SBI Unnati Credit Card first four year free

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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

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

Easy Money
With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep

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. 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