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  • 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
      "Need scope of improvement"
      0.5 3.0/5 "Satisfactory"
      SBI don't respond to the customer, when I purchase something that I used to paid the usage amount. I have been holding SBI card about one year, the card limit is satisfactory. They have good reward points for the spends I am fine with that part.
      Was this review helpful? 1
      , kolkata
      Reviewed on Dec 10, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been just 15 days since i started using this card and the services which they had provided so far has been good. They had given me with a credit limit of 15,000 and there has been some benefits which i am yet to explore. There is an annual fee with this card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 10, 2018
    • SBI Cards Credit Card
      "Good feature credit card"
      0.5 4.5/5 "Excellent!"
      I felt sbi is good, the user limit as been increased six times, initially I started with the credit card of Rs.15,000 now it been upgraded to Rs. 8 lakhs where I am using other cards it was not much competitive, I not sure about the interest still it was nominal on credit card transactions
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 09, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      My credit card was taken with SBI , I am holding this card for past 1 year . The application is too slow even i am not happy with customer service . They offered SBI PLATINUM credit card . The services is very average . They provide satisfactory credit limit with SBI credit card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 09, 2018
    • SBI Cards Credit Card
      "Good for big bazaar shopping"
      0.5 5.0/5 "Blown Away!"
      SBI customer support is not upto to the mark, they responded to the helpline. If I call to other bank they immediately pick up in that case they need to work on it, this card is mainly for big bazaar I get more offers on it. SBI also provides cash back offers.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 09, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been holding SBI credit card for long time, there service is not up to the mark, like i thought to stop this card, they said that for closing this card i need to pay annual fee for an whole year then i can close , so i am thinking to close or not like that whole year i need to pay annual fee and even there customer service is not good they have not properly resolve my issue, but one thing is good that with in 2 days my points getting redeem .
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 08, 2018
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been holding my credit card with Sbi, they have charged me annual fee in this card, but there is a waive off option available in this card, but i am not happy with my credit limit it is too low they have given me in this card, but the service is not that up to the mark.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 08, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been holding SBI credit card for long time, they have charged me annual fee in this card. but it use to get revise it like there is waived off option is available in this card, if i spend certain amount then my annual fee will get waived off, i am happy with my credit limit they have given me good limit, there service is good.
      Was this review helpful? 0
      , patna
      Reviewed on Dec 08, 2018
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been holding SBI credit card for long time, they have charged me annual fee in this card, i have no idea about waived off option , in this card available or not i have no idea, i donâ??t use this card much and i am happy with my credit limit which they have given me in this card and there offers are good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 08, 2018
    • SBI Cards Credit Card
      "Good features"
      0.5 4.0/5 "Great!"
      I hold a credit card with State Bank of India. I mainly use the card for grocery shopping and online shopping. The limit can be better. It is a life time free card and the statements are clear and sent to me on time. There are good deals as well on the card.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 08, 2018
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI bank credit card for a while, there service is excellent , they have charge me annual fee in this card , they have charged up to 500 rupees as an annual fee and it has been waived off and i am happy with my credit limit, and i use this bank for multiple use.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I have been holding SBI credit card for long time, there service is not up to the mark, they have charged me annual fee in this card, and there is no waived off option available in this card, they have not given much credit limit, offers is not good.
      Was this review helpful? 1
      , lucknow
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Poor service"
      0.5 1.0/5 "Really Bad"
      I have been holding SBI credit card for long time, there service is not up o the mark, there customer service does not co-ordinate with me well and without my knowledge they have deducted and i asked for what reason they have deducted even customer service team donâ??t have proper knowledge about that and they have charged me annual fee up to 500 and there is no waived off option available in this card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      SBI credit card which i am using is good i m satisfied with my credit limit which i expected i got, offer and reward which they provide is good, even benefits which i get is good even customer support is good. In short, I am very much happy with the service they provide.
      Was this review helpful? 0
      , delhi
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with SBI , i am holding this card for past 2 year . They offered SBI VISA Credit card . They also offered me a fair limit. Their customer support is also good. I make payments online which is convenient for me and never had any issues with their services.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Response should be improved"
      0.5 3.0/5 "Satisfactory"
      The credit limit is good, I have been holding FBB style up card it has annual card, I get the benefits on cash back 10% on big bazaar , the interest rate quite higher side compared to other card. I wont recommend this card, they need some improvement, when I call for any difficulties they wont respond.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Very Useful card"
      0.5 3.0/5 "Satisfactory"
      There is a annual fee of Rs. 450+Tax every year for my SBI card and it will not get waived off. They have offered me a credit limit of Rs. 50000 and I'm not satisfied with it. I have interacted with the call centre people to enhance the credit limit and they have asked me to submit the documents.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with SBI , The best part of SBI credit card is if i do not have saving account of this SBI then too i can use mobile banking for payment. I am holding this card for past 2.5 years . They offered SBI IRCTC credit card . I use this card for multipurpose .
      Was this review helpful? 0
      , lucknow
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI , they offered SBI FBB Credit card . They offered 19000 o credit limit which is very low i was expecting something more . The card is chargeable but they gave waive off option also . Service and process was too smooth and hassle free .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI , the card is chargeable but if i spent 100000 they will give waive off option . I ma holding this card for past 1 year . They offered SBI METRO credit card . They offered 47000 of credit limit with this card . Benefits were good reward point and cash back .
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 07, 2018
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