By Shubham Sharma
Updated On August 25, 2022

SBI Unnati credit card, a secured credit card offered by the SBI Card. The SBI Unnati credit card is given to customers with a Fixed term deposit of Rs 25,000 or above with the State Bank of India. For every transaction of Rs. 100 done using the SBI Unnati credit card you earn 1 reward point. With this SBI Unnati credit card, you earn a milestone advantage of Rs 500 cashback if you spend Rs 50,000 or above in a year. Also, a waiver on the annual fee is provided for up to 4 years from the date of card issuance. To know more about the SBI Unnati Credit card, keep reading.

(3.8/5)

Best Suited For

Shopping |

Joining Fee

Nil

Reward Type

Reward Points |

Product Details

  • No Annual Charges (For first four years)
  • 1 Reward Point per Rs 100 you spend
  • Rs 500 cashback on annual spending of Rs 50,000 within 15 days
  • 1% surcharge waiver applicable on fuel transactions above Rs. 500 (below Rs. 4,000).

Rewards and Benefits

Welcome Benefits

NA

Movie & Dining

NA

Rewards Rate

1 reward point per Rs 100 you spend

Reward Redemption

1 RP = Rs 0.25 on redemption against a host of gifts and benefits at the SBI Card rewards catalog.

Travel

NA

Golf

NA

Domestic Lounge Access

NA

International Lounge Access

NA

Insurance Benefits

NA

Zero Liability Protection

NA

Fees & Charges

Joining Fee

Nil

Renewal Fee

Rs 499/-

Spend based Waiver

NA

Rewards Redemption Fee

Rs 99 per redemption request

Rewards Redemption Fee

Rs 99 per redemption request

Foreign Currency Markup

3.5% on the conversion amount

Interest Rates

3.5% per month ( 42% per annum)

Fuel Surcharge

1% surcharge waiver on all fuel purchases using the SBI Unnati credit card

Cash Advance Charge

2.5% on the amount withdrawn subject to a minimum charge of Rs. 500

Add-on Card Fee

Nil

SBI Unnati Credit Card Rewards

1 Reward point per Rs. 100 you spend is earned on all categories with SBI Unnati credit card.

Reward Redemption

The reward points earned using the SBI Unnati credit card are redeemable against a number of gifts and benefits at the SBI Card reward catalog.

Milestone Benefits

Get Rs. 500 cashback on spending Rs. 50,000 or more in a year. The cashback is provided within 15 days of reaching the milestone.

Other Benefits

  • You a 1% waiver on surcharge applicable on all fuel transactions between Rs. 500 and Rs. 3000. A maximum waiver of Rs 100 per statement cycle.
  • No annual fee is charged on this SBI Unnati credit card for the first 4 years.

How to Apply?

  • You can apply for an SBI Unnati credit card by visiting your nearest SBI branch and filling in the application form.
  • You can also contact at the following mentioned SBI card helpline number 39 02 02 02 to apply
  • You can apply for SBI Card online by visiting www. sbicard.com and click on apply after entering all the required details.

Conclusion

SBI Unnati credit card is a basic secured credit card and is great choice for individuals who like to make utility bill payments, EMI transactions, or other essential expenditures using a credit card. The annual fee on the SBI Unnati credit card is waived for up to 4 years. What are your thoughts about the SBI Unnati credit card? Do let us know in the comments section below.

FAQs:

No, you are not charged with an annual fee on your SBI Unnati credit card for the first four years from the card issuance.

You get charged with a fifth-year renewal fee of Rs 500 using the SBI Unnati credit card

You can enjoy an interest-free period of up to 20 to 50 days using your SBI Unnati credit card.

You get charged with an interest rate of 3.50 per month ( 42% per annum) using the SBI Unnati credit card.

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