By Shubham Sharma
Updated On September 10, 2021

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

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

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

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.

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