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.

    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.

    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.

    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

    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"
      0.5 4.0/5 "Great!"
      I am holding the credit card with the SBI CARD the credit limit with this card is satisfactory also the card is user friendly to access. I am getting the offers but i am using it also the card has the EMI conversion option it is easy to convert the payment.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has been more than six months since i am using the SBI SIMPLY SAVE CARD and i am happy with the services which they had provided with this card. It has a good credit limit and it also has some annual charges. I used to get some good features with this card where there is an EMI conversion option with this card.
      Was this review helpful? 0
      , faridabad
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I am holding the credit card with the SBI CARD where they have provided the credit limit of fifty thousand rupees where it is good and sufficient. The customer service is good, there is a EMI conversion option available with this card which is good.
      Was this review helpful? 0
      , vadodara
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this State Bank Of India Credit Card for the past 6 years ,directly applied with the bank .The credit limit was good ,it is a free card .There was cash back offers and reward points are there .I have not undergone any difficulties on using this card.The Overall Service is Good and comfortable so far.
      Was this review helpful? 0
      , greater noida
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "AVERAGE"
      0.5 2.0/5 "Expected more"
      I am using from last 2 years the credit card with the SBI CARD. I am going to close the card because there are many hidden charges applicable, the billing cycle is not good and not convenient, customer service call not connected also the rate of interest was higher, offers are not good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "Need lots of improvement"
      0.5 1.0/5 "Really Bad"
      SBI card is not good as per my experience because there is no reward points on my spends. I am using this card around 17 months, the customer support is not helpful on my credit card queries. My limit is Rs. 47,000 every month I use the full limit but still there is no enhancement.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 3.5/5 "Pretty good"
      I hold SBI credit card from long time, They have charged me annual fee but waiver option is available like if i spend up to 70,000 in an year then my annual fee will get waived off, i am happy with the credit limit, but i am bit upset with their service, like they use to take all kind of charges ,to safeguard card they use to take charges. I use to get good offers.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "Best Card"
      0.5 4.0/5 "Great!"
      I hold SBI credit card from long time, they have not charged me annual fee, i am happy with the credit limit which they have given to me, i did not face any issue in doing transactions, the process went smoothly, their mobile application is good, i can easily convert into EMI option.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "Satisfactory cards"
      0.5 5.0/5 "Blown Away!"
      I am pretty much happy with SBI credit card service. I am using the card for past 2 years, one is Simply Save, FBB style up and waiting for new card. The charges are nominal and even it has an option for flexi pay which I like it most. The credit limit is not an issue.
      Was this review helpful? 0
      , kolkata
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I am using the credit card with the SBI CARD where the card has the satisfactory credit limit also the card has the no offers to available. The card is user friendly to use but it is a payable card. overall the card service is good and satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "Great card with lot of benefits"
      0.5 5.0/5 "Blown Away!"
      SBI Prime, I would say its a great card, The customer service is very helpful and prompt only for this product. I am using it for 2 years and credit limit is average, I have received a lot of benefits on this card but need to pay annual fee o Rs.3000. I use this card for multi purpose and EMI conversion is comfortable with 7.5% of interest.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using SBI ELITE credit card from past one and half years, they have been charging annual fee high, but waived off option available in this card, i am happy with the credit limit which they have given me in this card, they use to give good offers in on line shopping.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 20, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold SBI simple save credit card from long time, they have charged me annual fee, but not sure about the waived off is available or not, i am happy with the credit limit which they have given me in this card, they have given me good offers, their overall service is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 19, 2019
    • SBI Cards Credit Card
      "Limit is very low "
      0.5 1.0/5 "Really Bad"
      My application has been approved with STATE BANK OF INDIA . I close this card because the limit was very low they said earlier they will give good limit but i did not got . They said they will provide 100000 abut i just got 22000 . Offers is nothing and card is chargable .
      Was this review helpful? 0
      , gurgaon
      Reviewed on Apr 19, 2019
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I've bought the STATE BANK OF INDIA CREDIT CARD online. I am using this card for past 1month i have not use this card much so i cannot comment on the feature and benefits once i will use then i can give proper feed back but while getting the card the service is good .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 19, 2019
    • SBI Cards Credit Card
      "There is no offers "
      0.5 1.0/5 "Really Bad"
      I am using STATE BANK OF INDIA credit card . I am planning to close this card because of no offers which is very disappointing they are not providing single offer . The service is not up to the mark and i use to get proper mail message after the transaction . I have SBI IRCTC card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 19, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold SBI BPCL credit card for long time, They use to give good offers, discounts and cash back in fuels, they have charged me annual fee , but no waiver option available instead of that they use to give rewards points , i am happy with the credit limit which they have given to me.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 19, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold SBI simply save credit card from long time, They have charged me annual fee , but waiver off option is available , i am happy with the credit limit which they have given to me in this card, they use to give good offers in shopping in on line shopping like if i do shopping they will be giving 10 points.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 19, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      The credit limit with this SBI CARD is good and satisfactory also the card has the sufficient offers, and the card is payable card but the wavier off option is available with this card. The customer service is good and no issues the card is user friendly to access.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 19, 2019
    • SBI Cards Credit Card
      "Not satifactory card"
      0.5 3.0/5 "Satisfactory"
      I have been using STATE BANK OF INDIA for more than 3 years . They offered CAPITAL FIRST credit card. There are so many hidden charges with this card . The EMI charges are more than other cards . I complaint to customer service but no response . Experience is fine .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 19, 2019
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