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SBI Card Unnati

Apply Now for SBI Unnati Credit Card

To apply for SBI Card Unnati, visit the nearest SBI Branch.




Annual Fee: Rs. 499, waived off for first 4 years

Privileges on SBI Card Unnati

Know what you would be entitled to with this card

Zero Fee Card

Zero Fee Card

  • SBI Card Unnati is free for first 4 years
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Zero Fee Card
  • Annual fee of Rs 499, waived off for first 4 years
Rewards

Rewards on Spends

  • Get 1 Reward Point per Rs 100 spent
  • Use your Credit Card Reward Points to redeem against a wide array of gifts from the Rewards Catalogue.
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Rewards on Spends
  • Cash Advance, Balance Transfer, Encash, Flexipay and Fuel transactions are not included in Reward Points Program
Rs. 500 Gift Voucher

Milestone Rewards

  • Rs 500 cashback on spends of Rs 50,000 or more in a year
  • Applicable for all membership years
Fuel Freedom

Enjoy Complete Fuel Freedom

  • 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)
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Enjoy Complete Fuel Freedom
  • Maximum surcharge waiver of Rs 100 per statement cycle, per credit card account
Secured Card

Secured Card

  • The card is issued with a lien on Cardholder's fixed deposit with State Bank of India of Rs. 25,000 or more

Features of SBI Card Unnati

Know everything about SBI Card Unnati

  • Worldwide Acceptance
      • You can use your SBI Card Unnati in over 24 million outlets across the globe, including 3,25,000 outlets in India
      • Use your card to make payments at any outlet that accepts Visa or MasterCard
  • Add-on Cards
      • With SBI Card Unnati, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18
  • Cash on the Go
      • Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe
  • Utility Bill Payment Facility
      • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your card
      • Click here to know more
  • Balance Transfer on EMI
      • Save money while paying your credit card dues
      • Transfer the outstanding balance of other banks’ credit cards to your SBI Card Unnati, and avail a lower rate of interest and pay back in EMIs
      • Log on to sbicard.com with your user ID and password to take benefit of this service
      • Click here to know more about Balance Transfer on EMI
  • Flexipay
      • With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your SBI Card Unnati, and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay
      • Click here to learn how to apply for Flexipay
  • Easy Money
      • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
      • Log in with your username and password to sbicard.com to book Easy Money
  • Fees
      • Annual Fee (First 4 years): Nil
      • Renewal Fee (5th year onwards): Rs 499
      • Add-on Fee (per annum): Nil
  • Extended Credit
      • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous months’ outstanding balance is paid
      • Finance charges: Up to 2.50% per month, accounting to 30.0% per annum from the transaction
      • Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)
  • Cash Advance
      • Cash Advance Limit: Up to 80% of credit limit, with a maximum of Rs. 12,000 per day
      • Free Credit Period: Nil
      • Finance charges : Up to 2.50% per month, accounting to 30.0% per annum from the date of withdrawal
  • Cash Advance Fee
      • SBI ATMs or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 300
      • International ATMs: 3% of transaction amount, subject to a minimum of Rs. 300
  • Other Charges
      • Cheque pick up: Rs. 100
      • Cheque Fee: Rs. 100 (Payments made via cheque upto Rs. 10,000)
      • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 450
      • Statement retrieval: Rs. 100 per statement, which is two or more months old
      • Late payment:
        • NIL for Total Amount due from Rs.0-Rs.200;
        • Rs. 100 for Total Amount due greater than Rs. 200 & up to Rs. 500;
        • Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
        • Rs. 600 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
        • Rs. 800 for Total Amount due greater than Rs. 10,000 & up to Rs. 25,000;
        • Rs. 950 for Total Amount due greater than Rs. 25,000
      • Overlimit: 2.5% of overlimit amount subject to a minimum of Rs. 500
      • Card replacement: Rs. 100
      • Emergency card replacement, when abroad: Actual cost, with a minimum of $175
      • Foreign currency transaction: Conversion mark up - 3.5%
      • Dynamic Currency Conversion: Markup Fee: 3.50% (For All Cards Except Elite) 1.99%(For Elite Cardholders Only) (Only for transactions greater than or equal to Rs. 1,000)
      • Rewards redemption fee: Rs. 99
      • Priority Pass Lounge Charges : All Airport Lounge visits within India through the Priority Pass Program will be charged with an 19 usage fee of $27 per visit + applicable taxes. All Airport Lounge visits outside India through the Priority Pass Program, after exhausting the complimentary visits, will be charged with an usage fee of $27 per visit + applicable taxes. For more details, please visit sbicard.com All guests being accompanied by the SBI Cardholder having the Priority Pass, to visit the Airport Lounge will be charged with an usage fee of $27 per visit + applicable taxes.
      • Cash Payment fee: Rs. 100
  • Surcharge
      • Railway tickets through Railway counters: Rs. 30 + 2.5% of transaction amount
      • Railway tickets through irctc.co.in : 1.8% of transaction amount + service charge, as applicable
      • Fuel and all products and services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000, exclusive of applicable taxes, wherever applicable and all other charges. Maximum surcharge waiver of Rs. 100 per statement cycle, per credit card account.
        1% of transaction amount for transaction Amount Betweeen Rs. 500 to Rs. 3,000
  • Order of Payment Settlement

      All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, and Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

  • Things to know
      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • All taxes would be charged as applicable on all the above Fees, Interest & Charges.

      Your continued use of the card will be deemed acceptance of these amendments.

      For assistance, please call SBI Card helpline at:

      Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

      All information in this communication is correct as per July 2018 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com

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