SBM Bank India (State Bank of Mauritius India)

Uni Pay 1/3rd Card

VisaBNPLLifetime freeDiscontinued
Lounge accessTravel insuranceDining benefitsFuel waiver
Free
1st year fee
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Fees
Annual feeINR 0 (Lifetime Free)
Joining feeINR 0
Interest rateNo revolving interest; late fee slab only
Late paymentUp to INR 250: NIL; INR 251–1K: INR 25; INR 1K–2.5K: INR 100; INR 2.5K–5K: INR 250; INR 5K–10K: INR 500; above INR 10K: INR 1,000+
Forex markupNot applicable (international transactions not allowed)
Cash advanceCash withdrawal not allowed
Eligibility
Credit scoreNo strict CIBIL requirement
Age range18+
Rewards & cashback
Cashback %1% cashback on full payment within 30 days; split into 3 interest-free installments
Travel & lounge
Lifestyle
Fuel surchargeAs charged by merchant (no specific waiver)
Credit limit & EMI
Insurance & protection
Digital & security
ContactlessNo
Virtual cardYes – digital card via Uni app
Read our guides
How Rewards WorkJoining Fee vs Annual Fee

Know your rights

Banks cannot send you a credit card you didn't apply for. If they do and bill you, they must reverse the charge AND pay you twice that amount as penalty, automatically, no questions asked.