| SBI UBI International Card |
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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
- Travel Insurance
- 24-Carat Concierge* : Personal, Auto and Medical Services
- 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 |
3.1% 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 |
Upto: Rs. 1500/- |
| Annual Fee |
Upto: Rs. 1500/- |
| Add On Card Fee |
Up to Rs: 500/- |
| 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 |
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) |
| 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 lost card liability of up to a maximum of Rs 1000. This protects you against misuse of your card from the time you report the loss |
| Over Limit Charges |
2% of Overlimit amount (Min Rs. 300, Max Rs. 500) |
| 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) |
| 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 |
Current Month - NIL Previous Months Rs. 15 per Statement |
| 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 |
12.36% |
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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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Airline
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Airline:
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| Loss of Checked Baggage Cover Upto |
Covers loss of checked-in baggage, by accident or theft while traveling to domestic or international destination, for up to Rs. 25,000. Indemnity per item will not exceed 25% of sum insured. Valuables / electronic items are not covered. The above coverage is subject to an excess of Rs. 500/- per claim. |
| Loss of Travel Documents |
Covers necessary expenses up to Rs.10,000/- for obtaining emergency travel documents in lieu of passport / visa, or a duplicate / new passport. |
| Hijacking Cover Upto |
Provides lump sum benefit at the rate of 5,000/- per day for maximum up to 7 days in case the airplane is hijacked within India or abroad. |
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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 |
No
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 Reservations
# Bookings for Special Event
# Restaurant Reservations
# Movie Tickets
# Arranging Luxury Articles
# Flower and Gift Delivery
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) |
24 million VISA outlets |
| No. of ATMs (India) |
110,000 VISA |
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Insurance:
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| Air Accident |
Free Personal Accident Cover(Valid only if fee is paid or card used within 45 days of issuance or renewal. Cover commences from 1st of month after use/payment) Accident cover is of Rs 600000 |
| Other Accident |
Free Personal Accident Cover(Valid only if fee is paid or card used within 45 days of issuance or renewal. Cover commences from 1st of month after use/payment) Other accident cover is of Rs 200000 |
| Purchase Protection |
Get insurance of up to Rs 15000 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 |
| 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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Salaried
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Salaried:
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| Annual Income |
Rs 225000.00 |
| 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 150000.00 |
| 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 225000.00 |
| 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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