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| Card Highlights |
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| Card Class |
Standard |
| Card Type |
Partnership |
| Issuer |
State Bank of India |
| Offered Type |
Visa |
| Rewards |
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Main Features
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- Flexipay
- Interest Rate as Low as 1.75%
- 24-Carat Concierge* : Personal, Auto and Medical Services
- Personal Concierge Services-Golf Course Referral and Reservation Assistance, Car Rental and Limousine Referral and Reservation Assistance, Hotel Referral and Reservation Assistance, Special Events and Performance Assistance, Dining Referral and Reservation Assistance
- Enhanced Purchasing Power
- Travel Benefit
- IAPA Membership
Teledraft Facility
- Mega Value Offers
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 Credit Card Rates
Credit Card Rates
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| Purchases: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
0 month |
| Interest Rate |
1.75% per month |
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| Balance Transfers: |
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| Intro Interest Rate |
0% per month |
| Introductory Period |
6 month |
| Interest Rate |
1.75% per month
Min.: Rs 5000 per month (To avail this facility, the amount transferred should be a minimum of Rs. 5,000 and a maximum of 75% of your available credit limit on your card, whichever is lower.* this is valid for the first 6 months only. After which the usual rate upto 2.95% p.m. will be levied.} |
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Fees & charges
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Fees & charges
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| Joining Fee |
Rs. 250 (One time only) |
| Annual Fee |
Upto: Rs. 1500/- |
| Add On Card Fee |
Rs. 750 p.a. |
| Cash Advance Limit |
Upto 80% of Credit Limit (subject to a max. of 12K per day, 15K per day for Gold Cards) |
| Finance charges on cash advances /extended credit |
Up to 2.95% per month from the Transaction date |
| Late Payment |
30% of Minimum Amount Due (Min. Rs. 350 & Max. Rs. 600)
Finance Charge on Late Payment : 2.75% per month |
| Free Credit Period |
Min.: 15 days Max.: 50 days |
| Minimum Amount Due |
5% of outstanding balance or Rs. 200, whichever is higher |
| Limited Lost Card Liability |
Emergency Cash Disbursement US $175 per disbursement
Miscellaneous Customer Service Enquires US $5 per call |
| Over Limit Charges |
2.5% of Overlimit Amount (Min. Rs. 300 & Max. Rs. 500),2.5% of Overlimit Amount or Rs 500 whichever is high |
| Cheque Pickup Fee |
Rs 55 |
| Cheque Bounce Fee |
2% of cheque amount (Min Rs 250, Max Rs 500) 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500 |
| Return of Cheque Fee |
2% of cheque amount (Min Rs 250, Max Rs 500) 2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500 |
| Invalid Cheque Fee |
2% of Cheque Amount (Min. Rs. 250 & Max. Rs. 500),2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500 |
| Outstation Cheque Processing Fee |
Rs 75 |
| Non-Bank ATM Access / Balance Enquiry Charges |
SBI ATMs & SBI Card CashPoints 2.5% or Rs. 200 whichever is higher
Other Domestic ATMs 2.5% or Rs. 250 whichever is higher
International ATMs 3.0% or Rs. 250 whichever is higher
ATM Decline Fee *** Rs. 20 |
| Dial a Draft Fee |
Min.: Rs 199 |
| Duplicate Statement Request Charges |
Rs 75 |
| Replacement Card Charges |
Rs 100 |
| Emergency Replacement(when overseas) |
Subject to actual cost (Minimum US $175) |
| Charge Slip Request |
Rs. 125 per chargeslip |
| Air/Railway Booking Comment |
Rs. 30 + 2.5% of Transaction amount |
| Foreign Currency Transaction Charges |
3.5% |
| Service Tax |
Service Tax : 5% on Prescribed Fees, Interest and Other Charges |
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Rewards & Benefits
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Rewards & Benefits
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| A special rewards program earns you one reward point on every Rs. 125 that you spend on your card. Enjoy the Triple Advantage of redeeming these reward points against fee waivers, attractive gifts for you and your family and a host of discounts on leading brands and lots more! So go ahead, spend on your card and enjoy the Triple Advantage. |
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Hotel
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Hotel:
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| Booking Discount |
Yes |
| Description (Booking Discount) |
The IAPA membership entitles you to savings of up to 50% at more than 17,000 hotels throughout the world |
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Services & Features
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Services & Features
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General Features:
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| Photo Option |
No |
| Add On Card |
Yes |
| Internet Web Based Access |
Yes |
| Coverage |
International |
| Concierge Service |
Yes
Personal, Auto & Medical assistance is only a phone call away, no matter where you are in India.
Personal Concierge
# Car Rental and Limousine Booking
# Hotel Referral and Reservation Assistance
# Special Events and Performance Assistance
# Dining Referral and Reservation Assistance
Auto Concierge
'Help on the Road' in Delhi, Mumbai, Chennai, Kolkata, Bangalore and Hyderabad Roadside Repair Service
# Emergency Fuel Supply
# Flat Tire Services
# Keys Locked Inside
# Battery Service
# Emergency Towing Assistance
Medical SOS
# Emergency and Routine Medical Advice from a Coordinating Doctor
# Doctors, Hospitals & ambulance contacts at your disposal
# Appointment confirmations & accommodation arrangements
# Access to Doctors on call 24 by 7
# Emergency Message to family & employer in an emergency
# Medical Expense Payment for Out Patient & In-Patient bills
# Medical Evacuation, Aid on way to the nearest hospital
# Necessary arrangements for transportation, cremation if required
*All services are being provided by International SOS and are governed by their terms and conditions available at www.internationalsos.com. |
| Invitation to Special Events |
No |
| Road Assistance |
No |
| Forex & Travel Cheque Services |
No |
| Access to 24-Hour Customer Care Centre |
Yes |
| Personal Loan Facility |
No |
| EMI on Call Facility |
No |
| Dial a Draft Facility |
Yes |
| Rewards Programme |
Yes |
| Global Emergency Assistance Service |
Yes |
| Car Rental Discount |
With your card you will get an AWD (AVIS Worldwide Discount) number which will entitle you to discounts in Europe and USA (25%), Africa, Middle East, Asia, Canada and Latin America (15%), India (15% on chauffeur-driven and 20% on self-driven cars). It will also offer you great deals and discount up to 30% on car rental services in Europe and USA, Africa, Middle East, Asia, Canada, Latin America and India
The IAPA membership entitles you to savings of up to 30% savings on car rentals. |
| No. of ATMs (Global) |
30 million VISA outlets |
| No. of ATMs (India) |
110,000 VISA |
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Insurance:
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| Hospitalization Benefits |
No |
| Credit Shield |
Protects the outstanding on your card, for a maximum of Rs. 1 lac, in the event of Death or Disability (due to any cause)...for a premium as low as 0.1% (i.e. Re.1 for every Rs. 1,000) of the outstanding on your card. All this at a nominal Administration charge of Rs. 18 pm, which gives you hassle free automatic renewals every month! |
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Special Offers
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Special Offers |
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Eligibility Criteria
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Eligibility Criteria
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| Fixed Deposit or plan to open a fresh Fixed Deposit for amount greater than Rs 20,000/-. The Branch Manager will then assist you in filling up the UBI Advantage Card Application form along with the Authorisation letter. Thats all, you are then eligible to get your UBI Advantage Card without submitting any income proof! |
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Salaried
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Salaried:
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| Annual Income |
Rs |
| Age |
Min.: Yrs. Max.: Yrs. |
| Documents Required |
If Income > Rs.1,20,000 pa
Latest IT return OR
Latest Form 16 OR
Latest salary slip
If Income < Rs.1,20,000 pa
Latest IT return OR
Latest Form 16 OR
Latest salary slip AND Copy of bank statement/Updated passbook, showing transactions for the last 6 months |
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Self Employed
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Self Employed:
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| Annual Income |
Rs |
| Age |
Min.: Yrs. Max.: Yrs. |
| Documents Required |
Latest Personal IT return AND
Copy of bank statement/Updated passbook, showing transactions for the last 6 months. |
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Retired Pensioners
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Retired Pensioners:
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| Annual Income |
Rs |
| Age |
Min.: Yrs. Max.: Yrs. |
| Documents Required |
Latest pension certificate OR
Latest Personal IT return OR
Copy of bank statement/updated passbook, showing last 3 pension credits |
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Terms & Conditions
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Terms & Conditions |
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