SBI Unnati Credit Card is a secured credit card issued against SBI fixed deposit with a minimum amount of Rs 25,000. This secured credit card features attractive milestone rewards, fuel charge waiver, cashback benefits, contactless advantage and much more. As with other secured credit cards, SBI Unnati Credit Card is beneficial for those who are new to credit or have poor credit scores or who cannot avail credit cards due to inadequate income or location. The pledged SBI FD would continue to earn interest for you. The card also comes with annual fee waiver for first 4 years.
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SBI Unnati Credit Card Highlights |
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| Card Type | Secured Credit Card (Backed by FD) |
| Minimum FD | Rs 25,000 |
| Rewards | Earn 1 reward on every Rs 100 spend |
| Cashback Benefit | Cashback of Rs 500 if annual spends is Rs 50,000 or more |
| Annual Fee | NIL for the first 4 years; Rs 499 from 5th year onwards |
Last updated on 10 January 2025
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit SBI Card’s website.
SBI Card Unnati Rewards
- Cardholders can get 1 reward point on every Rs 100 spends
- The reward points can be redeemed against gifts from the Rewards Catalogue.
- Milestone Rewards – Rs 500 cashback on achieving annual spends of Rs 50,000. This milestone reward is applicable for all membership year.
- Balance Transfer, Encash, Flexipay, Cash Advance, and Fuel transactions are not included in Reward Points Program
SBI Card Unnati Offers
- Cardholders get a 1% surcharge waiver for each fuel transaction between Rs 500 and Rs 3,000 (exclusive of GST and all other charges)
- Maximum surcharge waiver is capped at Rs 100 per statement cycle, per credit card account
- SBI Card Offers on SBI Unnati: Attractive offers & discounts from top brands like Zomato, Xiaomi, Ajio, MakeMyTrip, Amazon, ClearTrip, Samsung, Yatra, and many more. SBI Card also offers special customised city-based offers to cardholders.
Fees & Charges of SBI Unnati Credit Card
| Fee/Charge | Amount |
| Annual Fee | Nil for the first 4 years |
| Renewal Fee | Rs. 499 (5th year onwards) |
| Add-on Fee | NIL |
| Finance Charges | 3.75% per month (45% p.a.) |
| Reward Redemption Fee | Rs 99 (on gifts, cash redemption, and specific vouchers only) |
| Cash Advance Fee | Transaction fee at domestic ATMs – 2.5% or Rs 500 whichever is higher
Transaction fee at international ATMs – 2.5% or Rs. 500, whichever is higher |
Late Payment Charges
| Outstanding Amount | Charges |
| Up to Rs 500 | NIL |
| Above Rs 500 to Rs 1,000 | Rs 400 |
| Above Rs 1,000 to Rs 10,000 | Rs 750 |
| Above Rs 10,000 to Rs 25,000 | Rs 950 |
| Above Rs 25,000 to Rs 50,000 | Rs 1,100 |
| Above Rs 50,000 | Rs 1,300 |
Other Features of SBI Unnati Credit Card
With over 24 million outlets globally including 3.25 lakhs outlets in India, SBI Unnati Credit Card comes with the following facilities:
Add-on Cards
Add-on cards are offered to parents, spouse, children or siblings above the age of 18
Balance Transfer on EMI
- Cardholders can transfer their outstanding credit card balances of other banks to their SBI Card Unnati, at lower interest rate and pay back in EMIs
- To avail this facility, cardholder can log on to sbicard.com with their user ID and password
Flexipay
- Flexipay facility allows users to convert their transactions into flexible monthly instalments
- Cardholder need to log in with their username and password to sbicard.com within 30 days of purchase to convert their purchases into Flexipay. (Minimum purchase: Rs. 2,500 using SBI Card Unnati)
Easy Money
Cardholders can get a draft/cheque against their cash limit through Easy Money facility and get it delivered to their doorsteps.
Utility Bill Payment Facility
Electricity, telephone, mobile, and other utility bill payments can be easily done on the SBI Unnati Credit Card through the Easy Bill Pay facility.
Cash on the Go
Cardholders can withdraw cash from over 1 million Visa or MasterCard ATMs globally
SBI Unnati Credit Card – FAQs
Q. How can I apply for SBI Unnati Credit Card?
To apply for this credit card, you can visit the SBI Card’s website or go to the nearest branch of SBI Bank.
Q. What is the annual fee for SBI Unnati Credit Card?
The annual fee of this card is Nil for the first four years. However, 5th year onwards, customers have to pay the renewal fee of Rs. 499.
Q. Is it important to have a fixed deposit in order to apply for this credit card?
Yes, you should have a fixed deposit of Rs. 25,000 or more before you apply for this credit card.
Q. Are there any reward points given on using this credit card?
Yes, SBI Unnati gives 1 reward point on every Rs. 100 spent. Though cash advance, balance transfer and fuel transactions are not included in this reward program.