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SBI Unnati Credit CardApply Now |
SBI Shaurya Select Credit CardApply Now |
SBI SimplyCLICK Credit CardApply Now |
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Joining Fee Nil | Joining Fee Nil | Joining Fee Rs. 499 + GST | |
Rewards and Benefits |
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Welcome Benefits NA | Welcome Benefits NA | Welcome Benefits Amazon Gift Card Worth Rs. 500 | |
Rewards Rate 1 reward point per Rs 100 you spend | Rewards Rate 2 Reward Points on every spend of Rs. 100, 5x Reward Points on dining, groceries, departmental stores, and movies. | Rewards Rate Get 10X Reward Points on partner brands (e.g. BookMyShow, Apollo 24/7), 5X Reward Points on online purchases, and 1 Reward Point for every Rs. 100 spent on other purchases. | |
Movie & Dining NA | Movie & Dining NA | Movie & Dining N/A | |
Reward Redemption 1 RP = Rs 0.25 on redemption against a host of gifts and benefits at the SBI Card rewards catalog. | Reward Redemption The Reward Points can be redeemed against the card's outstanding balance and various other options. 1 Reward Point = Re. 0.25. | Reward Redemption Reward Points can be redeemed for gift vouchers on sbicard.com or via the SBI mobile app, as well as for paying the card’s outstanding balance, 1 RP = Rs. 0.25 | |
Travel NA | Travel NA | Travel N/A | |
Golf NA | Golf NA | Golf N/A | |
Domestic Lounge NA | Domestic Lounge NA | Domestic Lounge N/A | |
International Lounge NA | International Lounge NA | International Lounge N/A | |
Insurance Benefits NA | Insurance Benefits Complimentary insurance cover worth Rs. 10 lakhs against personal accident. | Insurance Benefits N/A | |
Zero Liability Protection NA | Zero Liability Protection The cardholder will not be liable for any fraudulent transactions made against a lost/stolen card if the card is reported lost to the bank in a timely manner. | Zero Liability Protection The cardholders get a zero liability protection against a lost/stolen card if the loss is informed to the bank officials timely. | |
Fees & Charges |
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Renewal Fee Nil | Renewal Fee Rs. 1,499 + GST | Renewal Fee Rs. 499 + GST | |
Spend Based Waiver NA | Spend Based Waiver The renewal fee is waived off on spending Rs. 1,50,000 or more in the previous year. | Spend Based Waiver Renewal fee waiver on annual spend of Rs. 1 lakh | |
Rewards Redemption Fee Rs 99 per redemption request | Rewards Redemption Fee Rs. 99 on every redemption request | Rewards Redemption Fee Rs. 99 (plus taxes) on each redemption request | |
Foreign Currency Markup 3.5% on the conversion amount | Foreign Currency Markup 3.5% on all foreign currency spends. | Foreign Currency Markup 3.5% of the total transaction amount | |
Interest Rates 3.5% per month ( 42% per annum) | Interest Rates 2.75% p.m. (33% annually) | Interest Rates 3.5% per month or 42% annualized | |
Fuel Surcharge 1% surcharge waiver on all fuel purchases using the SBI Unnati credit card | Fuel Surcharge 1% fuel surcharge waiver on all fuel transactions between Rs. 500 and Rs. 4,000. | Fuel Surcharge 1% fuel surcharge waived on fuel transactions from Rs. 500 to Rs. 3,000 (max waiver capped at Rs. 100 per month) | |
Cash Advance Charges 2.5% on the amount withdrawn subject to a minimum charge of Rs. 500 | Cash Advance Charges 2.5% of the withdrawn amount or a minimum of Rs. 500. | Cash Advance Charges 2.5% of the withdrawal amount or a minimum fee of Rs. 500 | |
Add-on Card Fee Nil | Add-on Card Fee Nil | Add-on Card Fee Nil | |
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