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

    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      Service was very good from SBI,transaction was very slow from SBI. Interest rate was 12.5 emi was fine, I even use to get regular offers from SBI I uses my SBI credit card only to purchase and online shopping , I have a suggestion they have to improve their support and customer service when ever I contact it will be busy .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      It was an good service from SBI ,I use to get proper response from SBI representatives,when ever I contact them and I uses SBI visa card from which I use to get good regular offers . Transaction part was also very fast with SBI ,so overall I can say it was an excellent service .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Good for fuel"
      0.5 5.0/5 "Blown Away!"
      SBI gave me better offers than CITI bank, every month they provides two movie tickets fee at bookmyshow.com, I am getting good cash back in fuel filling and the credit limit is good. SBI is providing good cash back offers in E commerce website.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Offers are good"
      0.5 5.0/5 "Blown Away!"
      The credit card at SBI is also having the best of offers. The credit limit is perfect and there are no charges related to my account. The transactions I make is clearly mentioned online and the statements are on time with a convenient billing cycle.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Very special card"
      0.5 5.0/5 "Blown Away!"
      SBI is very special to me also SBI has offered me a complimentary credit card. They provide special discount for shopping for example If I use the card at big bazaar I used to get 10% discount and it is applicable for all the transactions but it is meant for specific products only. Name of the credit card is Style credit card
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Good to have SBI card"
      0.5 4.5/5 "Excellent!"
      Now a days other banks also giving good offers in credit card but SBI is good in flexibility EMI with 2% of interest rate and also I am getting good reward point, recently I brought wallet through the points. And also they are giving cash back offers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Very good credit card"
      0.5 5.0/5 "Blown Away!"
      SBI credit card is very good, SBI rate of interest is very less, on the same lines SBI offers some discounts on movie tickets too. I was able to get very good discount at BOOK MY SHOW buy one get one free. Rest everything is good with SBI.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with State bank Of India and the services are excellent from them.They provide me with all the basic offers and the credit limit is also good. There are points that can be redeemed online and the annual charges for this card is 499 rupees.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Good cash back credit card"
      0.5 5.0/5 "Blown Away!"
      Before four month I have taken SBI credit card through online channel. They didn't give any complimentary offers but their service is good than CITI bank. Credit limit is also good, SBI is giving more cash back, in amazon, I purchased Info focus mobile worth Rs. 9000 with 10% discount on my credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Nice experience"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with State Bank of India. The offers and the credit limit I have is pretty good. This bank provides more offers online and there is also a balance transfer facility. I get clear statements and it is on time too. Overall it is a hassle free experience.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The credit limit is very less on the SBI credit card. I was initially given 50K and it is not enhanced after which. I am also not happy with the billing date. I have asked for 1st of the month and the bank does it on the 6th, which is also not a good experience.
      Was this review helpful? 0
      , dehradun
      Reviewed on Sep 19, 2017
    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have the SBI bank credit card .I get good offers from this card and I can redeem points everywhere. It has been just four months now I had been using this card,the limit is really good its 58000 thousand.annual charges for this card is five hundred rupees
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I can say the service of SBI was very good ,even I use to get good regular offers from SBI . I can use my SBI credit card anywhere so never got any queries in that,even the representatives will be very helpful , so overall service was good .
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "Excellent card to use"
      0.5 5.0/5 "Blown Away!"
      For more than 15 years I am using the SBI credit card. I got the Elite credit card for past 2 years. The customer service is good with SBI. The Rate of interest is low with the SBI elite card. I use this card for all type of purchases, petrol and for electric bill payments. I am happy with the credit limit, I pay the annual fee of Rs.5000.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "Very good banking services"
      0.5 5.0/5 "Blown Away!"
      SBI has also heeded to my request for enhancing my credit limit. The bank has done a good job and I am happy with the process. The transactions are good and they are clear in the billing. It would be more great if I get some offers on the card. It would be more useful.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "Good EMI options"
      0.5 4.0/5 "Great!"
      I am fond of EMI options which is there on my SBI credit card. However SBI is charging more when it comes to EMI options. I am holding this credit card for about 8 years. I am very much happy with the line of credit which is there on the card which is 75k also I am looking forward for the card up-gradation also,
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I am using the SBI Visa platinum credit card for past 1 year. I am happy with the credit limit, because I got the credit limit of Rs,75,000. There is no annual fee for this card card. The rate of interest is average with this card. I use this card for petrol, mobile bill, and for other restaurants bills.
      Was this review helpful? 0
      , nagpur
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "Deals and services are good"
      0.5 4.0/5 "Great!"
      State Bank of India has also offered me a credit card. The features on the card is good, I get deals often and the deals online are also decent. The limit is good and the bank updates me about the deals as well. There are no charges and in all it is smooth.
      Was this review helpful? 0
      , mumbai
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      Though the offers are good on the SBI credit card and they also have a decent credit limit. There are a lot charges taken and the interest rate is also a bit high. The customer services could be more swift. Else the bank does not charge me any hidden fees.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 18, 2017
    • SBI Cards Credit Card
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      I am one of the happiest customer of SBI credit card service and I uses my credit card for more than 10 years ,till now I never had any issues with their service and I am very comfortable with their service . Even their representatives where also very helpful always ,overall it was an very excellent service from SBI .
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 17, 2017
    Common Loader Icon
    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
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.