SBI Unnati Credit Card- Free For 4 Years

SBI Unnati Credit Card is a secured credit card best suited for shopaholics. This card is issued against a minimum fixed deposit of Rs. 25,000 and comes with no annual fee for the first 4 years.

Read more to know about the unique features and benefits of this card in detail:

SBI Unnati Credit Card Quick Recap

Basic Components Card Details
Minimum Fixed DepositRs. 25,000 Required
Age18 years
Joining FeesNIL
Annual Charges(First 4 years): NIL
Add-on FeeNIL
Rewards Points1 Rewards Points for every Rs. 100 Spent
EligibleSelf-Employed / Salaried Person
Also Read: Top 5 Credit Cards in India

Benefits of SBI Unnati Credit Card

Zero Fee Card: You’ll only need to pay an annual fee of Rs 499 for the first four years. Active after the fifth year, this will be a smoother transition.”

Reward Points: With a minimum of 1 reward point for every Rs. 100 spent, it’s easy to earn points and redeem them against a wide variety of gifts from the Rewards Catalogue.

Extra Rewards: Every year, millions of people shop online for various products and services. If you are one of them, then you might be familiar with the hassle of making your shopping lists and navigating through each page to find the best deals. Milestone Rewards is a program that helps shoppers save time while they make their spending plans by offering cash back on purchases made on a monthly basis.

Fuel Surcharge Waiver: Fuel surcharges on fuel purchases are a common practice used to fund the operations of the Government of India. However, a new product launched by Indian Oil Corporation Limited has made fuel acquisition even more affordable for consumers. The company has started offering a 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3,000.

Fully Secured Credit Card: The card is issued with a lien on a fixed deposit of Rs. 25,000 or more.

Accepted Everywhere: SBI Unnati has had a great year, as it was accepted by over 24 million outlets across the globe. This is a record of sorts for Unnati and will help it grow even more. In India alone, they have been accepted by 3,25,000 outlets this year.

Low-Cost Renewal Fee: After the initial fee-waiver period of 4 years, you can still renew this card for an annual fee of Rs. 499

Also Read: 5 Best Credit Card in India

Documents Required For SBI Unnati Card

  • Pan Card
  • Aadhaar Card
  • Bank Account
  • Income Proof (Salary Slip for salaried person or IT File, Trade License for Self Employed)

Fees & Charges for SBI Unnati Credit Card

SBI Unnati Credit Card offers a wide range of benefits on an interest-free basis. With this credit card, you can explore the world of travel and leisure with a wide range of privileges and privileges.

Annual FeeFirst 4 years of NIL
Renewal FeeRs. 499 (5th-year Charges)
Interest & Charges3.5% per month (42% p.a)
Late Payment ChargesUp To Rs. 500 – Nil
Rs. 500 up to Rs. 1,000 – Rs. 400
Rs. 1,000 up to Rs. 10,000 – Rs. 750
Rs. 10,000 up to Rs. 25,000 – Rs. 950
Rs. 25,000 up to Rs. 50,000 – Rs. 1,100
Amount over Rs. 50,000 – Rs. 1,300
Also Read: RBL MoneyTap Credit Card

Eligibility of SBI Unnati Credit Card

  • You should be 18 years old
  • Should be a source of income
  • Required minimum Rs. 25,000 fixed deposit

How To Apply For SBI Unnati Credit Card

  • Visit the Nearest SBI branch or go to the SBI website with all documents
  • The SBI branch manager will check the basic criteria.
  • After eligibility, you should fill up the application form for SBI Unnati Card and submit all the documents with the applicant’s passport photo.
  • It will take 20 to 30 days to get the Unnati Credit Card.
Also Read: Slice Credit Card Apply

FAQs of SBI Unnati Credit Card