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CREDIT CARD DETAIL SBI UBI Gold Card Card Highlights Card Class Standard Card Type Partnership Issuer State Bank of India Offered Type Visa Rewards Main Features Flexipay Shop & Smile Rewards International Markup Wavier Triple Advantage Rewards Enhanced Purchasing Power Travel Benefit IAPA Membership Mega Value Offers  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 3 month Interest Rate 3.1% per month Min.: Rs 5000 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 Foreign Currency Transaction Charges Spend freely overseas, wherever you go. Pay no transaction fee Service Tax Service Tax: 5% on Prescribed Fees, Interest and Other Charges  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. 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. For more info. Click Here  Hotel   Hotel: 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  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 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. Insurance: Air Accident Accident cover for prime cardholder is of Rs 30,00000 Other Accident Other accident cover is of Rs 200000 Purchase Protection Get insurance of up to Rs 50000 on purchases with your card like refrigerators, televisions, washing machines and personal items such as watches, jewellery, etc. against theft/burglary and fire within your residence premises, for 90 days from the date of purchase Hospitalization Benefits No  Special Offers   Special Offers Home Rewards Voucher Rewards Healthcare Rewards Fun & Education Rewards Lifestyle Rewards Charity Rewards Shop Terms & Conditions  Eligibility Criteria   Eligibility Criteria Salaried: Gross Income>= Rs.2,25,000 pa Gross Income >= Rs.1,50,000 pa Gross Income >= Rs.2,25,000 pa Pub. Ltd/MNC/Govt. Latest IT Return OR Form 16 OR Salary slip Pvt. Ltd Latest IT Return OR Copy of bank statement/Updated passbook, showing transactions for the last 6 months Self Employed: Gross Income >= Rs.1,50,000 pa Latest Personal IT Returns AND Copy of bank statement/Updated passbook, showing transactions for the last 6 months Retired/Pensioners: Gross Income >= Rs.2,25,000 pa Latest personal IT Returns OR Pension Certificate OR Copy of bank statement/ Updated passbook, showing last 3 pension credits  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 and 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. Standard Chartered Bank State Bank of India Syndicate Bank Union Bank of India Vijaya Bank COMPARE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   CALCULATE QUICKLY  Select a product: Credit Cards Car Loans Home Loans Personal Loan Fixed Deposits Savings Accounts Education Loans   EDITORS' PICKS Getting the best rates on your personal... Fixed Deposits: Safest instrument to invest Manage your loans, avoid recovery agents BPLR or Base rate?? Which is better…? How to Invest to Save?