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   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   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   Rewards & Benefits Earn 1 power point on every Rs. 40/- spent on your SBI Gold Card. You also earn double power points on International Spends. These power points can be redeemed against superb benefits like fee savings, gift vouchers and an array of attractive gifts.  Services & Features   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 No  Special Offers   Special Offers Home Rewards Voucher Rewards Healthcare Rewards Fun & Education Rewards Lifestyle Rewards Charity Rewards Shop Terms & Conditions Bold & Beautiful Offer Note: offer valid from 1st Feb-31st May2008 Ferns & Petals Offer Grab-a-Polo Offer Note: 5th April-5th July 2008 Great Escapes exclusively with Taj Note: 1st Feb- 30th April 2008 Pizza Hut Price-less Note: 5th April-5th June 2008 Via SBI Card Travel Guru  Eligibility Criteria   Eligibility Criteria  Salaried   Salaried: 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  Self Employed   Self Employed: 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.  Retired Pensioners   Retired Pensioners: 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  Terms & Conditions   Terms & Conditions Most Important Terms & Conditions Show All Credit Cards CARDS BY ISSUERS ABN AMRO American Express Andhra Bank AXIS BANK Bank of Baroda Bank of India Bank of Maharashtra Barclays Canara Bank Central Bank of India Centurion Bank of Punjab Citi Bank Corporation Bank Deutsche Bank HDFC Bank HSBC Bank ICICI Bank Indian Bank Indian Overseas Bank Jammu & Kashmir Bank Kotak PNB Reliance Capital Ltd. 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