Debit, prepaid, forex & payment services

Micro Credit Card

RuPay business credit card for eligible micro enterprises, with ₹50,000–₹5 lakh limit, nil margin, up to 50-day interest-free period and security cover.

Product typeStand-alone business credit card for eligible Micro enterprises Annual feeNot published on the complete official Micro Credit Card page; no annual or renewal fee is stated.Issuance feeNot published on the complete official Micro Credit Card page; the page publishes the card limit, margin, interest-free period, security and application route but no issuance or joining-fee amount.

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✓ Manually checked 2 Sept 2026 · active

Offered byState Bank of India

India

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

PurposeWorking-capital requirement and business-related expenditure of micro enterprises; non-business and personal expenditure is not eligibleEffective 27 Jul 2026View source

Purpose: easier and faster credit access for working capital/business expenditure; non-business/personal expenditure shall not be eligible.

Source: Micro Credit Card — official product page
Page / section: Purpose
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Target groupUdyam-registered micro enterprises with Micro classification, short-term/ad hoc working-capital need and SBI government-sponsored-scheme financingEffective 27 Jul 2026View source

All Udyam registered micro enterprises with short-term/ad-hoc working capital; valid Micro classification and GSS beneficiary financed by Bank.

Source: Micro Credit Card — official product page
Page / section: Target Group
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Card networkRuPayEffective 27 Jul 2026View source

A RuPay based Credit Card shall be issued.

Source: Micro Credit Card — official product page
Page / section: Card Limit / Network
Accessed: 2 Sept 2026
Confidence: high

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Card limit₹50,000 minimum to ₹5 lakh maximumEffective 27 Jul 2026View source

Card Limit: Minimum Rs.50,000; Maximum Rs.5,00,000.

Source: Micro Credit Card — official product page
Page / section: Card Limit
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

FacilityOne stand-alone business credit card per micro enterpriseEffective 27 Jul 2026View source

Nature of Facility: Credit Card. One Stand-alone Business Credit Card per Micro Enterprise.

Source: Micro Credit Card — official product page
Page / section: Nature of Facility
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

MarginNilEffective 27 Jul 2026View source

Margin: NIL.

Source: Micro Credit Card — official product page
Page / section: Margin
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Interest-free periodUp to 50 days: 30 days for the transaction month plus 20 days to pay from bill generationEffective 27 Jul 2026View source

Maximum up to 50 days (30 days as transaction month and further 20 days for payment from date of bill generation).

Source: Micro Credit Card — official product page
Page / section: Interest Free Period
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

SecurityTo be covered under Credit Guarantee Fund Trust for Micro and Small Enterprises (CGTMSE)Effective 27 Jul 2026View source

Security: To be covered under .

Source: Micro Credit Card — official product page
Page / section: Security
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

EligibilityUdyam-registered Micro enterprise with valid Micro classification, short-term/ad hoc working-capital requirement and SBI government-sponsored-scheme financingEffective 27 Jul 2026View source

Target group conditions require valid Udyam Micro classification and GSS beneficiary financing by the Bank.

Source: Micro Credit Card — official product page
Page / section: Target Group
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Required documentsValid Udyam Registration Number/Certificate with Micro classification and evidence of SBI government-sponsored-scheme financing; no separate checklist is publishedEffective 27 Jul 2026View source

The page names the valid Udyam certificate and GSS beneficiary condition but publishes no separate document checklist.

Source: Micro Credit Card — official product page
Page / section: Target Group / Complete page review
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Product typeStand-alone business credit card for eligible Micro enterprisesEffective 27 Jul 2026View source

Nature of Facility: Credit Card. One Stand-alone Business Credit Card per Micro Enterprise.

Source: Micro Credit Card — official product page
Page / section: Complete page review — Nature of Facility
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Issuance feeNot published on the complete official Micro Credit Card page; the page publishes the card limit, margin, interest-free period, security and application route but no issuance or joining-fee amount.Effective 27 Jul 2026View source

No issuance, joining or setup-fee figure is stated anywhere on the reviewed page.

Source: Micro Credit Card — official product page
Page / section: Complete page review — Fees / Nature of Facility
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Annual feeNot published on the complete official Micro Credit Card page; no annual or renewal fee is stated.Effective 27 Jul 2026View source

The page does not publish an annual, renewal or membership-fee amount for this card.

Source: Micro Credit Card — official product page
Page / section: Complete page review — Fees / Nature of Facility
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Transaction limitsNot published as a separate transaction or cash-withdrawal limit on the complete official page; only the overall card-limit band of ₹50,000 to ₹5 lakh is stated.Effective 27 Jul 2026View source

The page publishes minimum and maximum card limits but no separate per-transaction, cash or daily limit.

Source: Micro Credit Card — official product page
Page / section: Complete page review — Card Limit / Usage
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Foreign-exchange markupNot published on the complete official Micro Credit Card page; the reviewed page contains no foreign-currency or forex-markup rate.Effective 27 Jul 2026View source

No foreign-currency usage or forex-markup percentage is stated on the page.

Source: Micro Credit Card — official product page
Page / section: Complete page review — Charges / Usage
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

AvailabilityIndia — offered through SBI home branches and the JanSamarth government-schemes routeEffective 27 Jul 2026View source

The page directs applicants to their home branch or the JanSamarth portal; is an India-wide issuer.

Source: Micro Credit Card — official product page
Page / section: Complete page review — Application route
Accessed: 2 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

RuPay-based stand-alone business credit card
₹50,000 minimum to ₹5 lakh maximum
Up to 50-day interest-free period
Nil margin; cover

Eligibility

Micro enterprise must have a valid Udyam registration certificate with Micro classification, a short-term/ad hoc working-capital need and government-sponsored-scheme financing.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

Valid Udyam Registration Number/Certificate with Micro classification and evidence of government-sponsored-scheme financing; no separate checklist is published.

Related official documents

Micro Credit Card — official SBI product pageofficial-product-page · current · accessed 2 Sept 2026

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Item

Purpose · Published termMicro-enterprise working capital and business expenditure; personal use excluded

This value is copied from Micro Credit Card — published terms. Check the table notes before relying on it.

Source: Micro Credit Card — official product page · Purpose, Target Group and Terms Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 9 rows · 2 columnsMicro Credit Card — published termsTerms published on SBI's official Micro Credit Card page.View tableHide table

Scroll sideways to view every column

Micro Credit Card — published terms
Item	Published term
Purpose	Micro-enterprise working capital and business expenditure; personal use excluded
Target group	Udyam-registered Micro enterprises, GSS-financed by
Network	RuPay
Facility	One stand-alone business credit card per micro enterprise
Card limit	₹50,000–₹5 lakh
Margin	Nil
Interest-free period	Up to 50 days (30-day transaction month + 20 days from bill generation)
Security	cover
Application	Home branch or JanSamarth government-schemes portal

Last updated on the page: 27 July 2026.

Micro Credit Card — official product page · Purpose, Target Group and Terms · accessed 2 Sept 2026Open official source ↗

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