- Joining fee
Nil
- Annual fee
Nil
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
1 reward point per Rs 100 you spend
- Reward redemption
1 RP = Rs 0.25 on redemption against a host of gifts and benefits at the SBI Card rewards catalog.
Fees & charges
- Rewards redemption fee
Rs 99 per redemption request
- Foreign currency markup
3.5% on the conversion amount
- Interest rates
3.5% per month ( 42% per annum)
- Fuel surcharge waiver
1% surcharge waiver on all fuel purchases using the SBI Unnati credit card
- Cash advance charges
2.5% on the amount withdrawn subject to a minimum charge of Rs. 500
Product highlights
- No Annual Charges (For first four years)
- 1 Reward Point per Rs 100 you spend
- Rs 500 cashback on annual spending of Rs 50,000 within 15 days
- 1% surcharge waiver applicable on fuel transactions above Rs. 500 (below Rs. 4,000).
FAQs
Do I get charged an annual fee on my SBI Unnati credit card?
No, you are not charged with an annual fee on your SBI Unnati credit card for the first four years from the card issuance.
What is the fifth year renewal fee charged on the SBI Unnati credit card?
You get charged with a fifth-year renewal fee of Rs 500 using the SBI Unnati credit card
What is the interest-free period offered on SBI Unnati credit card?
You can enjoy an interest-free period of up to 20 to 50 days using your SBI Unnati credit card.
What Interest rate are charged on my SBI Unnati credit card?
You get charged with an interest rate of 3.50 per month ( 42% per annum) using the SBI Unnati credit card.