PM Svanidhi Credit Card
Union Bank of India PM Svanidhi Credit Card is a lifetime-free retail credit card facility for PM SVANidhi beneficiaries with UPI linkage, a five-year card validity, and restricted merchant-category usage.
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Union Bank of India
PM Svanidhi Credit Card
Top source-backed claims
Interest-free credit period of 20 to 50 days as per issuer policy.
Lifetime-free card with no enrolment, joining, activation, inactivity, or annual renewal charges.
No cash withdrawal through ATM or point-of-sale machine.
Fees and waiver
Joining Fee: Nil; Annual Fee: Nil; No penalty for due amount up to Rs 500; late payment charges apply above Rs 500 as per bank policy.; Other charges such as card replacement, duplicate card issuance, and hot listing apply as per bank policy.
Verify before applying
Check issuer terms for exclusions, caps, and updated eligibility before using any benefit claim.
Trust Snapshot
Source count: 1 · Review status: Reviewed · Last dataset refresh: 2 Jul 2026
Quick Decision Summary
This summary is generated from the current website fields to help you interpret the card faster.
What stands out
• No annual fee signal detected from the current dataset.
• Has richer rewards and benefits detail than sparse card records.
Good fit if you want
• People who want a no-fee card and a simpler starting point.
• Users comparing cashback or rewards-heavy cards.
Tradeoffs to verify
• This card has limited source coverage in the current dataset.
Application links do not guarantee approval. Affiliate links are labeled, and issuer terms should be verified before applying.
Fees & Key Facts
Joining fee: Rs. 0
Annual fee: Rs. 0
Quality score: 70 (Medium)
Sources used: 1
Joining Fee: Nil; Annual Fee: Nil; No penalty for due amount up to Rs 500; late payment charges apply above Rs 500 as per bank policy.; Other charges such as card replacement, duplicate card issuance, and hot listing apply as per bank policy.
Eligibility & Documentation
Restricted to eligible PM SVANidhi beneficiaries as per the official product page.
Documents required
Not available
Rewards
• Reward points are awarded in accordance with the bank policy.
Benefits
• Interest-free credit period of 20 to 50 days as per issuer policy.
• Lifetime-free card with no enrolment, joining, activation, inactivity, or annual renewal charges.
• No cash withdrawal through ATM or point-of-sale machine.
Features
• Operating credit limit is initially fixed at Rs 10,000 and may gradually increase to Rs 30,000 after satisfactory card usage.
• Card validity is five years from the date of issue.
• UPI linkage enables beneficiaries to make merchant payments using their credit card limit via UPI.
• ECS, NACH, or Auto Pay facility is available for full payable amount credit card bill payments.
• International and foreign exchange transactions are not allowed on this card.
• Merchant category restrictions apply as decided by the Ministry or card issuer.
• Revolving credit facility allows reuse of available credit within the approved limit after repayment.
• EMI facility may be available for minimum billed amounts of Rs 2,500 when requested before payment due date.
Lounge Access
Not available
Insurance
Not available
Pros
Not available
Cons
Not available
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