Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • 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
      "Annual fees is very higher and No offers "
      0.5 1.0/5 "Really Bad"
      SBI credit cards always offers a very high Interest rate . For the past 1 years , I am not getting any offers and discount in the on-line . I am somewhat okay with the credit limit . Annual fees is around 700 /- . Since , I am not getting any offers , i thought of canceling this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good shopping card "
      0.5 3.0/5 "Satisfactory"
      i am using Sbi credit card more than 8 months. The annual charges for this card is Rs. 499 if i spend some amount annual charges will get waived off.This card comes under a life time free credit card. Credit limit they given only Rs. 35000 i am not happy with the credit limit. Customer services and responsiveness is okay.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good Credit Card"
      0.5 4.0/5 "Great!"
      As per my experience SBI is good, because they are considering the existing customer and they increasing the limit and also the bank feedback is very nice. I have Simply save credit card its a life time free card, but I suggest offer part should be taken care.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      I bank with State bank of India for the credit card. The customer services are good and they are responsive. They are good in the offers and the credit limit too. The statements are clear and sent on time. In all there are no hassles to use the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Benefits should be increase for the existing customer"
      0.5 2.0/5 "Expected more"
      SBI card is there with me but no much reward points, almost I have been using this card around five years. They didn't enhance the offers or other benefits though I am an existing customer, this a life time free card. Still need improvement on the offers part.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Services need improvement "
      0.5 3.0/5 "Satisfactory"
      I am not too happy with the credit card of State Bank of India. It is not secure and there was a transaction of 8K that was made without my knowledge. I have informed the customer care and they are still working on it. They 90 days timeline is also over.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Card should be more secure"
      0.5 2.5/5 "Just OK"
      The credit limit is okay but not excellent. I bank with State Bank of India for it. The offers are also minimal. But the major drawback is the credit card is not secure and there was a fraudulent issue which had happened. The customer care was quick enough to sort out the issue.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "BETTER"
      0.5 3.0/5 "Satisfactory"
      I am holding the SBI CARDS with the the service with this card is very good but the card has the charges applicable for yearly once which is 500 rupees. The credit limit with this card is good also it is user friendly to access with this credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been more than five years since i am using this Credit card and the services which they had been providing so far had been good. I am happy with the credit limit with the card and there has been some better offers with the card as well. It does not have any annual charges and i have been using this card for most of my purchases.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good in all"
      0.5 5.0/5 "Blown Away!"
      My experience at State Bank of India is good and there are no hassles in the process. The customer support and response is good. I bank with them for the credit card. The credit limit is satisfactory and there are annual charges for the card, it gets waived off if the card is used to a certain limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Mar 20, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      The services of STATE BANK OF INDIA credit card was good .There is no joining fee at the time of getting the card . I do most of the transaction with this Card and never had any issues. As i take care of my payments on time this card helps me serve better. I am holding this card for past 5 month .
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with limit rs -650Lack in this card . This is life time free card and cash back offer in this card everything is good of State bank of India bank and last ten years above I am using this card approximately and their customer service is provided is good and response properly
      Was this review helpful? 1
      , new delhi
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Avearge "
      0.5 3.5/5 "Pretty good"
      i am holding SBI credit card from past 8months. My credit limit is not satisfactory, i am not aware about the annul fee . Mostly i use this card for traveling, booking flight tickets. Even the on-line facility is so smooth i never face any network issue . The customer respond is too good.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am using the credit card with the SBI CARD they have given the credit card limit which is satisfactory with this card also it is user friendly to access. They provide with good offers like cash backs, online purchase offers, rewards points with this card. The customer service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The experience with SBI credit card was good . It has also got a very good limit. I have faced some issues with their services. The credit limit which they gave me is very satisfactory i never had any problem with their customer service .I close this card .The services are not so good .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "They need improve their services"
      0.5 1.0/5 "Really Bad"
      I am not happy with the services of STATE BANK OF INDIA credit card . I have not good experience with them . On one occasion i spoke to customer executive they said me there is no annul fee but later they charge me for that which is very disappointing part . Because of that it is effecting to my credit score .
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "More than excellent"
      0.5 5.0/5 "Blown Away!"
      I use SBI Tata credit card for last 6 months. It is excellent card, main thing they have an option for balance transfer and the charges are minimal. The customer service is also up to the mark. They don't charge annual fee. I use this card for multi purpose.
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Excellent and limit has to be enhanced"
      0.5 5.0/5 "Blown Away!"
      I am using SBI TATA Credit card for past 5 years but they have not enhanced the credit limit. It is a life time free credit card. I am using the card for multi purpose. The reward points can be redeemed to purchase any Tata products on the malls also.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      This is life time free card and cash back offer in this card everything is good of State bank of India bank and last ten years I am using this card approximately and their customer service is provided is good and response properly . I am satisfied with limit in this card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      Last one and half year I am holding state bank of India credit card . This is life time free card and cash back offer in this card everything is good of state bank of India and I am satisfied with this card and customer service provided is good and their response is properly .
      Was this review helpful? 0
      , bangalore
      Reviewed on Mar 19, 2019
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