Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    SBI Corporate Utility Credit Card

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    SBI Corporate Utility Credit Card

    The SBI Corporate Utility Credit Card is a blessing in disguise for all companies looking for simple and hassle free ways to pay their utility bills. Easy to use along with plenty of benefits, this card allows corporates to manage their spends and also their savings. Security and transparency is given utmost priority and customers can also benefit from a variety of other convenient and advantageous features. In short, this is a must-have card for all companies.

    Benefits of the SBI Corporate Utility Credit Card:

    Spend Analysis:

    Thanks to the facility of VISA Intellilink Spend Management, controlling the amount of spends and managing finances better is a lot easier.

    Smarter Expense Management:

    This facility allows companies to keep track of all the expenditures from service providers and thereby exercise greater control over all costs. Apart from this corporates can also negotiate improves rates with those that provide services such as landline, telecom and insurance among others.

    Faster Data Processing:

    SBI Corporate Utility Credit Cardholders can now monitor the everyday expenses and spends and cardholder transactions world over.

    Flexible Reporting:

    Corporates using the SBI Corporate Utility Credit Card have access to an interface and dashboard that is simple and easy to use along with 24/7 information availability and also immediate access to expense management.

    Spend Category Control (SCC):

    Except for those pertaining to Utility Merchants and providers, all other merchant category codes are blocked on the SBI Corporate Utility Card. Because of this, there is enhanced security which in turn reduces the risk of fraud and also provides more control.

    EMV Cards:

    Due to the fact that SBI Corporate Utility Credit Cards are EMV cards, better security is assured, providing protection against skimming and counterfeiting.

    24/7 Services:

    Relationship Managers and the dedicated service desk team provides assistance and provide support to any needs from the organisation at any given time.

    World-wide Acceptance:

    The SBI Corporate Utility Credit Card can be used anywhere within the country for all utility merchants and is an international utility card.

    E-statements:

    Corporates using the SBI Corporate Utility Credit Card can now receive their monthly statements via e-mail every month. The Corporate will receive two statements every month.

    Consolidated Payment Option:

    Corporates are allowed to make a single consolidated payment for all its employees in order to manage the Utility bills of the Corporate better. Apart from this Corporates will be required to pay twice prior to the due date mentioned in the two e-statements that are sent each month.

    Features of the SBI Corporate Utility Credit Card:

    SBI Corporate Utility Credit Card utilizes the Visa Bill Pay - Corporate facility which is an online solution enabled for all corporates to pay their monthly utility bills. It can be accessed by logging on to the official website anytime and anywhere so as to make payments. There are many benefits to the Visa Bill Pay - Corporate:

    • This platform provides complete flexibility and also an easy way to make payments.
    • There is a better control and also is a more convenient outlet.
    • The Visa Bill Pay - Corporate Facility is available online at all times.
    • Transparency is guaranteed along with compliance
    • Security is given utmost priority and making payments through the Visa Bill Pay - Corporate is completely safe and secure

    Documentation and Eligibility required for the SBI Corporate Utility Credit Card:

    Documentation Required:
    • PAN card
    • ID proofs such as:
      • Passport
      • Driving License
      • UID Aadhaar Number
      • Voter’s ID

    Fees and Charges for the SBI Corporate Utility Credit Card:

    Joining Fee Nil
    Annual Fee Nil
    Extended credit - Interest Free Period A period of 15 to 32 days and this is applicable only on retail related shopping, if the outstanding balance amount from the previous month is paid completely
    Extended credit - Finance Charges (only for a consolidated statement) A maximum of 3.35% per month or 40.2% per annum calculated from the date of transaction.
    Total Amount Payable For consolidated statement it is the total outstanding amount due.
    Extended credit - Minimum Amount Due It is the total amount that is due
    Invalid Cheque or Cheque Bounce 2 % of the cheque amount or a minimum of Rs. 350 and Invalid Cheque a maximum of Rs. 500
    Chargeslip Request For each chargeslip, Rs. 225 is charged
    Overlimit A minimum of Rs. 500 or 2.5% of the overlimit amount
    Foreign Currency Transaction Conversation markup : 3.5%
    Replacing the card Complementary
    Order of Payment The first is the total amount that is due and this includes settlement of GST. This is then followed by fees and other charges followed by interest charges, retail outstanding and finally cash advance.

    SBI Corporate Utility Credit Card FAQs:

    1. Is there a joining fee charged while procuring the SBI Corporate Utility Credit Card?

      No, there is no joining fee charged while procuring an SBI Corporate Utility Credit Card

    2. How many e-statements do corporates receive for the SBI Corporate Utility Credit Card?

      Corporates receive 2 e-statements for their SBI Corporate Utility Credit Card. These include -

      • Corporate Utility Card Consolidated Statement which is generated on the 2nd of each month. This statement includes all details related to all the card account for the corporate.
      • Corporate Utility Card Interim Statement is generated on the 13th of each month. This statement provides details of the debit transactions of all the card account for the corporate and this is for a period of 3rd to 13th of that particular month.
    3. Is there any fee charged on late payment?

      Yes, fee is charged based on the total amount that is due. Further details are given in the table below.

      Total Amount Due Fee Charged
      < Rs. 200 Nil
      Rs. 201 - Rs. 500 Rs. 100
      Rs. 501 - Rs. 1000 Rs. 200
      Rs. 1001 - Rs. 10,000 Rs. 500
      > Rs. 10000 Rs. 750
    4. Is there a fee charged on replacing the SBI Corporate Utility Credit Card during an emergency?

      No, there is no fee charged for an emergency card replacement and is complementary.

    5. Is there an annual fee charged on the SBI Corporate Utility Credit Card?

      No, there is no annual fee that is applicable on the SBI Corporate Utility Credit Card.

    SBI Corporate Utility Credit Card Reviews

    • SBI Cards Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I also bank with State Bank of India for a credit card and the offers on the card is more than satisfactory. When ever I used my card there are no technical issues. There are proper rewards and the points can be redeemed too. The charges are also normal.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from last 2 months, the services provided by SBI credit card is average when compared to other credit cards. When it comes to credit limit, it is very less. They also charged Rs. 3000 as one time processing fees at the time of getting this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "SBI is better than others"
      0.5 5.0/5 "Blown Away!"
      SBI is better than HDFC Bank in terms of points. As far as SBI is concerned, one point is equal to one rupee even when i checked HDFC Bank, the bank was charging more when compared with SBI. I do get offers some offers on shopping @ big bazaar 5% cash back.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Credit card"
      0.5 5.0/5 "Blown Away!"
      To start off, I would say my SBI credit card is a special card where if we waive the card, the card would get swiped instead of swiping the card in the EDC terminal. On my SBI credit card, I was offered a balance transfer option, depending up on my credentials, I get some offers and varies accordingly. I am holding this credit card of SBI for the past 2 months.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Satisfactory services"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India and the offers on the card is fine. The customer services and response is good when I reach out to them for a query. The bills are clear and there are no hidden charges.The credit limit is also to my satisfaction.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "First experience was good one"
      0.5 5.0/5 "Blown Away!"
      Initially I was sait to be offered a very good Credit limit, which actually turned not that good. The amount that was credit was around Rs.42000, this is the only reason I haven't used this card often. Apart from that the I liked the offers available in this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Good experience"
      0.5 4.0/5 "Great!"
      I have been using my State Bank of India Credit Card for the past two years. I have had a very good experience with them, the card seemed like very useful. Special mention is supposed to be given to their Customer Service. Their communication has been always good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Convenient card "
      0.5 4.0/5 "Great!"
      I am holding IRCTC SBI credit card for last three yea.rs I have not been using it frequently. Hope I get good discounts in railway ticket, whenever I use my credit card to book the tickets, they give best discount. I am happy about it, overall fine to use.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am having the SBI credit card and am using it from the last two years of time. Customer service is also fine one for me and I have not faced any claims with them . I would like to say that they are not providing the proper services to the customers.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Looking for better feature"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is comfortable but hardly I use my credit card. But they gave me satisfactory credit limit. I am holding their SBI card around two years. There is an annual charges applicable around Rs.500, they used to give some starting voucher as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "average service"
      0.5 3.0/5 "Satisfactory"
      I rarely uses my STATE BANK OF INDIA credit card service and the limit for my STATE BANK OF INDIA credit card service is 30k also the offers I wont use the offers much and I was unable to connect STATE BANK OF INDIA credit customer service much ,I would say the service of STATE BANK OF INDIA for my credit card service is average.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I can say the service from STATE BANK OF INDIA for my credit card service is good but if there is any delay in the payment they are not accepting the late payments the charges is fine and the customer service staffs are very good ,the service of STATE BANK OF INDIA is very good still for my credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      The service of STATE BANK OF INDIA for my credit card service is good but the process is always slow they use to delay in processing but the rate of interest which is offered from STATE BANK OF INDIA is always lowest also the online application is use friendly .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "worst service"
      0.5 1.0/5 "Really Bad"
      The service of STATE BANK OF INDIA is not as much I expected from STATE BANK OF INDIA service,there is no proper response from their staffs and the customer service is not good and they are not providing any proper information's I am very much disappointed with the service of STATE BANK OF INDIA for my credit card service.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I have been offered a credit card from State Bank of India as I'm a very long time customer with them. I have been using this State Bank of India Visa Credit card for around 1 year and everything is fine this credit card. I use this credit card for shopping, movies, dining, fuels etc. Cash back and rewards are good. There is no annual fees applied to this credit card.
      Was this review helpful? 0
      , bikaner
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 3.0/5 "Satisfactory"
      I hold the Sbi simply save credit card for past 1 year. I use this card for shopping, online purchases, and for bill payments. I am satisfied with the credit limit. There is annual fee of Rs,499 I pay towards this card. I am happy using the SBI simply save card.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      The SBI gold credit card has been used by me for more than 4 years. I use this card for shopping, household items, purchases and for bill payments. I am satisfied with the credit limit. There is no annual fee with this card. The rate of interest is high with SBI credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good for shopping offline and online"
      0.5 4.5/5 "Excellent!"
      SBI interest rate was very high, if some time I miss the payment they charge me very high and they have an annual charges around Rs.500 but they give coupons for that same amount. I generally get discount on big bazaar products, even they give upto 10% flat discounts.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "New card, require little more time"
      0.5 4.0/5 "Great!"
      I got SBI Platinum Card couple of months back and found the experience to be decent. Eventhough I have used the card much, I felt the process for taking the card was short and crisp. Generally I have a good impression about the State Bank of India's credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
    • SBI Cards Credit Card
      "Good offers "
      0.5 3.0/5 "Satisfactory"
      I hold a SBI credit card with a limit of 1.30 lakhs I have been using the card for more than two yearsIs a zero fees card.Best cash back offers are given for online shopping up to 5-10%.i got an offer to upgrade my card however am happy with the current limit.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 16, 2017
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