HDFC Bank 
SBI Card 
IDFC Bank 
Axis Bank 
RBL 
ICICI Bank 
CITI Bank 
HSBC 
YES Bank 
AMEX 
IndusInd Bank 
Standard Chartered
Federal BankSBI Unnati credit card is 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. For every 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.
SBI Unnati Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping |
Reward Type
Reward Points
Welcome Benefits
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
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 Charges
2.5% on the amount withdrawn subject to a minimum charge of Rs. 500
Add-on Card Fee
Nil
- 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).
SBI Unnati Credit Card Features & Rewards
SBI Unnati Credit Card Rewards
1 Reward point per Rs. 100 you spend is earned on all categories with an 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 in the SBI Card reward catalogue.
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 get 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 for an SBI Unnati Credit Card?
- You can apply for an SBI Unnati credit card by visiting your nearest SBI branch and filling out the application form.
- You can also apply for SBI Card online by clicking on Apply Now and filling in your details.
SBI Unnati Credit Card Review
SBI Unnati credit card is a basic secured credit card. It is a 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.
2 Comments
I visited nearest SBI branch to book and FD to apply for Unnati Credit card, but I was told that the card has been discontinued. However I can still see information about the Unnati credit card on the sbi card website and when I asked the customer care, I was told to visit nearest branch. But the bank personnel are telling me the card doesn’t exist anymore. Please guide.
I’m not able to find this card even on the website.. maybe they had not updated website then.