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  • SBI Unnati Credit Card

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  • 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

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    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 card"
      0.5 4.0/5 "Great!"
      I have chosen SBI credit card since got the offers as well can get reward points.The credit limit was good and this was a chargeable card. This card i am using mostly for shopping and travel booking. I haven not faced any difficulties .Without any hassles got my credit card and this is useful on all situations and not sure about the interest.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2020
    • SBI Cards
      SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have SBI credit card which was taken through bank since have saving account this card was offered to me .I am using this credit card more than 10 years ,This was a chargeable card and cash back offers are there for fuel but i am not using this card for fuels .Each and every details about the card process was clearly shared by the agent .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "They should reduce the annual fee"
      0.5 5.0/5 "Blown Away!"
      Recently i have bought the TATA card from State bank of India. They are providing free medical insurance for the TATA card but they are charging me a huge annual fee of Rs. 2200 per annum where other banks are providing free credit card but they have not given me a much of credit limit also because its only Rs. 25000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "HDFC should give all features to everyone"
      0.5 5.0/5 "Blown Away!"
      Purchased my credit card from HDFC almost 2 years ago. They have given me a credit limit of Rs. 25000 in between they have reduced my credit limit hence I'm not sure about the credit limit. I'm getting movie ticket offer and in payzap app, I can get discounts for various product.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card which was availed through online .if purchased any products whatever offers shown online will be getting the same .This was a chargeable card and it is a simply save card .I am getting offers on movie tickets and airport lounge access.I am totally satisfied with the service so far.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have been holding SBI credit card more than 3 years. Applied through bank directly and the credit limit of Rs. 4.23L which is high and good. I use this card for fuel purpose, based on my usage I get good reward points. Customer service was excellent and i am paying annual charge Rs. 500.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have SBI credit card which was availed through online .I am getting vouchers but dont know how to use .The credit limit was really good ,I am getting movie ticket offers,airport lounge access are there but i have not utilised these source .I have submitted the documents as well as uploaded the documents.
      Was this review helpful? 0
      , pune
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good for people who travel"
      0.5 5.0/5 "Blown Away!"
      1 year ago, i have purchased the credit card from SBI. Since I'm traveling a lot, I'm using this card for filling fuel on the petrol bunks because i get fuel sur charges waiver. They gave me a credit limit of Rs. 28000 and they have charged me a annual fee of Rs. 499 and it will get waived off if i use the card for Rs. 2 lakh in a financial year.
      Was this review helpful? 0
      , kochi
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Feature card"
      0.5 5.0/5 "Blown Away!"
      SBI is giving very good offer because they are giving waiver on petrol. In online shopping, i get 10% discounts. I have a simply save credit card hence I'm receiving 10% discount on offline shopping. I used to pay the bill through Internet banking. I'm receiving the statement on time. I have not faced any issue till now.
      Was this review helpful? 0
      , kochi
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good one"
      0.5 4.0/5 "Great!"
      I am using SBI SIMPLY SAVE CARD more than 2 years, and it is a chargeable card. I am paying Rs. 499 and there is a no fee wavier, i am happy with the credit limit which they given Rs. 65k, from bank i applied this card. Customer service was good and also getting reward points that can be converted for shopping but not as a cash.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have SBI credit card which was availed through bank directly. The credit limit was Rs. 65k thats good. This is a FBB STYLE UP card this can be used for only FBB shopping and also i am getting rewards and that to instant discount in rewards. This is a life time free card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card which is very comfortable.There are discounts on flight bookings ,This was a hassle free process and satisfied with the credit limit .There are cash back offers as well as reward points .Everything is good on this credit card to me so far .
      Was this review helpful? 0
      , pune
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have been paying my bill on time for my SBI credit card so that i have not paid any late fee till now. They have provided me a simply click card with the low limit of Rs. 78000 which is not enough for me. I am swiping the card for fuel purpose and for purchases. They told me that the annual fee is Rs. 500 but if i exceeds the limit of Rs. 1 lakh, i don't need to pay it.
      Was this review helpful? 0
      , tirupur
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I have SBI credit card which was taken through Bank directly.This was a FBB style up card i am getting discounts on clothings and the credit limit was sufficient. This was a chargeable card and also i am getting equivalent amount of discounts .Everything is good on this credit card so far.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      SBI credit card given 10% discount on shopping. They are giving more reward points as well. I hold this card for nearly 1 year. They gave me a limit of Rs. 1.95 lakhs. I'm getting more offers on movie tickets and they are providing 2 free movie tickets every month. I'm having a Elite card from State Bank of India.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I am happy with SBI customer service because whenever try to contact its connecting on time to them . I have taken a credit card since i am working in bharath petroleum based on that i got this offer. This is a life time free card and also i am happy with the credit limit Rs. 75k. Mostly i use this card for shopping and also EMI conversion is avail.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 22, 2020
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have SBI credit card which was taken through bank only .Converting EMI option ,movie ticket offers and discounts for shopping are there.There was no difficulties faced so far on using .Since have more benefits it is much comfortable to use .I am totally happy with the credit card service .
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 21, 2020
    • SBI Cards Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have chosen SBI credit card for all emergency purpose .This was a chargeable card need to pay Rs.499 on yearly basis.I am getting fuel benefits as well as movie ticket offers which is really useful and much convenient.I am using this card almost 1.5 to 2 months only,
      Was this review helpful? 0
      , durgapur
      Reviewed on Jan 21, 2020
    • SBI Cards Credit Card
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card which was taken through online .Main benefit is getting updates on time. If I do any transaction I will be getting the updates it is very user friendly .I am satisfied with the credit limit and it will be good if the limit is enhanced .I am comfortable with the service so far.
      Was this review helpful? 2
      , faridabad
      Reviewed on Jan 21, 2020
    • SBI Cards Credit Card
      "Chargeable card with benefits"
      0.5 5.0/5 "Blown Away!"
      Its a simply save credit card from SBI which i have. They are providing encash loan facilities with the low rate of interest. The reward points criteria is very good which i can utilize for bill payment and purchase. They are providing departmental purchase, i will be getting 7% cashback and their app is very smooth to use.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jan 21, 2020
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