SBI UBI card : State Bank of India : Rupee Times

CREDIT CARD DETAIL

SBI UBI card

Card Highlights

Card Class	Standard
Card Type	Partnership
Issuer	State Bank of India
Offered Type	Visa
Rewards

Main Features

Cash on the go Utility Bill Payment Facility Flexipay Teledraft Facility(Easy Money Draft) Book your railway tickets online SBI Card Alerts SBI Card PayCash

Credit Card Rates

Purchases:

Intro Interest Rate	0% per month
Introductory Period	0 month
Interest Rate	3.1% per month

Balance Transfers:

Intro Interest Rate	0% per month
Introductory Period	6 month
Interest Rate	0.99% per month (The amount transferred should be a minimum of Rs 5,000 and upto a maximum of 75% of your available credit limit on the SBI Credit Card, whichever is higher. You could chose between two different plans to pay back your balance. Plan 1 offers 0% interest for 90 days. Plan 2 offers 0.99% interest for the first 6 months. Processing Fee would be charged as applicable.}

Fees & charges

Joining Fee	Upto: Rs. 1500/-
Annual Fee	Upto: Rs. 1500/-
Add On Card Fee	Up to Rs: 500/-
Cash Advance Transaction Fee	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	Upto 2.99% per month (35.88% per annum) from the transaction date, Upto 3.10% per month (37.2% per annum) 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	Your card carries a Zero lost card liability. This protects you against misuse of your card from the time you report the loss
Over Limit Charges	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. 300 & Max. Rs. 500
Return of Cheque Fee	2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500)
Invalid Cheque Fee	2% of Cheque Amount (Min. Rs. 300 & Max. Rs. 500)
Outstation Cheque Processing Fee	Rs 75
Dial a Draft Fee	Min.: Rs 199
Duplicate Statement Request Charges	Rs 75
Replacement Card Charges	Rs 100
Charge Slip Request	Rs. 125 per chargeslip
Air/Railway Booking Comment	Rs. 30 + 2.5% of Transaction amount
Fuel Surcharge	2.5%
Service Tax	12.36%

Rewards & Benefits

Services & Features

General Features:

Photo Option	No
Add On Card	Yes
Internet Web Based Access	Yes
Coverage	International
Concierge Service	No
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
No. of ATMs (Global)	1 million VISA ATMs
No. of ATMs (India)	18,000 ATMs in India.

Insurance:

Hospitalization Benefits

Special Offers

Eligibility Criteria

Salaried

Self Employed

Retired Pensioners

Terms & Conditions

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