एसबीआई रुपे क्लासिक कार्ड (जन धन योजना)
जारीकर्ता बैंक / संस्था: National Payments Corporation of India (RuPay)
Financial inclusion RuPay card issued under PMJDY with ₹2 Lakh accidental insurance cover, ₹0 fee forever, and subsidized overdraft facility.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
SBI RuPay Classic Card is India's sovereign financial inclusion payment card issued in conjunction with Pradhan Mantri Jan Dhan Yojana (PMJDY) Basic Savings Bank Deposit (BSBD) accounts. Built by the National Payments Corporation of India (NPCI), it ensures every Indian citizen has access to digital payments and comes with a built-in ₹2,00,000 accidental insurance cover at zero cost.
Zero joining fee, zero annual maintenance charge, and automatic non-contributory ₹2,00,000 accidental death/permanent disability insurance cover funded by NPCI (for cards issued after August 28, 2018).
No complimentary airport lounge access is included on this Jan Dhan financial inclusion card.
1% fuel surcharge waiver on transactions across all petrol pumps in India.
Overdraft facility of up to ₹10,000 sanctioned to eligible account holders after 6 months of satisfactory PMJDY account operation. Direct linkage to Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) and Pradhan Mantri Suraksha Bima Yojana (PMSBY).
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Any Indian citizen aged 10 years or older holding a Basic Savings Bank Deposit Account (BSBDA) or PMJDY account at any State Bank of India branch or Bank Mitra / Customer Service Point (CSP). Zero income proof or minimum balance required.
न्यूनतम वार्षिक आय आवश्यकता
₹0 (Zero income proof required; issued with PMJDY / Basic Savings Bank Account)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card or Form 60 (statutory) 2. Proof of Identity & Residence: Aadhaar Card (primary preferred document) OR Voter ID, NREGA Job Card, or Driving License 3. Two passport-sized photographs.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
To keep the ₹2 Lakh accidental insurance valid, the card must be swiped at least once every 90 days. Does not support international transactions. Overdraft facility (up to ₹10,000) requires branch manager discretion after 6 months of continuous account maintenance. No lounge access.
🚀आवेदन के चरण (How to Apply)
Step 1: Walk into any State Bank of India branch or authorized Customer Service Point (Bank Mitra CSP). Step 2: Request opening of a Pradhan Mantri Jan Dhan Yojana (PMJDY) basic savings account. Step 3: Submit simplified KYC documents (Aadhaar or Voter ID). Step 4: Complete biometric fingerprint e-KYC authentication. Step 5: Account is opened instantly with zero minimum balance requirement. Step 6: RuPay Classic Card is issued across the counter or delivered to applicant's village/residential address within 7 to 10 days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on SBI RuPay Classic Card (Jan Dhan Linked)?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil late payment penalty under government financial inclusion guidelines.. In addition, revolving finance charges at Statutory subsidized micro-overdraft rate (typically Base Rate / MCLR + 2.00% p.a., roughly 10.50% to 12.00% per annum), far below standard 42% commercial credit rates. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on SBI RuPay Classic Card (Jan Dhan Linked) into EMI?
Yes, National Payments Corporation of India (RuPay) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on SBI RuPay Classic Card (Jan Dhan Linked)?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into National Payments Corporation of India (RuPay)'s official mobile banking application or web portal. 1 Reward Point = ₹0.25 redeemable against utility bills or statement balance. Please note: Points valid for 24 months from the date of accrual.
What is the interest-free grace period on SBI RuPay Classic Card (Jan Dhan Linked) and how does it work?
The interest-free period on SBI RuPay Classic Card (Jan Dhan Linked) is Zero interest credit line for standard DBT transfers; up to 45 days for overdraft credit facility.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Statutory subsidized micro-overdraft rate (typically Base Rate / MCLR + 2.00% p.a., roughly 10.50% to 12.00% per annum), far below standard 42% commercial credit rates.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.