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SBI Unnati Credit Card is a secured credit card issued against SBI fixed deposit worth a minimum of Rs 25,000. This secured credit card features reward benefits on every spend, cashback as milestone bonus, fuel charge waiver, contactless advantage and much more. Beneficial for those who are new-to-credit, have poor credit scores or who cannot avail credit cards due to inadequate income or location, this card can help build a good credit profile at low annual charges, if used mindfully. Moreover, you also earn the interest on the pledged SBI FD. Read on to know more about the features, benefits and fees associated with SBI Card Unnati.
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Key Highlights of SBI Unnati Credit Card |
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| Card Type | Secured Card backed by FD |
| Annual Fee | Rs. 499 from 5th year onwards |
| Rewards | 1 reward point per Rs. 100 spent |
| Min. FD Amount Required | Rs. 25,000 |
| Overall Rating | ★★(2.5/5) |
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The benefits offered by this SBI credit card are as follows:
SBI Unnati Credit Card is a secured credit card with a simple rewards structure. It can be the right choice for someone who is just starting their credit journey and wants a basic card to build their credit profile. The rewards program is accompanied by the milestone benefit in the form of cashback worth Rs. 500 which is offered at a very low spending limit which any card user can easily meet. The zero annual fee for the first 4 years is an added bonus for the users.
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| Fee Type | Amount |
| Joining Fee | Nil for the first 4 years |
| Annual Fee | Rs. 499 + applicable taxes from 5th year onwards |
| Finance Charges | 2.75% p.m. (33% p.a.) |
| Late Payment Fees | On outstanding balance of – Up to Rs. 500: Nil > Rs. 500 to Rs. 1,000: Rs. 400 > Rs. 1,000 to Rs. 10,000: Rs. 750 > Rs. 10,000 to Rs. 25,000: Rs. 950 > Rs. 25,000 to Rs. 50,000: Rs. 1,100 > Rs. 50,000: Rs. 1,300 |
Click here for the detailed fees and charges, along with terms and conditions applicable on SBI credit cards.
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What is the eligibility criteria to apply for SBI Unnati Credit Card?
You must have a fixed deposit of Rs. 25,000 or more to be eligible to apply for SBI Unnati Credit Card.
How can I apply for SBI Unnati Credit Card?
To apply for SBI Unnati credit card, you can visit the SBI Card’s website or go to its nearest branch.
What is the annual fee for SBI Unnati Credit Card?
There is no annual fee for this card for the first 4 years. However, from 5th year onwards, customers have to pay the renewal fee of Rs. 499.
Can I earn cashback by using SBI Unnati Credit Card?
Even though SBI Unnati is a rewards credit card, it still offers cashback to its users in the form of milestone benefit. The cardholders can get Rs. 500 cashback every year on spending at least Rs. 50,000.
Is SBI Unnati a RuPay credit card?
No, SBI Unnati is not a RuPay card and hence cannot be used for UPI transactions. This card is only offered on Visa and Mastercard networks.
Is SBI Unnati Card only available against a Fixed Deposit (FD)?
Yes, SBI Unnati Credit Card is issued only against a fixed deposit, making it a secured credit card. This makes it suitable for individuals who are new to credit or have a low credit score.
What is the minimum FD amount required to apply for this card?
You need to maintain a fixed deposit of at least Rs. 25,000 with SBI to be eligible for Unnati Credit Card. Also, keep in mind that higher FDs may allow you to get a higher credit limit.
What is the credit limit for SBI Unnati Card?
The credit limit on SBI Unnati Card is usually up to 80% of the linked fixed deposit amount. For example, an FD of Rs. 50,000 can get you a limit of around Rs. 40,000.
Does SBI Unnati Credit Card provide complimentary airport lounge access?
No, SBI Unnati Card does not offer complimentary airport lounge access. It is an entry-level secured card with basic features & benefits.
What are the disadvantages of SBI Unnati credit card?
The card lacks premium benefits like travel perks, lounge access, or high reward points. It is mainly beneficial for building credit history rather than for heavy rewards or lifestyle benefits.