SBI Card Unnati

• • Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
• • Redemption fee: ₹99

Get Rs. 500 Cashback on annual spends of Rs. 50,000

Joining fee

Nil for first 4 years

Annual / renewal fee

₹499 + taxes from fifth year onwards

Annual fee waiver

Annual fee of ₹499 is waived off for first 4 years

Interest rate

Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25

Interest-free period

50 days

Cash advance fee

2.5% of transaction amount (subject to a minimum of ₹500)

Overlimit fee

2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.

Payment dishonour

In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500

Forex markup

3.5% on all foreign currency transactions

DCC markup

3.50%

Reward redemption

₹99 per redemption

Fuel surcharge

1% waiver, on ₹500–₹3000 txns, max ₹100/cycle

Age

18+ years

• What is Annual Fee and Renewal Fee of the card?
• Can I use my card internationally?
• How can I apply for the card?