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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

  • Receive Rs  500 Cashback, within 15 days of achieving annual spends of Rs  50,000 or more
  • 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, Fees & Charges - 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
  • Contactless Advantage

      • Daily purchases now made easy with SBI Card Unnati. Simply wave your card at a secure reader to transact
      • Fast & convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases
      • Security:  The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). Even if the card is waved multiple times at the reader, the unique security key feature of Visa payWave will ensure that only one transaction goes through, thus making it more secure
      • Please click here to download the FAQ’s
      • Please click here to download the list of Merchants enabled for transactions.
  • 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 month’s outstanding balance is paid in full)
      • Finance Charges: 3.50% p.m. (42% p.a.) for unsecured cards; 2.5% p.m. (30% p.a) for secured cards and Shaurya Cards.
      • Minimum Amount Due: 5% of Total Outstanding (Min. Rs. 200) + all applicable taxes+ EMI (in case of EMI based products) + OVL amount (if any)
  • Cash Advance

      • Cash Advance Limit: Upto 80% of Credit Limit ( Max. 12K / day for Gold, Titanium & 15K / day for Platinum/Signature Cards)
      • Free Credit Period: Nil
      • Finance Charges: 3.50% p.m. (42% p.a.) for unsecured cards; 2.5% p.m. (30% p.a) for secured cards and Shaurya Cards from the date of withdrawal
  • Cash Advance Fee

      • SBI ATMs or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500
      • International ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 500
  • Other Charges

      Cash Payment Fee: Rs. 199

      Payment Dishonor Fee: 2% of Payment Amount (subject to a minimum of Rs. 500 )

      Statement Retrieval: Rs. 100 per Statement (>2 months old)

      Cheque Fee: Rs. 100

      Late Payment:

      • NIL for Total Amount due from Rs.0-Rs.500;
      • Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
      • Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
      • Rs. 950 for Total Amount due greater than Rs. 10,000 up to Rs. 25,000;
      • Rs. 1100 for Total Amount due greater than Rs. 25,000 & up to Rs. 50,000
      • Rs. 1300 for Total Amount due greater than Rs. 50,000

      Overlimit: 2.5% of Overlimit Amount (subject to minimum of Rs. 600)

      Card Replacement: Rs. 100 - Rs. 250

      Emergency Card Replacement(When Abroad): Actual cost ( subject to minimum of $175)

      Foreign Currency Transaction: Conversion mark up: 3.5% (For All Cards Except Elite & Aurum) 1.99%(For Elite & Aurum Cardholders Only)

      Dynamic & Static Conversion Transaction : Markup: 3.50% (For All Cards Except Elite & Aurum) 1.99%(For Elite & Aurum Cardholders Only)(Only for transactions greater than or equal to Rs. 1000)

      All transaction carried out in Indian Currency at an international location or at merchants which are located in India but registered overseas

      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 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.

  • Surcharge

      Railway Tickets - Railway Counters: Rs. 30 + 2.5% of transaction amount

      Railway Tickets(irctc.co.in ): 1% of transaction amount + all applicable taxes.

      Petrol & all products/services sold at petrol pumps:

      • 1% of transaction value. 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) for single transaction spends between Rs.500 and Rs.4,000 for Signature & Platinum Cards; Rs.500 and Rs.3,000 for all other cards.

      Payment of Customs duty: 2.25% of transaction amount (subject to minimum of Rs. 75)

      All taxes would be charged as applicable on all the above Fees, Interest & Charges.

      “Applicable Taxes” (for Statements issued on or after 1st July, 2017) means:

      • for the cardholders having State of residence in the records of SBI Card on the statement date as “Haryana” - Central Tax @ 9% and State Tax @ 9%
      • for the cardholders having State of residence in the records of SBI Card on the statement date as other than “Haryana” - Integrated Tax @ 18%
  • 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, Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

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

  • 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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