Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • SBI Unnati Credit Card

    State Bank of India (SBI) has launched a new credit card called the Unnati card. The Unnati card is provided to an account holder who holds an account balance of Rs.25,000 or more. SBI is not planning to charge any annual card fee for the first four years. Additionally, the card offers a host of benefits. From using the card at over 24 million outlets to attractive reward points, Unnati card can be the perfect solution to individuals who wish to use a credit card for basic necessities such as paying utility bills, making payments, shopping, etc. SBI is looking at making the application process as simple as possible for the convenience of the common man. If an application has been received for a Unnati card, the bank will use the KYC documents for approving the application, the bank won't require any underwriting or history of bank balance.

    Benefits of SBI Unnati Credit Card:

    • The card offers cardholders 1% fuel surcharge waiver on fuel spends between Rs.500 and Rs.3,000.
    • Attractive rewards program where you can earn 1 Reward Point for Rs.100 spent on the card.
    • Receive cashback of Rs.500 if spending crosses Rs.50,000 per year on the card.
    • No annual fee for the first 4 years.
    • The card is free for the first four years as the annual fee is waived off.
    • Eligible for reward points when the card is used. The rewards can be redeemed later against a wide range of gifts.
    • 1 percent of fuel surcharge fee waived for each fuel purchases transaction between Rs.500 and Rs.3000.
    • Issued to individuals based on the fixed deposit with SBI which can be in the range from Rs.25,000 to Rs.5 lakh.

    Additional Benefits of SBI Unnati Credit Card

    There are over 3,25,000 outlets in India that will accept the Unnati card. The cardholder can also request for an add-on card for his/her family members. When an individual applies for a credit card or a loan, most banks will be looking into the credit report or the credit score, however, SBI is all set to change the trend in the credit market. With a diverse range of benefits, Unnati card will be one of the ideal credit cards that be easily obtained without any hassle.

    How Does SBI Unnati Credit Card Works

    SBI will issue the Unnati card backed by bank deposits for the first 12 months. Once the period is over, the bank will free the deposit. This initiative will promote financial inclusion and let the middle, as well as lower income account holders, to build their credit score. Once the account holder completes the first four-year waiver, the card will have an annual fee of Rs.499. The cardholder can avoid the annual fee by meeting the minimum required amount of transaction applicable for each year. The card has been designed and targeted to meet basic credit needs. Upon usage, the card owner will get one point per Rs.100 spent across various outlets, however, there are no reward points for fuel transactions, cash advance, encash, balance transfer, etc. The cardholder is also entitled to a maximum surcharge waiver of Rs.100 per statement cycle.

    Features of SBI Unnati Credit Card:

    The SBI Unnati credit card offers cardholders the following features:

    • Accepted across over 24 million merchant outlets across the world.
    • Avail add-on cards for family members such as parents, children over the age of 18 years, siblings or a spouse.
    • Convert expenses charged to your card into Flexipay to ease repayment for spends above Rs.2,500. Simply convert your outstanding payments above Rs.2,500 into EMI’s to make paying off your dues more manageable.
    • Can be used to withdraw cash from over 1 million Visa or MasterCard ATMs.
    • Pay utility bills using the card.
    • Enables the user to transfer the outstanding balance of other credit cards to SBI card Unnati.
    • Allows the users to convert transactions into easy EMIs.
    • Users can get a draft or cheque against the cash limit.

    How to Apply for SBI Unnati Credit Card Online?

    If you wish to apply for an SBI Unnati credit card, you can do so in the following ways:

    • Visit the nearest SBI branch and fill out an application form and provide the required documents.
    • Call the SBI helpline for assistance on the application process.

    Fees and Charges of Sbi Unnati Credit Card

    Type of Charge Fee
    Annual Fee Free
    5th Year Onwards Rs.499
    Add-on card Nil
    Finance Charges Up to 2.50% per month
    Interest-free Credit Period 20 days to 50 days
    Cash Advance Limit Up to 80% of credit limit subject to maximum of Rs.12,000 each day
    Free credit period Nil
    Cash Advance Fee at SBI ATMs 2.5% of the amount being transacted subject to a minimum of Rs.300
    Cash Advance Fee at other bank ATMs 2.5% of the amount being transacted subject to a minimum of Rs.300
    Cash Advance Fee at International ATMs 3% of the amount being transacted, subject to a minimum of Rs.300
    Cash Payment Fee Rs.100
    Payment Dishonour Fee 2% of payment amount subject to a minimum amount of Rs.450
    Cheque pickup Rs.90
    Cheque Fee Rs.100
    Charge Slip Retrieval Rs.225 for each slip
    Card Replacement Fee Rs.100
    Emergency card replacement when abroad Actual cost, with the minimum amount being $175
    Foreign Currency Transaction mark up 3.5%
    Rewards Redemption Rs.99
    Over limit Charges 2.5% of the amount subject to a minimum of Rs.500
    Railway tickets via ticket counters Rs.30 plus 2.5% of the transaction amount
    Railway tickets via official online portal 1.8% of the transaction amount plus service charge
    Fuel surcharge waiver 1% waiver for transactions between Rs.500 to Rs.3,000
    Customs Duty Payments 2.25% of the transaction amount

    Eligibility Criteria for SBI Unnati Credit Card:

    The eligibility criteria for the SBI Unnati credit card are based on the applicant’s age, employment and other factors. Please contact the bank for eligibility criteria specific to the credit card.

    SBI Offers Credit Card For Individuals Without Credit History

    We all know that while applying for a credit card an individual needs to have a good credit history without which it becomes difficult to get one. In a bid to address this issue, the country’s largest public sector bank has come up with an initiative under which individuals without any credit history or those new to the credit will be provided with ‘SBI Unnati’ credit card provided they have a minimum fixed deposit of Rs.25,000 with the bank.

      

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    SBI Unnati Credit Card Reviews

    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      SBI credit card have offers and reward points but I have not redeem them yet, this is a domestic card, the credit limit is of 50000 which I am very much satisfied as per my need. I got my statement on time. I used this card for personal purposes.The card is very user friendly.
      Was this review helpful? 58
      , hyderabad
      Reviewed on Mar 21, 2020
    • SBI Cards
      SBI Cards Credit Card
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for more than three months, there are some reward points and offers in the card. I used this card for online shopping, fuel surcharge and groceries.The credit limit of the card is sufficient and I like the most about the card is that it is a life time free card and very good to use.
      Was this review helpful? 52
      , hyderabad
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have used SBI credit card for 2-3 months, but I have not got any time to check about the offers available in the card. The limit of the card is 38000 and I am satisfied because its a life time free card. I used to get my card statement on time and the net banking is also working very well.
      Was this review helpful? 56
      , faridabad
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI credit card for the last two months, the credit limit of the card was satisfied it was Rs.9,80,000. The bank agent came and collect my document he have informed me every detail about the card. The card have a charges of Rs.2299 in a year. I used to pay my credit card bill through bank. Am getting my card statement in softcopy but I wish the bank can send me a hard copy statement also.
      Was this review helpful? 68
      , gurgaon
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have used SBI credit card for 3-4 years. It is a very convenience card, there is possibility of increasing my credit score. The credit limit is Rs.37000 which was not up to the mark, this card have more offers if i'd do online shopping through flipkart .This a chargeable card with an amount of 499 along with GST. I do my credit card bill payment through online.
      Was this review helpful? 3
      , kolkata
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was only one month that i got the credit card with SBI. But it was nice because I used to get many offers sms. I used this card for shopping, fuel, ticket and for others purposes also. The bank agent came and collected the documents, the limit of the card is Rs.54000. This is a chargeable card, it cost 500 rupees per year.
      Was this review helpful? 4
      , bangalore
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Best card "
      0.5 4.0/5 "Great!"
      SBI has offered an annual fee chargeable card of 499 plus GST but there is waiver off option if I spend 1L within a year hence I applied this card through online and received it by one week. The credit limit is low of 57K only. There are good offers and benefits for online shopping. I am not aware about EMI conversion. For every purpose I need to contact customer care only. When I applied a card they made to take an insurance with charge of 500 rupees but still I didn't receive the documents yet.
      Was this review helpful? 3
      , hosur
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Need to improve customer service & enhance the limit "
      0.5 2.0/5 "Expected more"
      SBI customer service is not providing good response whenever I contact them. The rate of interest is high. They have deducted 100 rupees for cheque transaction purpose. The limit is low of 63K. I am holding this card for 8 years. I am not getting any calls or message for an update. It is a life time free card. It is a Visa card. My payments are done on time so no idea about EMI facility. But there is no much benefits when I compared with usage.
      Was this review helpful? 21
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have opened my bank account in State Bank Of India before 3 years and I decided to take credit card from the same bank.The credit limit of the card is sufficient for me. If bank provide the statement on time, it will be good and I used to pay credit card bill through online.
      Was this review helpful? 1
      , pune
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "Need to improve their service "
      0.5 1.0/5 "Really Bad"
      I have paid first bill payment for SBI card without any issue. But at that time they have intimated of 8K Yatra voucher but still I didn't get it. So I contacted the banker twice for voucher issue but there is no proper response from their end. It is an annual fee chargeable card of 499 plus GST and it will be reverse in first bill payment but not done yet. The credit limit is sufficient.
      Was this review helpful? 4
      , surat
      Reviewed on Mar 21, 2020
    • SBI Cards Credit Card
      "good service"
      0.5 5.0/5 "Blown Away!"
      I have just got the card one month ago, I have done less transactions and till now I haven't got my bill payment. The credit card is good but i am not satisfied with the credit limit of 37000 rupees only. Hope they increase the limit apart from that its fine.
      Was this review helpful? 3
      , surat
      Reviewed on Mar 20, 2020
    • SBI Cards Credit Card
      "User friendly"
      0.5 5.0/5 "Blown Away!"
      SBI credit card have a credit limit of 75000 rupees, its a chargeable card of Rs.500 per year along with 87 rupees of GST. The card have a reward points of 500 from amazon if I spend Rs.5000 then only i can redeem the rewards points. I used this card for hotel booking, petrol surcharge and
      Was this review helpful? 2
      , tirunelveli
      Reviewed on Mar 20, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have a SBI credit card which i have been using it recently, so far i have not faced any issues. I used this card for online shopping and other purchases.I get many cash back offer and reward points.The credit limit of the card is 46,000rupees, i wish the bank can increase the credit limit more.
      Was this review helpful? 2
      , jalandhar
      Reviewed on Mar 20, 2020
    • SBI Cards Credit Card
      "Very good card"
      0.5 5.0/5 "Blown Away!"
      I am having SBI credit card with a limit of 120000 and its a life time free card,the bank provide my statement on time,by using this card i used to get offers on malls and groceries.I pay my bill directly through the bank.But no ATM is available nearby.
      Was this review helpful? 3
      , rajkot
      Reviewed on Mar 20, 2020
    • SBI Cards Credit Card
      "Ok service"
      0.5 4.0/5 "Great!"
      I have been using SBI credit card recently and I am having a good experience where I get offer from YATRA, the card charges are affordable its only Rs. 500 in a year along with GST.I used to do my card payment directly from the bank, the card limit is 50,000 rupees and I am using this card for general purposes.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Mar 20, 2020
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have availed SBI card for business purpose it is used mostly.For all online transaction and the credit limit was less it was 47000 and using for the past 2 months only .cash back offers and reward points are not there .I am paying the credit card bill through online .I have not faced any issues so far and for online transaction will;l be getting otp.
      Was this review helpful? 1
      , hooghly
      Reviewed on Mar 20, 2020
    • SBI Cards Credit Card
      "Okay"
      0.5 5.0/5 "Blown Away!"
      SBI has processed all things was very simple and after that executive came and finalized. I am not happy with the credit limit which i got very less , need to increase the credit limit. Annual charges are Rs. 499 within 2 months if i spend Rs.20k i will be getting 500rs as a reward points. That points can convert as a cash back i use to pay my bills, if i spend RS. 1L in a year from the 2nd year onward its a free card.
      Was this review helpful? 3
      , kochi
      Reviewed on Mar 20, 2020
    • SBI Cards Credit Card
      "Okay"
      0.5 3.5/5 "Pretty good"
      I have applied SBI credit card through online channel and the customer service was average. Documents collected by executive and about credit limit i am not happy they committed Rs. 3L, but they given only Rs. 75K need to increase the credit limit.
      Was this review helpful? 8
      , mumbai
      Reviewed on Mar 20, 2020
    • SBI Cards Credit Card
      "OK credit"
      0.5 3.0/5 "Satisfactory"
      Am using SBI credit card for two months, its a chargeable card of Rs. 500 but the bank charge me more than that along with GST, the credit limit is 37000 rupees which was not sufficient .The card have a rewards points but I have not check. I have just activated the mobile banking and have not used it for now. I wish the bank can increase the credit limit of the card.
      Was this review helpful? 3
      , pune
      Reviewed on Mar 20, 2020
    • SBI Cards Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      The bank agent called me and told to apply credit card from SBI. I have been using the card for two months but I am not happy with the credit limit because it is only for 39,000 as i am expecting credit limit of more than 1L ,the card have some reward points but there is no offer is available in the card. I would like to give some suggestion to the bank to give transaction facility to credit card like the debit card which I have.
      Was this review helpful? 8
      , patiala
      Reviewed on Mar 20, 2020
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