SBI 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
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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
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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.