SBI Unnati Credit Card

SBI Unnati Credit Card

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SBI Shaurya Select Credit Card

SBI Shaurya Select Credit Card

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SBI SimplyCLICK Credit Card

SBI SimplyCLICK Credit Card

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IRCTC SBI Platinum Credit Card

IRCTC SBI Platinum Credit Card

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Joining Fee

Nil

Joining Fee

Nil

Joining Fee

Rs. 499 (plus applicable taxes)

Joining Fee

Rs. 500 plus applicable taxes

Rewards and Benefits

Welcome Benefits

NA

Welcome Benefits

NA

Welcome Benefits

Get an Amazon e-voucher worth Rs. 500 as welcome benefits after paying the annual fees.

Welcome Benefits

Earn 350 activation bonus on a single transaction of Rs 500 or more within 45 days of the activation of the credit card. Earn Rs 100 cashback on ATM cash Withdrawal for the first time.

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

1 Reward Point every Rs. 100 spent on offline spends (reward rate is 0.25%), 10X RPs on online spends at partner merchants (BookMyShow, Apollo24x7, etc.) (reward rate is 2.5%), 5X RPs on other online spends (reward rate = 1.25%)

Rewards Rate

Earn up to 10% Value Back as Reward Points while you book Railway Tickets on IRCTC. Earn 1 Reward Point for every Rs 125 spent. 1 Reward Point= Re. 1

Movie & Dining

NA

Movie & Dining

NA

Movie & Dining

N/A

Movie & Dining

NA

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

Reward Redemption

Redeem your RPs against booking railway tickets on IRCTC ‘s Website.

Travel

NA

Travel

NA

Travel

N/A

Travel

Save 1% transactions charges on railway tickets booking on IRCTC’s website. Avail accommodation offers at more than 5000 hotels spread across 350 cities in India. Avail custom made packages from adventure, wildlife to leisure and pilgrimage across India from IRCTC Website.

Golf

NA

Golf

NA

Golf

N/A

Golf

NA

Domestic Lounge

NA

Domestic Lounge

NA

Domestic Lounge

N/A

Domestic Lounge

4 complimentary railway lounge access per year, maximum 1 per quarter

International Lounge

NA

International Lounge

NA

International Lounge

N/A

International Lounge

NA

Insurance Benefits

NA

Insurance Benefits

Complimentary insurance cover worth Rs. 10 lakhs against personal accident.

Insurance Benefits

N/A

Insurance Benefits

NA

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.

Zero Liability Protection

NA

Fees & Charges

Joining Fees

Nil

Joining Fees

Nil

Joining Fees

Rs. 499 + GST

Joining Fees

Rs 500 plus applicable taxes

Renewal Fee

Rs 499/-

Renewal Fee

Rs. 1,499

Renewal Fee

Rs. 499 + GST

Renewal Fee

Rs 300

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

Get a renewal fee waiver on achieving total annual spends of Rs. 1 lakh in previous year.

Spend Based Waiver

Nil

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

Rewards Redemption Fee

Rs 99

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

Foreign Currency Markup

3.5% of the total transaction value.

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

Interest Rates

3.5% per month or 42% per annum

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)

Fuel Surcharge

1% of Fuel Surcharge Waiver (Maximum waiver of Rs 100 per statement cycle) at all fuel stations across India.

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

Cash Advance Charges

2.5% of the total transaction amount (Minimum Rs. 500)

Add-on Card Fee

Nil

Add-on Card Fee

Nil

Add-on Card Fee

Nil

Add-on Card Fee

Nil

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