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.

Features

  1. 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.
  2. 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.
  3. 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.
  4. Fuel surcharge waiver: The Unnati Card also offers a fuel surcharge waiver of up to Rs. 100

Eligibility Criteria

ListDetails
Employment TypeSalaried And Self-Employed
Minimum FD Required in SBIRs. 25,000 or more
SBI Account HolderOptional
AgeMinimum 18 years and maximum 70 years
EmploymentSalaried or self-employed
Credit ScoreNo credit score required
Credit HistoryNo credit history required
KYC DocumentsIdentity 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.)

Charges

ListDetails
Joining FeeNil
Annual FeeNil for the first 4 years; Rs. 499 from the 5th year onwards
Add-on Card FeeNil
Cash Advance Fee2.5% of the amount withdrawn or Rs. 300 (whichever is higher)
Late Payment FeeRs. 0 to Rs. 500, depending on the outstanding balance
Overlimit Fee2.5% of the over limit amount (minimum Rs. 500)
Foreign Currency Transaction Fee3.5% of the transaction amount
Card Replacement FeeRs. 100
Statement Retrieval FeeRs. 100 per statement
Payment Dishonour Fee2% of the payment amount (minimum Rs. 450)
GST18% on applicable fees and charges

How to Get This 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 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.

FAQs

  • How to Close My Unnati Credit Card?

    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.

  • What is an SBI Card Unnati Credit Limit?

    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.

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