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.
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.
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.
The eligibility for procuring an SBI UBI Credit Card is decided based on the applicant’s income and employment, among other factors.
|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|
Yes, there is a one-time joining fee, a maximum of Rs. 5000 that is charged.
Customers can now book their railway tickets online in the following simple steps -
Users should note that the IRCTC website’s terms and conditions governs all transactions made through the website.
Users need to type “PIN” followed by a
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.
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|