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  • SBI Unnati Credit Card is Rated as "Excellent!" by 10518 Users

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    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.

    SBI Unnati Credit Card Reviews

    • SBI Cards Credit Card
      "Good Card"
      0.5 4.5/5 "Excellent!"
      I have SBI Tata card, they gives offers on Tata products, the card is very good , the credit limit is also satisfactory. I could convert the points into Tata purchase. The payment gateway is good and my payment reflect immediately on their end.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been using this card for the last five years and the services which they had been providing so far has been good. I am very much satisfied with the credit limit which they had given with this card and there has been some good benefits and features with this card as well. There has been an annual fee with this card as well.
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Customer support needs be proactive"
      0.5 5.0/5 "Blown Away!"
      SBI is also good in experience of credit card, they will provide high credit limit based on transaction. The customer support is not upto the mark, IVR duration should be reduced the response should be prompt. The charges are minimum on spends.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Widely accpeted Card"
      0.5 4.0/5 "Great!"
      Its just for widely acceptable, the transaction charges are minimum, the credit limit is satisfactory. The payment gateway is convenient, its reflect soon on their end, they need to improve on their response part in terms of reminder calls before the due date.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Best card to go in SBI"
      0.5 4.0/5 "Great!"
      Holding the State bank of India for 2 years. This is a milestone rewards card. There is a milestone spend on a every 1 lakhs and i will get a Rs. 2000 cleartrip voucher. If i'm getting a milestone, my annual fee will get waived off. They are provide a accelerated rewards points. There is a catalog shops for redeeming the rewards points.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      By SBI card only my credit score has been increased, I didn't check about the offers. I use more occasionally I use for hotel and travel bookings, the international transactions are good. The card accessibility is good, the charges are normal as well.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 5.0/5 "Blown Away!"
      Got my sbi simply save card and started using it . Am not satisfied with the credit limit which they have provided .And they have charged rs 580 as they said there is no annual charges for the card but they have charged for the card where i made the payment . There are no additional charges for the transaction which i make .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 4.0/5 "Great!"
      I got my sbi simply credit card after very long time where they have given good credit limit . There is annual charges for the card of rs 500 which gets waived off after using certain limit . The response from the customer service is been good , the only problem with the delivery and documentation .
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 5.0/5 "Blown Away!"
      I Have chosen state bank of India for credit card in that i have taken Sbi simply click credit card . There is annual charges for the card of Rs 750 which gets waived off after using certain limit . Am happy with the credit limit which they have provided overall am satisfied with the card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 1.0/5 "Really Bad"
      I got my sbi simply click credit card and started using it . Am not satisfied with the credit limit which they have given is low compared to the card which already am having . There are annual charges for the card of rs 499 plus GST . I have spoken to the customer service also the response part is very good.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Poor card"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with SBI , they offered very low credit limit it is 78000 . Customer service respond is not up to the mark they charges so much interest rate i am not happy with this card this is one of the worst card . There is no hidden charges . They offered SBI CENTRAL Credit card .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with SBI , i am holding this card for past 1 year . The card is chargeable with 500 rs and they offered me with STYLE UP Credit card . Mostly i use this card in big bazaar to purchase food items . The credit limit is more than i expected.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with SBI , i am holding this card for past 1 year . There is charges at the time of getting the card and they offered very low credit limit with this card . Benefits is nothing with this card . Service was not so good with this card . Overall it is average card .
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Poor service"
      0.5 1.0/5 "Really Bad"
      My credit card was taken with SBI , they offered 500000 of credit limit with this card . I drop this credit card because of their services which is not up to the mark . Benefits is fine i am not satisfied with that also . Customer service is not so good and banking services is fine .
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      My credit card was approved with SBI and the experience was good, the process took 1 week to complete. I have to pay an annual fee of Rs 500 for this credit card. Customer service was good and they responded on time. Credit limit is fine in SBI credit card.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I have a SBI credit card from last 15-20 years, there was no annual fee charged at the time of getting this credit card. Credit card services are good when compared to other cards. Features and benefits are good in this card and i am happy with the credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Simply save credit card with SBI from last 6 months, Rs 499 has to be paid as an annual fee for this credit card. I am getting good reward points on this credit card and the conversion value is also good. Credit limit is sufficient in this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      SBI provides good services on credit card when compared to other credit cards. I am using this credit card from last 1.5 years and there was no annual fee charged. Offers and benefits are very good in this credit card and i am happy with the credit limit in this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from long time, offers like reward points are good in SBI credit card and those points are useful. There was no annual fee charged for this credit card and i am happy with the credit limit. All my transactions are hassle free in this credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2018
    • SBI Cards Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from more than 10 years, it is an Elite credit card where i get good points, movie tickets and unlimited lounge access. There was no annual fee charged for this credit card and i am happy with the credit limit in this card.
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 14, 2018
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