SBI Unnati Credit Card Review – Are you looking for a credit card that offers you a host of benefits? Look no further! The SBI Unnati Credit Card is a perfect choice.
This card is designed to provide convenience, security, and flexibility to its users. It is a great way to manage your finances and unlock the benefits of a fixed deposit. With this card, you can enjoy a wide range of benefits such as cashback, discounts, reward points, and more.
You can also avail of special offers and discounts on your purchases. With the SBI Unnati Credit Card with Fixed Deposit, you can enjoy a secure and convenient way to manage your finances.
Benefits, Eligibility criteria, Charges, the application process, and frequently asked questions are all covered in this article.
Table of Content
- Table of Content
- SBI Unnati Credit Card Highlight Keys
- What is the SBI Unnati Credit Card?
- What are the features of the SBI Unnati Credit Card?
- The Eligibility Criteria For SBI Unnati Credit Card
- The Charges And Fees on Unnati credit card
- How to Apply For SBI Unnati Credit Card
- Frequently Asked Questions
- Popular Student Credit Cards
SBI Unnati Credit Card Highlight Keys
|Category||Credit Cards against Fixed Deposit (FD)|
|Credit Limit||The credit limit is up to 80% of the fixed deposit amount.|
|Annual Fee||First 4 years: No annual fee|
After 4 years: Rs. 499
|Milestone Benefits||Rs. 500 cashback on spending Rs. 50,000 or more within 15 days of achieving|
|Fuel Surcharge Waiver||1% fuel surcharge waiver on transactions of Rs. 500 to Rs. 3,000 at any petrol pump|
|Eligibility||No credit history or score is required, suitable for low-income individuals or those starting their careers|
|Flexipay||Convert purchases into easy monthly installments with low-interest rates|
|Easy Money||Get a draft or cheque delivered to your doorstep against your cash limit|
|Easy Bill Pay||Pay your utility bills, insurance premiums, and other bills easily|
|Security Feature||Chip and PIN-enabled security feature for safe and secure transactions|
What is the SBI Unnati Credit Card?
The SBI Unnati Credit Card with a Fixed Deposit offers customers a range of benefits. Customers can enjoy a minimum credit limit of Rs. 25,000 and a maximum credit limit of Rs. 9 Lakhs. This card also offers customers a Get 1 Reward Point per Rs 100 spent.
it also provides a 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000. Additionally, customers can enjoy an SBI Card Unnati is free for the first 4 years’ annual fee, as well as a host of other discounts and offers.
The SBI Unnati Credit Card with a Fixed Deposit also offers customers the flexibility to choose their own fixed deposit tenure. Customers can choose from a range of tenures ranging from 12 months to months. Customers can also choose to make a one-time payment or opt for a recurring payment option.
Unati Credit Card with a Fixed Deposit also offers customers the convenience of cashless payments worldwide. Additionally, customers can also earn reward points on their purchases, which can be redeemed against a wide array of gifts from the Rewards Catalogue.
It also offers you a range of security and convenience features. You can get access to a range of online and mobile banking services, such as bill payments, balance transfers, and more. You can also get access to a range of fraud protection features, such as SMS alerts and 24/7 customer service.
What are the features of the SBI Unnati Credit Card?
The SBI Unnati Credit Card offers a range of features that make it an attractive option for customers. These features include:
- No annual fee: The SBI Unnati Credit Card does not charge an annual fee, making it an ideal option for those who want to enjoy the benefits of a credit card without having to pay a hefty fee.
- Low-interest rate: The SBI Unnati Credit Card has a low-interest rate of 7.99% per annum, making it an attractive option for customers who are looking for a card with a low rate of interest.
- Reward points: The SBI Unnati Credit Card also offers 1 reward point for every purchase made with the card. These points can be redeemed for a variety of rewards such as gift vouchers, discounts, and more.
- Fuel surcharge waiver: The Unnati Card also offers a fuel surcharge waiver of up to Rs. 100
The Eligibility Criteria For SBI Unnati Credit Card
|Employment Type||Salaried And Self-Employed|
|Minimum FD Required in SBI||Rs. 25,000 or more|
|SBI Account Holder||Optional|
|Age||Minimum 18 years and maximum 70 years|
|Employment||Salaried or self-employed|
|Credit Score||No credit score required|
|Credit History||No credit history required|
|KYC Documents||Identity proof (Aadhaar card, passport, driving license, etc.), address proof (Aadhaar card, passport, utility bills, etc.), and income proof (salary slips, bank statements, IT returns, etc.)|
The Charges And Fees on Unnati credit card
Here is the charges and fees list on the SBI Cards –
|Charges and Fees||Details|
|Annual Fee||Nil for the first 4 years; Rs. 499 from the 5th year onwards|
|Add-on Card Fee||Nil|
|Cash Advance Fee||2.5% of the amount withdrawn or Rs. 300 (whichever is higher)|
|Late Payment Fee||Rs. 0 to Rs. 500, depending on the outstanding balance|
|Overlimit Fee||2.5% of the over limit amount (minimum Rs. 500)|
|Foreign Currency Transaction Fee||3.5% of the transaction amount|
|Card Replacement Fee||Rs. 100|
|Statement Retrieval Fee||Rs. 100 per statement|
|Payment Dishonour Fee||2% of the payment amount (minimum Rs. 450)|
|GST||18% on applicable fees and charges|
How to Apply For SBI Unnati Credit Card
To apply for the SBI Unnati Credit Card, you need to meet the eligibility criteria set by the bank. You must be at least 18 years of age and have valid identity proof. Credit Score not required. However, it’s a good way to build your credit score.
Once you meet the eligibility criteria, you can apply for the card by clicking here to go SBI Cards Page. You will provide some basic information such as your name, address, contact details, and income and employment details. Once you have the application form, the bank will review it and if you are approved, you will receive your card within a few days.
Once you receive your card, you can start using it for making purchases and payments. You can also avail yourself of the benefits of cashback and reward points on your purchases.
The SBI Unnati Credit Card with a Fixed Deposit is an excellent choice for those looking to maximize their savings and take advantage of the many benefits that come with it. With its low annual fee, attractive cashback offers, and various rewards, the SBI Unnati Credit Card with a Fixed Deposit is an excellent way to unlock the benefits of a credit card while also earning a higher rate of return on your savings.
With its flexibility and convenience, this credit card is an ideal choice for anyone looking to maximize their savings and benefit from the many advantages that come with it.
Frequently Asked Questions
Pay off all your outstanding dues on the card and Call to the SBI customer care number at 1800 425 3800 or 1800 11 2211 from your registered mobile number.
The credit limit of the SBI Card Unnati is up to 80% of the fixed deposit amount. For example, if your fixed deposit amount is Rs. 30,000, your credit limit will be Rs. 20,000.
Popular Student Credit Cards
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|Top 8 Student Credit Card in India to Apply||Are you a college student in India looking to make the most out of your college years? A great way to do this is by taking advantage of the top 8 student credit cards in India.|
|Bihar Student Credit Card Scheme Review||Are you a student from Bihar looking for a credit card? Get to know everything about the Bihar Student Credit Card – its eligibility criteria, features, and how to apply through this review.|
|West Bengal Student Credit Card Scheme Review||The West Bengal Student Credit Card Scheme is an excellent option for students who need financial assistance.|
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