Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Custom Free
     

    Get a card

  • SBI Unnati Credit Card

    Loading your search...
  • 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

    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

    Learn great tips in our HTML blog about web development. Learn how to implement useful features for your website!

    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.

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    SBI Unnati Credit Card Reviews

    • SBI Cards Credit Card
      "Need to decrease interest charges"
      0.5 5.0/5 "Blown Away!"
      SBI offered a IRCTC credit card and I have been using for more than 1 year. It is a life time free credit card from 2nd years onwards. EMI option is applicable but charges are high. I use this card for ticket booking purpose for train and provide discount as well.
      Was this review helpful? 1
      , tiruchirapalli
      Reviewed on Oct 15, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Need to provided rewards points and cash back"
      0.5 4.0/5 "Great!"
      Through SBI, I had got an offer for a credit card to apply and got one year before. It is a simply save card. The credit limit is given for 20 thousands for a low one. EMI option is applicable and charges are nominal. I use this card for shopping and fuel purposes. Based on the usage I didn't get reward points and cash back so far.
      Was this review helpful? 0
      , mysore
      Reviewed on Oct 15, 2019
    • SBI Cards Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have State Bank Of India credit card which was taken through Bank directly .I am using this credit card for the past 6 months .The credit limit was very less and got all the details about the card process very clearly .I am really satisfied with the service so far on using this credit card.
      Was this review helpful? 3
      , bellary
      Reviewed on Oct 14, 2019
    • SBI Cards Credit Card
      "Fine Card to use"
      0.5 5.0/5 "Blown Away!"
      I am purchasing the electronic items through my SBI credit card. I'm not aware of the variant of the card. Now they have raised the credit limit upto Rs. 90000 earlier it was only Rs. 40000. I am using the credit card for past 1 year. I don't face any issue on this card. I never watched the offers on my credit card. I used my rewards points for purchasing the goods.
      Was this review helpful? 0
      , dindigul
      Reviewed on Oct 14, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI simply save credit card for more than 4 years which was applied directly to bank. It is an annual fee chargeable of 500 rupees. The credit limit given for 54 thousands. I use this card for shopping, recharge and travel purposes. Based on the usage I get reward points and cash back. EMI option is applicable.
      Was this review helpful? 1
      , bellary
      Reviewed on Oct 14, 2019
    • SBI Cards Credit Card
      "Need to enhance the credit limit"
      0.5 5.0/5 "Blown Away!"
      I am using SBI bank simply save credit card for more than 4 years which was processed through bank directly. It is an annual fee chargeable of 500 rupees and there is an option for a waiver off if we spend for 2 lakhs within one year. The credit limit is given for 50 thousands only. EMI option applicable charges for 18% which was high. I use this card for online shopping.
      Was this review helpful? 1
      , dharmapuri
      Reviewed on Oct 12, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card through Shopping Mall.This card is a chargeable card for the past 5 months .I have got all the required details about the card process through the agent .I have got this credit card within a week time .I have not faced any drawbacks while submitting the documents.
      Was this review helpful? 1
      , kovilpatti
      Reviewed on Oct 12, 2019
    • SBI Cards Credit Card
      "Medium"
      0.5 4.0/5 "Great!"
      I had applied for a credit card with SBI on a month before which was processed through an online. My friend is working in that bank so process was done on smooth. But suddenly felt to not process for further for this card process so intimate to bank to close it.
      Was this review helpful? 2
      , madurai
      Reviewed on Oct 12, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI bank simply credit card for more than 2 years which was process through bank directly. It is an annual fee chargeable of 500 rupees.But the credit limit was given only for 10 thousands. There is an option for EMI and charges are nominal. I use this card for shopping and fuel purposes.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 12, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India credit card which was direclty taken through Bank .I am using this credit card for the past 8 months only .The credit limit was pretty good t was upto 50,000,I have got my creidt card on time without any delay .I have got all the relevant information about this credit also through the agent.
      Was this review helpful? 1
      , bharuch
      Reviewed on Oct 11, 2019
    • SBI Cards Credit Card
      "SBI card is best"
      0.5 5.0/5 "Blown Away!"
      There is some discount in online for SBI credit card. There is no hidden charges deducted so far and they are providing flexi pay option. The financial charges and late fee charges are less. They have provided me a credit limit of Rs. 1.50 lakhs and there is a annual fee of Rs. 450. I am using the simplysave credit card.
      Was this review helpful? 0
      , agra
      Reviewed on Oct 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card which was directly taken through Bank .I am using this credit card for the past 6 months only.The credit limit was good and it was 30,000 and this is a chargeable card.I have got god cash back offers as well as reward points ,I have got my credit card on time without any hassle.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card which was taken through Bank direclty .This was a chargeable card and the credit limit was upto 57,000.I have got all the details about the card process .I am using this credit card for the past 3 months only .I have got all the details about the card process through the agent.
      Was this review helpful? 0
      , new delhi
      Reviewed on Oct 11, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank Of India credit card which was directly taken through Online .I am using this credit card for the past 2 months,This was a free card and there was good cash back offers and reward points .I have submitted all the required documents on time and there was no difficulties faced .The credit limit was very less and it was not sufficient.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 10, 2019
    • SBI Cards Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India credit card which was directly availed through Bank .I am using this card for the past2 .5 years,This was a free card and the credit limit was 50,000 it was good.There are good reward points as well as cash back offers ,I have got the credit card on time ,The agent gave all the required details about the card process,I am satisfied with the card.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 10, 2019
    • SBI Cards Credit Card
      "Useful Card"
      0.5 4.0/5 "Great!"
      From SBI, i am holding the BPCL credit card and i bought the card recently. SBI is good for rewards points. They have sent the card to my residential address by on time. They have given me a limit of Rs. 40000 and there is a yearly charges of Rs. 500. In Bharath petrol bunks, i get Rs. 5000 petrol is free for a year.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 09, 2019
    • SBI Cards Credit Card
      "Useful Card"
      0.5 4.0/5 "Great!"
      I have a simplyclick credit card from SBI. I get a rewards points on my purchase and the instant discounts on shopping. They have provided me a limit of Rs. 10000 and i use this card for more than 2 years but they have not increased the limit. They have a annual fee of Rs. 500.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 09, 2019
    • SBI Cards Credit Card
      "Service is not that much good"
      0.5 4.0/5 "Great!"
      In SBI, we do not have any proper website or mobile app. If i want to pay the credit card bill, it will directly take me to the third party page. From Bharath petrol bunk, i get the petrol waiver charges and recently i took one mobile with a 10% cashback offer. I took this card before 3 months ago. Branch people approached me for the credit card and they came to my place to collect the documents.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 09, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 3.0/5 "Satisfactory"
      My payments are on time in my SBI card hence I'm not aware of their charges. When i applied the credit card through the SBI app, they have dispatched the card in 1 week. My card variant is simplyclick and there is no annual fee on this card. They have given me a welcome gift of 2000 points.
      Was this review helpful? 2
      , chennai
      Reviewed on Oct 09, 2019
    • SBI Cards Credit Card
      "Okay Card"
      0.5 4.0/5 "Great!"
      I am holding the SBI credit card for last 6 months. They have delivered the card as per the promised time. They have provided me a credit limit of Rs. 40000. There is a annual fee of Rs. 1500 and it will not get waived off. They are sending the offer messages through mails.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 08, 2019
    Common Loader Icon
    reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.