Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • SBI UBI Credit Card Reviews

    • SBI Cards Credit Card
      "Good To Use"
      0.5 5.0/5 "Blown Away!"
      I availed credit card from State bank of India. The bank offered chargeable card along with the good credit limit. Even I am getting reward points and cash back offers on my card. There was no issues with the bank for the card which I hold. Overall service is good.
      Was this review helpful? 0
      , ankleshwar
      Reviewed on Jul 13, 2017
    • SBI Cards Credit Card
      "Convenient to use"
      0.5 5.0/5 "Blown Away!"
      I hold chargeable credit card with State bank of India. The annual fee is around 499 I believe. I am happy with the credit limit offered by the bank. Also they are giving reward points and cash back offers on my card. So it is very much comfortable to use.
      Was this review helpful? 1
      , bhopal
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      SBI credit card has all kind of benefits, good to get an card which is helpful and highly beneficial. SBI credit card is high in reward points, the credit limit they have offered is very best 1.5 lakhs and its chargeable card of 500 and the card is really good for all kinds of needs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "Convenient Credit Card"
      0.5 4.0/5 "Great!"
      I have IRCTC credit card from SBI, I didn't get any offers from them in term of reward points or cash backs. But the Credit limit offered by them is very much satisfactory. SBI IVR system is not upto the mark, I can't reach the executives immediately to resolve my queries.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      For the past one year, I am using SBI cards. The one I hold with SBI is a life time free card. The credit limit is pretty good and I do not have any issues with the bank for the credit card. I am more comfortable with the card and the services are pretty good.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "Good to Use"
      0.5 5.0/5 "Blown Away!"
      State bank of India offered life time free credit card. I do have savings account with the same bank. The bank is good in customer service and response. I am more comfortable with the bank and I do not have any problem with the bank for the card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 12, 2017
    • SBI Cards Credit Card
      "The best on credit card"
      0.5 5.0/5 "Blown Away!"
      SBI has offered me a Master Credit card and I paid a joining fee of 499. There are annual charges of 499 as well. But I get a lot of cash back offers. If I spend Rs. 1000 online for shopping, I would get back a10% as cash back. There is a cash back on groceries too. For every 100 spent, I would get 4 points and I can redeem those points to pay my bill. The credit limit is good and there are other benefits like a loan on card, balance transfer and the EMI options too.
      Was this review helpful? 1
      , navi mumbai
      Reviewed on Jul 11, 2017
    • SBI Cards Credit Card
      "Good to use"
      0.5 4.0/5 "Great!"
      State bank of India offered a life time free credit card for me. I already holding savings account with the bank. The credit limit is quite good and I do not have any issues with the bank for the credit card. I am getting reward points and cash back offers on the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 11, 2017
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am holding a SBI platinum credit card for more than a year. The customer service and the response was good with SBI. This card has good benefits, but I never utilized the benefits. The rate of interest is high when compared with others. I am not happy about the credit limit, still they can increase the credit limit in future. I am happy to use this platinum card with SBI.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 11, 2017
    • SBI Cards Credit Card
      "King in collecting interest rate"
      0.5 1.0/5 "Really Bad"
      I was offered a credit limit of Rs.79,000 on my SBI credit card its pretty good to use, but I am not fine with their service. If I have any queries related to the credit card I have to call their customer service, even if I call them I dont get any kind of response from them either. Interest rate was also very high for all transactions and they won't give clear information about the charges too.
      Was this review helpful? 1
      , visakhapatnam
      Reviewed on Jul 11, 2017
    • SBI Cards Credit Card
      "They should reduce the annual charges"
      0.5 4.0/5 "Great!"
      SBI given good credit limit with flexi pay option. I could convert the purchase amount into an EMI and also with balance transfer option. Other than that SBI giving good reward points for all transaction, One draw back on my SBI credit card, they are charging around 35% per annum as the interest rate on the outstanding principle amount.
      Was this review helpful? 1
      , chennai
      Reviewed on Jul 10, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am having platinum card with Sbi for past 2 years. This card is used to purchases, grocery and fuel purposes. I am happy with the credit limit with this platinum card. The customer service and the response is good. The rate of interest with this card is average. I am satisfied to use this platinum card of SBI.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 10, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      The credit card at SBI bank has a good network as I can use the card everywhere. I have not had any issues till date. The offers are excellent on the card and I am also happy with the credit card limit. I have just opted this card ans since Iam a TATA employee they have offered me this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 10, 2017
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I was given a simple save card by State Bank of India. They provide good offers and they are awesome in terms of customer service. The response is really good from the bank whenever I reach them the credit limit they have offered is 50000 rupees and annual charge of this card is 500/-
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 09, 2017
    • SBI Cards Credit Card
      "Very Good service"
      0.5 4.0/5 "Great!"
      I am satisfied with the overall service with the State bank of India Credit card i am using this service for about a year now and I get normal benefits and reward points, the credit limit they have offered is 48000 rupees and its a life time free card
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 09, 2017
    • SBI Cards Credit Card
      "Should be more transparent"
      0.5 1.0/5 "Really Bad"
      Earlier I got a call from Tata Company, They said they would be giving Tata SBI card with a very low processing fee of Rs.99. Even the card got dispatch but I was not available in my home. Hence the card got returned, after 15 days I got message and statement they charged Rs.510. Without getting that card I got two months bill of Rs.1200, If I call they were not responding well, but I got mail confirmation stating that my card has been blocked.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 07, 2017
    • SBI Cards Credit Card
      "Good to use"
      0.5 3.0/5 "Satisfactory"
      State bank of India is providing a good service for credit cards. I use SBI cards for long time but the credit limit is not satisfactory because it is low. But I am getting reward points and cash back offers on the card. I never checked about the point redemption.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Jul 07, 2017
    • SBI Cards Credit Card
      "Trustable Bank"
      0.5 5.0/5 "Blown Away!"
      I believe SBI because it a Indian bank, therefore I have opened saving account with them. It a trusted bank, previously it was not that much good but currently they are progressing many features , I am using SBI buddy mobile app it is good, I could do everything through online and it is very much user friendly.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 07, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I prefer the credit card from State Bank of India, because they have decent offers. They provide free gift vouchers worth 3K and there are other good deals. The credit limit is a bit low, but the card is accessible all over. There is a annual fee for the card.
      Was this review helpful? 3
      , bangalore
      Reviewed on Jul 07, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      It is a average experience wit State bank of India. After me submitting my details to the bank, they took a month to execute it. It has not been a very satisfactory process for me for the credit card. The deals on the card may be good, but they need to work on the customer services.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 07, 2017
    Common Loader Icon

    SBI UBI Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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
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