SBI Unnati Credit Card

The State Bank of India launched a new credit card called the SBI Unnati Credit Card. The Unnati card is available to account holders having a balance of Rs.25,000 or more. SBI will not charge an annual card fee for the first 4 years. Furthermore, the card comes with a bevy of benefits.

Due to its use at over 24 million outlets and excellent reward points, the Unnati card may be the right option for consumers who want to utilize a credit card for basic needs such as paying utility bills, making payments, shopping, and so on.

sbi unnati credit card.png

Image Source: SBI Official website

Key Highlights of the Credit Card

Annual Charges

0

Renewal Charges

Rs. 499

Suitability

Shopping

Rewards

Rs. 500 cashback in 15 days of achieving the yearly SBI Unnati credit card limit of spending.

SBI Unnati Credit Card Benefits and Features

  • The card provides a 1% fuel surcharge waiver on fuel purchases between Rs.500 and Rs.3,000.
  • Attractive rewards program with 1 Reward Point for every Rs.100 spent on the card.
  • For each fuel purchase transaction that is between the amount of Rs.500 and Rs.3000, 1% of the fuel surcharge fee is waived.
  • Individuals are granted loans depending on their SBI fixed deposits, which can vary from Rs.25,000 to Rs.5 lakh.
  • If your annual card spending exceeds Rs.50,000, you will receive an Rs.500 cashback.
  • Accepted in over 24 million merchant outlets worldwide.
  • Add-on cards are available for family members such as parents, elders, children over the age of 18, siblings, or a spouse.
  • Transform expenses charged to your card into Flexipay to simplify payback for purchases exceeding Rs.2,500. Simply convert any outstanding payments in excess of Rs.2,500 into EMIs to make repaying your debts more reasonable.
  • It may be used to withdraw cash from over 1 million Visa and MasterCard ATMs worldwide.
  • There is no annual cost for the first four years.
  • When the card is used, you are eligible for reward points. The rewards can be redeemed later for a variety of gifts.
  • Use the card to pay utility bills.
  • Allows the user to transfer the balance of other credit cards to the SBI card Unnati.
  • Enables consumers to convert transactions into low-interest EMIs.
  • Customers can obtain a draft or a cheque in the amount of their cash limit.

Fees and Charges of the SBI Unnati Card

Annual Charges

0

Renewal Charges

Rs. 499

Finance Charges

33% per annum

Late Payment Charges

  • Rs. 500 - Rs. 400.
  • From Rs. 1,000 to Rs. 10,000 - Rs. 750.
  • Rs. 10,000 to 25,000 - Rs. 950.
  • Rs. 25,000 - Rs. 1100.
  • Amounts greater than Rs. 50,000 - Rs. 1,300.

Eligibility to Opt for the SBI Card Unnati

The applicants for the credit card need to fit into the eligibility criteria listed below-

Income

More than Rs. 25,000

Occupation

Self Employed or Salaried

Residence

Indian

Documents Required to Apply for the SBI Card Unnati

The following documents will be required to apply for the card-

  • ID Proof: PAN, Aadhaar, Voter ID, Driver's license, and more.
  • Income Proof: Bank statement, salary slip, and more.
  • Address Proof: Aadhaar, Passport, Utility Bills, and more.

SBI Unnati Credit Card Apply

You could easily apply for the credit card in one of the following ways-

  1. a) Go to the local SBI branch and fill out an application form along with the necessary papers.
  2. b) Contact the SBI helpline for application assistance.

Other SBI Credit Cards

SBI Elite Credit Card

BPCL SBI Card

CASHBACK SBI Card

IRCTC SBI Card

SBI Prime Credit Card

SBI Card PULSE

SimplyCLICK SBI Credit Card

SBI Unnati Credit Card

SBI SimplySave Credit Card

SBI Shaurya Credit Card

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