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SBI Unnati Credit Card

Home State Bank of India SBI Unnati Credit Card
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Book SBM Bank FD @6.5%* p.a.

& Get a Lifetime Free Step Up Credit Card

  • Safe & Secure FD, Insured by RBI

  • No Savings A/c Required

  • FD Starts from Rs 2000

  • Card Limit = 90% of FD

*Rates are subject to change as per the bank's discretion.

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Updated: 18-09-2024 06:53:33 AM

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.

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 Unnati Credit Card Highlights
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

Earn 6.5% p.a. on your FD & Get a lifetime free Step Up Credit Card

  • Card limit is 90% of FD Amount

  • Instant Virtual Card

Apply Now
stepup 6.5%INTEREST ON FD

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

Also read: Top 10 SBI Credit Cards in India

 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.

Earn 6.5% p.a. on your FD & Get a lifetime free Step Up Credit Card

  • Card limit is 90% of FD Amount

  • Instant Virtual Card

Apply Now
stepup 6.5%INTEREST ON FD

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 2.75% per month (33% p.a.)
Reward Redemption Fee Rs 99 (on gifts, cash redemption, and specific vouchers only)

Suggested read: Best Credit Cards in India

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)
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Book an FD and Get Step Up Credit Card without credit score check Apply Now

 

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.

 

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