SBI Credit Card Unnati, Free for the First 4 years: Features

SBI Unnati Credit Card: – SBI Credit Card Unnati, Free for the First 4 years. As our nation progresses towards digital modes of payment, we bring to you the new SBI Card Unnati – your power to go cashless! So go ahead and enjoy the many benefits of your new card. SBI Card Unnati is free for the first 4 years Annual fee of Rs 499 will be charged from 5th year onwards. Here below we provide complete details for SBI Credit Card Unnati like = Reward Points on SBI Unnati Card, Fuel Charges, Balance Transfer on EMI, Flexipay, Easy Money, Charges of SBI Unnati Card etc…

Features of SBI Credit Card Unnati

Zero Fee Card –  SBI Card Unnati is free for first 4 years

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.

Milestone Rewards

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

Enjoy Complete Fuel Freedom

  • 2.5% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)

Other Important Features

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

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 with your user ID and password to take benefit of this service
  • Click here to know more about Balance Transfer on EMI


  • 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 within 30 days of purchase to convert it into 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 to book Easy Money

Fees & Charges


  • Annual Fee (First 4 years): Nil
  • Renewal Fee (5th year onwards): Rs 499
  • Add-on Fee (per annum): Nil
  • Official Link

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. 90
  • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 350
  • Statement retrieval: Rs. 100 per statement, which is two or more months old
  • Charge slip retrieval: Rs. 225 per charge slip
  • Late payment:
    • Nil for total amount due from Rs. 0 to Rs. 200
    • Rs. 100 for total amount due greater than Rs. 200 and up to Rs. 500
    • Rs. 400 for total amount due greater than Rs. 500 and up to Rs. 1,000
    • Rs. 500 for total amount due greater than Rs. 1,000 and up to Rs. 10,000
    • Rs. 750 for total amount due greater than Rs. 10,000
  • 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%
  • Rewards redemption fee: Rs. 99
  • Cash Payment fee: Rs. 100


  • Railway tickets through Railway counters: Rs. 30 + 2.5% of transaction amount
  • Railway tickets through : 1.8% of transaction amount + service charge, as applicable
  • Fuel and all products and services sold at petrol pumps: 2.5% 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. 2.5% of transaction amount (Min. 10) 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.

Contact Details for SBI Card helpline at:

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

If you have any query or suggestion regarding “SBI Credit Card Unnati” then please tell us via below comment box…

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