Domestic Lounge 
International Lounge 
HDFC Bank 
SBI 
IDFC Bank 
Bank OF Baroda 
AXIS Bank 
CITI Bank 
RBL 
KOTAK MAHINDRA 
ICICI Bank 
INDUSIND Bank 
HSBC 
YES Bank 
AMEX 
AU Bank
STANDARD CHARTEREDSBI Unnati credit card is a secured credit card issued by the SBI Card. The SBI Unnati credit card is issued to customers with a fixed deposit of Rs 25,000 or above with the State Bank of India. You get 1 reward point on every Rs 100 spent using the SBI Unnati credit card. With this SBI Unnati credit card, you a milestone benefit of Rs 500 cashback on annual spending of Rs 50,000 or above. Moreover, you get a waiver on the annual fee for up to 4 years from the date of card issuance. Read below to know more in detail about the SBI Unnati credit card
SBI Unnati Credit Card
Best Suited For
Shopping |
Joining Fee
Nil
Reward Type
Reward Points |
Product Details
- Zero Annual Charged (For first four years)
- 1 Reward Point on every Rs 100 spent
- Rs 500 cashback on annual spending of Rs 50,000 within 15 days
- 1% surcharge waiver on all fuel transactions between Rs 500 and Rs 3000
Rewards and Benefits
Welcome Benefits
NA
Movie & Dining
NA
Rewards Rate
1 reward point on every Rs 100 spent
Reward Redemption
1 Reward Point = Rs 0.25 on redemption against a host of gifts and benefits at the SBI Card reward catalog.
Travel
NA
Golf
NA
Domestic Lounge Access
NA
International Lounge Access
NA
Insurance Benefits
NA
Zero Liability Protection
NA
Hide
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 transactions using the SBI Unnati credit card
Cash Advance Charge
2.5% on the withdrawal amount subject to minimum charge of Rs 500
Add-on Card Fee
Nil
Hide
SBI Unnati Credit Card Rewards
With SBI Unnati credit card, you get 1 reward point on every Rs 100 spent on all categories.
Reward Redemption
The reward points accumulated using the SBI Unnati credit card can be redeemed against a host of gifts and benefits at the SBI Card reward catalog.
Milestone Benefits
On annual spending of Rs 50,000, you get a cashback of Rs 500 within 15 days of reaching the milestone.
Other Benefits
- You get a 1% surcharge waiver on all fuel transactions between Rs 500 and Rs 3000. You can get a maximum discount 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 apply for an SBI credit card
- 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 best suited 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 do you think about the SBI Unnati credit card? Do let us know in the comments below.
FAQs:
No, you do not get 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 grace 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.
Compare India’s most rewarding credit cards under one roof and pick the one that works for you the best.