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

    Fees & Charges

    Promised Interest Rate

    Customer Service

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    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
      "They sold me discount card"
      0.5 4.0/5 "Great!"
      The experience with SBI has been pretty decent. The whole process of getting the card was very simple. The credit limit offered to me also is pretty high. Only issue with them was that they sold me a Discount card for Rs.7800, stating it to be a compulsory thing to get.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 22, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using with sbi simply save credit card for a long time the customer service was very good they offered me a credit limit of 86k which was comfortable for me I generally uses my sbi simply save credit card for shopping and mercantile purpose also the offers are good with sbi it was totally a good experience with sbi on my credit card service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 22, 2017
    • SBI Cards Credit Card
      "Looking for better Offer"
      0.5 4.0/5 "Great!"
      SBI service is good but I should get the Amazon voucher of Rs. 500, when I called them they told will receive it after a year. But it was not updated in their system. I chosen SBI simply click card because I believe that card reward points are good but I didn't use it. But the credit limit is far below than other credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 22, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a best experience with sbi for my credit card service the customer service was the best when compared to others in the market they offered me a credit limit of 29k which was comfortable for me. All the relevant documents were collected from my door step it was a good service that I received from SBI for my credit card service.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 22, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was my luxury credit card that I hold with sbi the offers are good with sbi luxury card the credit limit they offered me was good when compared to others in the market it was a good experience on my sbi luxury card till now I dont find any difficulty with sbi credit card services till date.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 22, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with SBI Bank. They offered me Simply Click credit card. The credit limit was good. The reward points and cash back offers are good with SBI. I haven't received the recent statement for the transaction what I have done.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 22, 2017
    • SBI Cards Credit Card
      "Wonderfull service"
      0.5 5.0/5 "Blown Away!"
      The service provided by sbi credit card was good, also it was a good response that I received from the customer service team, they fixed the issues and they given good confirmations regarding the emi queries and good solutions for the issue lot good suggestions for the queries which was good with sbi service ,I appreciate their service even through email it was a wonderful experience with dealing with them,.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 22, 2017
    • SBI Cards Credit Card
      "Best"
      0.5 5.0/5 "Blown Away!"
      I am having the credit card with the SBI and am using it from the last two years of time. I would like to say that the customer service is good one with the SBI credit card and its so good too. Credit limit value is fine one for me with them.
      Was this review helpful? 0
      , noida
      Reviewed on Nov 22, 2017
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have taken a credit card of state bank of India.The limit on the card is 27,000 not happy with the limit given to me because i have been using the card for two years still they have not increased the limit.I pay an annual fees of Rs 500.The card type is IRCTC and I often use this card for ticket booking.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 22, 2017
    • SBI Cards Credit Card
      "Customer care should be improved"
      0.5 5.0/5 "Blown Away!"
      I am not getting any proper service from SBI, their helpline is not reachable for the credit card queries. SBI is providing reward points and cash back for all transaction, but the credit limit is nominal Rs. 50,000 I would upgrade the future.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 22, 2017
    • SBI Cards Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      I am having the SBI credit card and the customer service is good only. I would like to say that the response and other things are good one with the SBI credit card and the credit limit value is good one too. I am happy with the SBI credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 22, 2017
    • SBI Cards Credit Card
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I hold a visa platinum with State bank of India. My current limit is 50000. I was expected more limit. the pin number with SBI is not working. I have raised up a complaint.The annual charge is 1499. they did not even sent me the statement for last month.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 21, 2017
    • SBI Cards Credit Card
      "Good Support"
      0.5 4.0/5 "Great!"
      I got a good Credit Limit with SBI Credit Card and the process for getting the card was also pretty easy. The Reward points in this Bank is also pretty good. I get to do my repayment through Online itself. Altogether the experience with them has been good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 21, 2017
    • SBI Cards Credit Card
      "Good Rewards"
      0.5 5.0/5 "Blown Away!"
      The experience with SBI credit card has been a good one. The card has good value for the money you spent. I have been given a good credit limit and the Reward point of 800 for the 3 months usage is a pretty good one. The customer service offered by the Bank also has been a good one until date.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 21, 2017
    • SBI Cards Credit Card
      "Convinient for Shopping"
      0.5 4.0/5 "Great!"
      The overall experience with SBI Platnium is pretty satisfying. The Card is pretty convenient for shopping and all. The repayment option are done using online. The Card has good credit limit too, other than that they have good customer service too.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Nov 21, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      SBI has offered me a simply save credit card. The credit limit was not completely happy because I had expected above 1L but they have offered 91K. I have no idea about the offers. They didn't provide a customer care number it was not easy to reach the customer support. SBI app is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 21, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The state bank of India credit card was good and they have disbursed my credit card within 1 week and 10 days of time. The customer support gave good response in regards to my credit card application, they started giving me calls saying to get the credit card protection, which need to be avoided . I am satisfied with the credit limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 21, 2017
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      The credit card features are good with State Bank of India too. There is a decent credit limit and when ever I approach the bank, they are responsive and there are no issues while using the card. The charges are normal and in all it is a good experience.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 21, 2017
    • SBI Cards Credit Card
      "Very good card"
      0.5 5.0/5 "Blown Away!"
      I have been using this Card for the past Three Months and the experience with them has been good. They have given me a Credit Limit of Rs.50000. I have been making the repayment using the cheque as of now. I don't think the offers in card is not that much as of now.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 21, 2017
    • SBI Cards Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I got the credit card with State bank of India within 10days of time . The customer support gave good response in regards to my credit card application. The rate of interest and the charges are nominal with this card. I am satisfied with the credit limit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 21, 2017
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