• 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

• Daily purchases now made easy with SBI Card Unnati. Simply wave your card at a secure reader to transact
• Fast & convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases
• Security:  The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). Even if the card is waved multiple times at the reader, the unique security key feature of Visa payWave will ensure that only one transaction goes through, thus making it more secure
• Please click here to download the FAQ’s
• Please click here to download the list of Merchants enabled for transactions.

• 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

• Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe

• Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your card
• Click here to know more

• 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
• Log on to sbicard.com with your user ID and password to take benefit of this service
• Click here to know more about Balance Transfer on EMI

• 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
• Click here to learn how to apply for Flexipay

• Annual Fee (First 4 years): Nil
• Renewal Fee (5th year onwards): Rs 499
• Add-on Fee (per annum): Nil

• For information regarding fees and other applicable charges, please refer to the Most Important Terms & Conditions

All payments made for a cardholder account will be settled in the order as mentioned in below link

Order of Payment Settlement

• Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
• All taxes would be charged as applicable on all the above Fees, Interest & Charges.

Your continued use of the card will be deemed acceptance of these amendments.

For assistance, please call SBI Card helpline at:

Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

All information in this communication is correct as per July 2018 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com