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
      "Not bad"
      0.5 2.0/5 "Expected more"
      I am having the SBI Elite card and am using it from the last eight months of time. Credit limit is around 3.5 lakh Rupees till now. Customer service is also a good one with them and the interest rate is the drawback with them, also they will not provide the reason for the extra charges.
      Was this review helpful? 0
      , chennai
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the State bank of India and the services are good one with them, also they have contacted me to increase the credit limit. Customer service is good one with them and am using it from the last two months of time.
      Was this review helpful? 0
      , tirupur
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Excellent "
      0.5 4.0/5 "Great!"
      I do have credit card with the SBI and I want to say its the best one because their service aspects are really good while compare with some other competitors. Response is fine one with them and am having this credit card from the last two years of time. Offers are almost good one with them.
      Was this review helpful? 0
      , gurgaon
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      State bank of India provides good credit card service. I am using the card for long time but I did not gone through any kind of tough situation because of the credit card. I used to get reward points and cash back offers. Good feature of SBI is we can convert all the reward points into cash.
      Was this review helpful? 0
      , pune
      Reviewed on May 27, 2017
    • SBI Cards Credit Card
      "Need to look for customer"
      0.5 3.0/5 "Satisfactory"
      SBI credit card is the one am having from the last three to four years of time. Rate of interest is huge with them and reaching out the customer service is also really a tough one. They are charging the standardized rate of interest on a monthly basis. It looks like something which is P rivaling in the market.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      With the SBI platinum credit card the interest rates is really high and the customer support is not up to the mark. I don't get any benefits with this card. I hold this card for past 3 years. The Sbi can increase the credit limit with this card. Overall I am satisfied with the service
      Was this review helpful? 0
      , jamnagar
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      It was quite good to use style credit card of State bank of India. . I don't have any charges on my statement no hidden charges anything its clear.credit limit they have offered is 35000 rupees overall experience was fine with state bank of India.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Good credit card"
      0.5 3.0/5 "Satisfactory"
      Earlier I had simply save credit card now they upgraded for Platinum card. SBI simply save card has one point for 100 rupees spent. But platinum has two points for 100 rupees. If I wish. I could redeem the points into cash or voucher. Features are good with SBI credit card they got tie up with many outlets like KFC, coffee day etc.
      Was this review helpful? 0
      , narwana
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Convenient Shopping with SBI ELITE"
      0.5 5.0/5 "Blown Away!"
      Almost SBI credit card interest rate is equally good. I am holding Platinum Elite credit card it has the credit limit of Rs.2.4 lakhs. Frequently I shop with my credit card, I purchased many home appliances 65,000 CREDIT LIMIT. There is no annual charges, its a life credit limit, I got maximum cash back of Rs.65,000 which is really great.
      Was this review helpful? 1
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "Its Convenient "
      0.5 3.0/5 "Satisfactory"
      I couldn't redeem SBI reward points into cash, I am using SBI credit card for past eight month, I used to get cash back in online shopping upto 10% to 15%. I am happy about it. SBI offered me good credit limit, its very much satisfied. Overall I am happy with their offers.
      Was this review helpful? 0
      , chennai
      Reviewed on May 26, 2017
    • SBI Cards Credit Card
      "DISSATISFIED"
      0.5 1.0/5 "Really Bad"
      When I had been offered this card, i was told it was that the credit limit would be good but the credit limit they have offered is 16k which is very low. The most important feature is on line banking with sufficient credit limit I have called the bank to increase my limit but they just said " Sorry sir no offers running now".
      Was this review helpful? 1
      , udaipur
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "The best for a credit card"
      0.5 5.0/5 "Blown Away!"
      SBI is excellent in the services. When ever I call the customer support they respond well and on the same day they sort out what ever my clarification might be. There are reward points and I benefit a lot with this credit card when I use it online as I get 5% to 10% cash back. There is a annual fee of Rs.500 and it is waived off as my transactions crosses the specified limit. I am also happy with the online banking, because when I log in I am able see the details of my outstanding and principle and due date. I do not have to navigate much for information.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Offers has to be improvement"
      0.5 3.0/5 "Satisfactory"
      SBI interest rate is high they taking high processing fee for EMI conversion, they didn't give any another offers on the credit card. I am using SBI Simply Save credit card for past one year they offered me the credit limit of Rs. 1 lakhs its good.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Good to use for railway tickets"
      0.5 5.0/5 "Blown Away!"
      I have SBI IRCTC credit card, I used to book the railway tickets with that card and I am getting good offers with good reward points. For 100 rupees spent - 1 points, last year I have accumulated and got 2000 rupees voucher for the shopping, I am very happy to use.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Satisfied with the process"
      0.5 5.0/5 "Blown Away!"
      The offers on the credit card at SBI is good and the best is the fast process in me getting the card. There is a annual fee of 499% and it gets waived off if I swipe my card for a certain limit. The drawback is that the credit limit was lesser than what was promised.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 25, 2017
    • SBI Cards Credit Card
      "Its Good to hold"
      0.5 3.0/5 "Satisfactory"
      I am getting very good follow up calls from SBI on credit card reminder and they updating good offers on time. I am fine with the credit card its good credit limit. I used to get some offers in online shopping, but I am not much aware of other offers.
      Was this review helpful? 1
      , chennai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "The best in banking"
      0.5 4.5/5 "Excellent!"
      I hold a credit card with SBI and the offers are excellent and also the credit limit as well. There are charges on the card and there is no refund as well. I am still happy with the bank as the card is accepted all over and the services are good and the statements are clear.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "Under updattion"
      0.5 4.0/5 "Great!"
      Having SBI simply save card for past 2 years, Availing the benefits like reward points and the cash back offers with this card. The customer service need improvement here. I am happy with the credit limit with this card. The mobile application need to focused a lot. Overall it is an average card to use.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "It should be transparent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI IRCTC credit card, they are giving best offer on train booking, when I book any railway ticket through my credit card, ticket cost is getting low. But I faced some issues with SBI credit ca rd, I have paid all the out standing due of my card, but SBI impacted credit score hence unable to loan from any bank. I had lot of communication with them but still it was not resolved.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2017
    • SBI Cards Credit Card
      "Very Good"
      0.5 4.5/5 "Excellent!"
      I am having the credit card with the SBI and I got it from them because I had the salary account with them. Customer service is good one with them and the credit limit is good one and I made it in optimized manner. Online services were good with them before but after merging , I have faced some issues with them.
      Was this review helpful? 0
      , dharapuram
      Reviewed on May 24, 2017
    Common Loader Icon

    SBI UBI Credit Card

    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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