SBI Unnati Credit Card Review – Apply, Benefits, Limit

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

SBI Unnati Credit Card Highlight Keys

Key Points	Details
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

Eligibility Criteria	Details
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
Joining Fee	Nil
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.

Conclusion

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.

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