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SBI Unnati Credit Card

Home State Bank of India SBI Unnati Credit Card
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Earn Upto 8%* Interest on FD

& 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 = FD Amount

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

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FREE Step Up Credit Card

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Updated: 30-01-2023 05:19:09 AM

SBI Unnati Credit Card is a secured credit card best suited for shopaholics. This card is issued against a minimum fixed deposit of Rs. 25,000 and comes with no annual fee for the first 4 years. Read more to know about the unique features and benefits of this card in detail:

Key Highlights of SBI Unnati Credit Card

  • Annual Fee: Nil for the first 4 years
  • Renewal Fee: Rs. 499
  • Reward Points: 1 reward point for every Rs. 100 spent
  • Milestone Rewards: Rs. 500 cashback within 15 days of achieving annual spending limit

Also read: Top 10 SBI Credit Cards in India

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.

Earn 7.30% p.a. on your FD & Get a lifetime free Step Up Credit Card

  • Card limit is 100% of FD Amount

  • Instant Virtual Card

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7.30%INTEREST ON FD
On this page

SBI Unnati Credit Card: Features & Benefits
SBI Unnati Credit Card: Fees and Charges
SBI Unnati Credit Card: Eligibility and Documentation
How to Apply for SBI Unnati Credit Card?
SBI Unnati Credit Card FAQs

SBI Unnati Credit Card: Features & Benefits

The features and benefits of this card are as follows:

  • Zero Fee Card: There is no annual fee associated with the card for the first four years. However, from the 5th year onwards, an annual fee of Rs. 499 will be levied.
  • Reward Points: 1 reward point for every Rs. 100 spent. Use your credit card reward points to redeem against a wide variety of gifts from the Rewards Catalogue.
  • Milestone Rewards: Rs. 500 cashback within 15 days of achieving annual spend of Rs. 50,000 or more.
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000.
  • Secured Credit Card: The card is issued with a lien on a fixed deposit with the bank of Rs. 25,000 or more.
  • Worldwide Acceptance: SBI Card Unnati is accepted over 24 million outlets across the globe, including 3,25,000 outlets in India.
  • Low Renewal Fee: After the initial fee-waiver period of 4 years, you can continue to avail the advantages of this card by renewing it for an annual fee of Rs. 499.

Looking for Higher FD rates? Book an FD @7.30% p.a. and get a lifetime free credit card

  • FDs of up to ₹5 lakhs insured by RBI

  • No hassle of opening a saving account

  • No documentation

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SBI Unnati Credit Card: Fees and Charges

Below mentioned are the fees and charges associated with SBI Unnati Credit Card:

Fee/ChargeAmount
Annual FeeNil for the first four years
Renewal FeeRs. 499 (5th year onwards)
Finance Charges3.75% per month (33% p.a.)
Late Payment FeeFor Statement Balance
Less than Rs. 500 – Nil
Rs. 500 up to Rs. 1,000 – Rs. 400
Rs. 1,000 up to Rs. 10,000 – Rs. 750
Rs. 10,000 up to Rs. 25,000 – Rs. 950
Rs. 25,000 up to Rs. 50,000 – Rs. 1,100
Amount over Rs. 50,000 – Rs. 1,300

SBI Unnati Credit Card: Eligibility and Documentation

Applicants should meet the following eligibility criteria in order to apply for this credit card:

  • Any person who has a minimum fixed deposit of Rs. 25,000 can apply
  • Applicant should be salaried or self-employed
  • Applicant should be a resident of India

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Documents Required: The following documents are required to be submitted:

Proof of IdentityPAN Card, Aadhaar Card, Voter ID Card, Passport, Driving License, Any other government-approved photo ID
Proof of AddressAadhaar Card, Passport, Utility Bills (not more than 3 months old), Any other government-approved ID
Proof of IncomeBank statement for the last 3 months, Salary slips for the last 3 months Audited financials for the last two years (for self-employed), Form 16

How to Apply for SBI Unnati Credit Card?

If you are keen to apply for this credit card offered by SBI, you can apply through the SBI Card’s website. Alternatively, you can also visit the nearest branch of SBI Bank.

Suggested read: Best Credit Cards in India

SBI Unnati Credit Card FAQs

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.

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.

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.

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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