7: Can I use both credit and debit cards?

A: Yes! This service was designed for both Visa credit and debit cards when shopping online. When you use your Visa debit card, your online transaction experience will be similar to a credit transaction.

Q8: What happens when I finish shopping?

A: Yes! This service was designed for both Visa credit and debit cards when shopping online. When you use your Visa debit card, your online transaction experience will be similar to a credit transaction.

Q9: If I do encounter this extra verification step, what will the extra check be?

A: SBI LY HOUR Visa has a number of tools that can help verify your identity such as one-time passcode or biometrics. If you encounter this extra step, simply follow the instructions on your screen to verify your identity.

Q10: I see the Visa logo when I’m going through the extra check. What’s this about?

A: If you do encounter this extra verification step, Visa helps transmit the information being shared between the merchant and us. The Visa logo is there to give you peace of mind that the transmission is secure.