Apply Now
Whether you want to earn rewards or save more with discounts and deals, you will never fall short of Credit Card options. Paisabazaar is the right place to find the card that best fits your needs.
*Offers are from Paisabazaar's partner Banks & NBFCs.
SBI Unnati Credit Card is a secured credit card best suited for shopaholics. The 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 the card in detail.
| On this page |
Zero Fee Card- There is no annual fee associated with the card for the first four years. From 5th year onwards, 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- Get Rs.500 cashback within 15 days of achieving annual spends of Rs 50,000 or more.
Fuel Surcharge Waiver- 1% fuel surcharge waiver for each transaction between Rs.500 & Rs.3000.
Secured Credit Card- The card is issued with a lien on 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.
| Fee/Charge | Amount |
| Annual Fee | Nil for the first four years |
| Renewal Fee | 5th year onwards Rs.499 |
| Add-on Fee (per annum) | Nil |
| Extended Credit Interest-Free Credit Period | 20-50 days, applicable only on retail purchases and if the previous month’s outstanding balance is paid in full |
| Finance Charges | Up to 2.50% per month |
| Extended Credit Minimum Amount Due | 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI (In case of EMI based product) + OVL amount (if any) |
| Cash Advance limit | Up to 80% of the credit limit, maximum Rs. 12,000 per day |
| Free Credit Period | Nil |
| Cash Advance Fee (SBI or Other Domestic ATMs) | 2.5% of transaction amount, subject to a minimum of Rs. 500 |
| Cash Advance fee International ATMs | 2.5% of transaction amount, subject to a minimum of Rs. 500 |
| Overlimit Charges | 2.5% of over limit amount subject to a minimum of Rs. 500 |
| Late Payment Fee | For 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 |
Eligibility Criteria- Applicants should meet the following eligibility criteria in order to be eligible for this credit card:
Documents Required- The following documents are required to be submitted:
| Proof of Identity | PAN Card, Aadhar Card, Voter ID Card, Passport, Driving License, Any other government-approved photo ID |
| Proof of Address | Aadhar Card, Passport, Utility Bills (not more than 3 months old), Any other government approved ID |
| Proof of Income | Bank 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 |
If you are keen to apply for this credit card by SBI, you can apply through the bank’s website or visit the nearest bank branch and the bank executives will help you in applying for this credit card.
How can I apply for SBI Unnati credit card?
To apply for this credit card, you can visit the bank’s website or go to the nearest SBI bank branch
What is the Annual Fee of SBI Unnati Credit Card?
The Annual Fee of this card is Nil for the first four years.
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
No extra rewards or benefits. Only basic features. Could have been better.
SBI Simply Click is a good card for online shopping. I get a lot of rewards. Recommended!
Wonderful credit card for travellers. Free membership helps a lot. Fee is high.
I got this card when I had to travel a lot for work every month and it gave me good benefits. But the annual fee is high; it would have been better if I could get similar features for a lower fee. Other features are also good.
This is a great card for me as I shop at Big Bazaar and FBB frequently. The annual fee is also very less. I recommend this for regular shoppers.
With the easy money facility having money delivered at home is not a problem.
