•  Loading your search... Loading your search...
  • SBI UBI Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    SBI UBI Credit Card

    Combining the benefits of two well-known banks along with the experience and trust that comes with it, the SBI UBI Credit Card is a card that is sought after by one and all. With various offers and features being provided along with the opportunity to earn points that can be redeemed for some fantastic gifts, this card can also be used for various other transactions such as booking railway tickets and can be used worldwide.

    Benefits of the SBI UBI Credit Card:

    Welcome Offer:

    Customers, upon becoming SBI UBI Credit Cardholders can avail a cashback of Rs. 100 on their first withdrawal. This offer is to be redeemed within a month (30 days) of procuring the card.

    Credit Card Reward Points:

    Shopping is now a more enjoyable experience with some of the best rewards programme and credit benefits being offered by the SBI UBI Credit Card.

    For the SBI UBI users, gold, every time Rs. 75 is spent on their card they will earn one reward point.

    For the SBI UBI users, silver, each time they spend Rs. 100, they stand to earn one reward point.

    These points can they be redeemed for a number of exciting rewards.

    Features of the SBI UBI Credit Card:

    Acceptance Worldwide:

    Internationally accepted, this credit card can be utilized in more than 24 million outlets world over which also includes more than 3 lakh outlets within India itself. Customers need to only look for a MasterCard/Visa mark of acceptance and then pay through their card.

    No fuel surcharge:

    SBI UBI Credit Card users can waive their fuel surcharge through the use of their card. This unique convenience and benefit is available for customers when diesel, petrol and lubricants at all petrol pumps is purchased using their SBI Visa Credit Card. They need to buy fuel for an amount between Rs. 500 and Rs. 3000 per transaction every time to procure this offer. It is to be noted that for every card account, up to Rs. 100 every month is the maximum waiver available for the surcharge.

    Cash on the go:

    SBI Card users can also withdraw credit card cash from more than a million ATMs affiliated to MasterCard/Visa ATMs all over the world which also includes 18,000 ATMs within India. Apart from this, SBI UBI Credit Cardholders also have access to more than 10,000 ATMs affiliated to SBI throughout India in more than a 100 cities.

    Peace of Mind:

    SBI UBI Credit Cardholders can utilize the services of the 24 hour VISA Global Customer Assistance Services and the SBI Card Customer Helpline during any emergency. These helplines are available worldwide for the use of the SBI card customers.

    Bill Payment Facility:

    Customers can use the Easy Bill Pay facility to pay for various utility bills punctually. Electricity, telephone and insurance bills can be paid on time with this feature on their SBI Visa Credit Cards which is also completely free of cost. Reward points are also an added feature with this bill payment facility. Further details can be sought from the SBI Card website.

    Add- on Cards for your family:

    SBI UBI Credit Card users can also procure add-on cards. Customers can apply for these cards for the benefit of their family members including their children, siblings over the age of 18 and also their spouse.

    Balance Transfer:

    Customers, while paying their credit card dues can also save money. SBI Card users can now transfer the amount that is outstanding from their other card to their SBI Card. The scheme also boasts of a low rate of interest.

    Flexipay:

    SBI UBI Credit Card users now have the option of purchasing the items of their choice and repay the same in simple monthly installments. They can choose any plan that suits their needs and thereby avail a low interest rate. For this plan to be activated, users need to call the Helpline within 10 days of making the purchase.

    Easy Money Facility:

    By calling the SBI Card Customer Helpline, users can now order a bank draft at any given time. This is useful for bill payments, fee and tax payments and much more. Customers should note that the draft amount will be billed to their SBI Card. Further details can be sought by calling the SBI Card Helpline.

    Credit Facility:

    Advantageous payment flexibility and various card benefits are now available via the SBI UBI Credit Card. Outstanding payments can be planned to suit the user’s financial needs through the extended credit option. Users have the option of paying an amount of their choice between the minimum amount that is due to the total amount that is outstanding as shown in their Monthly Statement. The unpaid balance can also be carried forward at a very low finance charge.

    Online Railway Ticket Booking:

    SBI UBI Credit Card users can book their railway tickets through their credit card online and also have them delivered to their homes.

    E-Statement:

    Users have access globally at all times, to their monthly statements. They can now avoid the hassle of lost or delayed statements and instead receive them through their e-mail.

    SBI Card Alerts:

    Users also receive information related to their card status on their phones, via an SMS. These alerts include Cheque, Mini Statement, Cash and Credit limit alerts along with Payment Assistance alerts. Customers can avail this feature by visiting the SBI Card website or calling the SBI Card Customer Helpline.

    SBI Card Online:

    SBI UBI Credit Card users now have the option of managing their SBI Card account online. This includes checking their statements online, locating the closest SBI ATM, requesting a change of address and checking the latest offers and receiving prizes. To avail this feature, users need to log on to the SBI Card website.

    Drop Box Locator:

    Customers can easily locate the nearest SBI Card Drop Box in their area by following some simple steps.

    Documents required:

    • PAN card
    • ID proofs (Anyone) -
      • Passport
      • Driving License
      • PAN Card
      • UID Aadhaar Number
      • Voter’s ID

    Eligibility:

    The eligibility for procuring an SBI UBI Credit Card is decided based on the applicant’s income and employment, among other factors.

    Fees and Charges:

    A onetime Joining Fee A maximum of Rs. 5000
    Annual Fee A maximum of Rs. 1500
    Add-on Fee per annum A maximum of Rs. 500
    Extended credit - Interest Free Period A period of 20 to 50 days and is applicable on retails spends only if the outstanding balance amount from the previous month is paid completely
    Extended credit - Finance Charges Up to 40.2% per annum or 3.35% per month from the date of transaction
    Extended credit - Minimum Amount Due A minimum of Rs. 200 or 5% of the Total amount outstanding along with Government Service Tax and in case of loans, including EMI
    Cash Advance Limit A maximum of 80% of the credit limit
    Cash Advance - Free Credit Period Nil
    Cash Advance - Finance Charges A maximum of 80% of the credit limit; For Gold Card users, up to Rs. 12000 per day and for Platinum or Signature Card users, up to Rs. 15000.
    Cash Advance Fees - State Bank of India ATMs and other Domestic ATMs Rs. 300 or 2.5% of the amount withdrawn, for each transaction
    International ATMs Rs. 300 or 3% of the the amount withdrawn, for every transaction
    Cheque Pickup Rs. 90
    Statement Retrieval If over 2 months, then Rs. 100 for each statement
    Chargeslip Request For each chargeslip, Rs. 225 is charged
    Overlimit A minimum of Rs. 500 or 2.5% of the overlimit amount
    Rewards Redemption Fee Rs 99 along with Government Service Tax
    Cheque Pickup Rs. 90
    Cash OTC fee Rs. 100
    Replacing the card Rs. 100
    Surcharge - Railway Ticket Rs. 30 plus 2.5% of the transaction amount

    SBI UBI Credit Card FAQs:

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

      Yes, there is a one-time joining fee, a maximum of Rs. 5000 that is charged.

    2. How can customers book a railway ticket online using their SBI UBI Credit Card?

      Customers can now book their railway tickets online in the following simple steps -

      • Users need to register on the IRCTC website, which is free of cost
      • They need to then log in to their account providing their username and password
      • Following the instructions that are given on the website, users can then book the tickets
      • Payment can then be made through the SBI Card via either of the two gateways provided, both of which accept all MasterCards.

      Users should note that the IRCTC website’s terms and conditions governs all transactions made through the website.

    3. How can users locate the closest SBI Card Drop Box?

      Users need to type “PIN” followed by a and their 6 digit pin code and send it to the given number, following which they will receive the list of drop boxes in their locality.

    4. How can users redeem their Credit card Reward Points?

      After the users have received the required number of rewards points, they can log onto the SBI Card website and select the item they wish to redeem. Following this, users will have to call the SBI Card Helpline and request for the gift, post which gift will be send to their address.

    5. Is there any fee charged on late payment?

      Yes, fee is charged based on the total amount that is due. The table below gives further details.

      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

    SBI UBI Credit Card Reviews

    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from last 1.5 years, the credit card services are best when compared to all other credit cards. Offers like reward points are good in this credit card and i use this credit card for general purpose. I am happy with the credit limit in this SBI credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 23, 2018
    • SBI Cards Credit Card
      "Waste Credit Card in SBI"
      0.5 1.0/5 "Really Bad"
      I used to try a customer care lots of times. It wont connect at all. They are charing Rs. 500 as annual fee. There is no much offers in this SBI credit card. I have been using this card for 4 years. I used to do online purchase by using this card. They provided me a Rs. 21000 as a credit limit which is very less. They are charging extra if i use more than credit limit. They are charging like over limit usage, Service charges, Low usage charges. I will not recommend this card to anyone.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • SBI Cards Credit Card
      "EXCELENT"
      0.5 5.0/5 "Blown Away!"
      My overall experience is good. They charge me for late payment fee and it is 3.35%. My reward points is good. Customer service is good and responsive to the customers, Offers i have to check regarding this from my card, I am satisfied with the limit from my card.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • SBI Cards Credit Card
      "Satisfied"
      0.5 3.0/5 "Satisfactory"
      I have a credit card with SBI from last 5 years, i use this credit card for multipurpose and there was some illegal transaction done on this credit card, it took 6 months for the amount to get refunded. I pay an annual fee of Rs 500 with the credit limit of Rs 70000 in this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      The state bank credit card service was good and I have got the Sbi Simply Save credit card within 7 days of time, they took time to process the credit card application . The process got delayed. The customer support service and the response need to be improved with the State bank of India.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 23, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 3.5/5 "Pretty good"
      SBI provides good services on credit card when compared to all other credit cards. I am using this credit card from last 6 months and i pay an annual fee of Rs 499 for this credit card. Offers like reward points are good with this credit card and i use this credit card for shopping purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      SBI provides good services on credit card when compared to all other credit cards. I am using this credit card from last 11 years and there was no annual fee charged for this credit card. Offers like reward points are good in this credit card and i use net banking for making bill payments.
      Was this review helpful? 0
      , indore
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The service was good from the State bank of India , after the approval I have got the Sbi Simply Save credit card within 10days of time. The customer support service and the response is good from the state bank of India.The credit limit value is good with this card and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Recently I have got the Insta loan from the State bank of India around 8 months ago, and they have disbursed the loan amount within 8days of time. The customer support service and the response is excellent with the State bank of India. There is no need to submit any kind of documents in getting the insta loan with the State bank of India. The rate of interest and the charges are average with the Sbi.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the Sbi Simply Save credit card for the past 2 years. The customer support service and the response is good from the State bank . The credit limit value is good with this card and I am satisfied with it, it would be good if they can increase the credit limit value in future.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I hold a credit card with SBI from last 8 months, there was no annual fee charged at the time of getting this credit card. I am happy with the credit card services provided by this bank. I get good offers on this credit card and i am satisfied with the credit limit in this credit card.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "No Hassles"
      0.5 5.0/5 "Blown Away!"
      State Bank of India is good in the credit card services. I get a lot of good benefits and the credit card limit is also satisfactory. I can access my card online and offline and there has been no issues. The transactions are smooth and the statements are also clear.
      Was this review helpful? 0
      , darbhanga
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the SBI Simply save credit card for the past 7months. The customer support service and the response is good from the state bank of India. The credit limit value is good with this card and I am satisfied with it.It would be great if they can increase the credit limit value.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding this card for the past six months, the services had been very good so far. There has not been any problems faced from their side so far in banking or using the card. The credit limit has been a little low, and i am expecting an increase in the near future. There has been good reward points for fuel purchases and i have also been using the card for shopping as well.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      The credit card service was good from the State bank of India and i have got the Fbb Sbi platinum credit card within 5 days of time. The customer support service and the response is good from the State bank and I am satisfied with the credit limit value.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI Visa Credit card for a while. They offered me a very good limit , Limit is more than 3 lacs. I Make payments online. There were no problems at all with their services. This card is very useful for all my monthly transactions.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      The state bank sends the credit card statements on time and I use the Sbi Simply Save credit card for more than 6years. The customer support service and the response is good from the State bank . The credit limit value is very low with this card and I am not satisfied with it.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.5/5 "Excellent!"
      I've been using the SBI Prime Credit card for almost a 1 Month. The limit they offered is good . I use this card for shopping and all other day to to day transactions. I never faced any problems with the card and their services.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the SBI Simply Save card for the past 1.5 years. The Benefits of are good. The limit is just okay but not what I expected. Their service is very good and I never had any issues with the card and their services. Overall it is a good card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 22, 2018
    • SBI Cards Credit Card
      "Good Card to Use"
      0.5 5.0/5 "Blown Away!"
      They have provided me a credit limit of Rs. 16000. I always get a good response from SBI I have called to customer care for billing issue. They given me a prompt response. There was very less time to reach the customer care executive. They will provide Credit limit and it is purely based on the salary.
      Was this review helpful? 0
      , chennai
      Reviewed on May 21, 2018
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.