SBI Unnati Credit Card
The State Bank of India (SBI) has introduced the Unnati card, a new credit card. An account holder with a balance of Rs.25,000 or more is eligible for the Unnati card. For the first four years, SBI will not collect an annual card fee. In addition, the card comes with a slew of perks. Unnati card might be the ideal alternative for individuals who wish to use a credit card for basic necessities such as paying utility bills, making payments, shopping, and so on, thanks to its use at over 24 million outlets and attractive reward points.
SBI intends to make the application process as simple as possible for the benefit of the general public. If an application for an Unnati card is submitted, the bank will approve the application based on the KYC documentation; no underwriting or bank balance history will be required.
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.
- Eligible for reward points when the card is used. The rewards can be redeemed later against a wide range of gifts.
- 1% of the fuel surcharge fee waived for each fuel purchase transaction between Rs.500 and Rs.3000.
- Issued to individuals based on their SBI fixed deposit which can be in the range from Rs.25,000 to Rs.5 lakh.
Additional Benefits of SBI Unnati Credit Card
The Unnati card is accepted in over 3,25,000 establishments across India. The cardholder can also obtain an add-on card for members of his or her family. Most banks will check a person's credit report or credit score when they apply for a credit card or a loan; however, SBI is poised to shift the credit market's trend. Unnati card will be one of the best credit cards available, with a wide range of features that can be gotten quickly and easily.
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:
Step 1: Visit the nearest SBI branch and fill out an application form and provide the required documents.
Step 2: Call the SBI helpline for assistance on the application process.
Fees and Charges of SBI Unnati Credit Card
Type of Charge | Fee |
Annual Fee (5th Year Onwards) | Rs.499 |
Add-on card | Nil |
Finance Charges | Up to 3.50% 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 transaction amount subjected to a minimum value of Rs.500 |
Cash Advance Fee at other bank ATMs | 2.5% of the transaction amount subjected to a minimum value of Rs.500 |
Cash Advance Fee at International ATMs | 2.5% of the transaction amount subjected to a minimum value of Rs.500 |
Cash Payment Fee | Rs.100 |
Payment Dishonour Fee | 2% of payment amount subject to a minimum amount of Rs.500 |
Cheque Fee | Rs.100 |
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.600 |
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 |
Eligibility Criteria for SBI Unnati Credit Card
The SBI Unnati credit card eligibility criteria are based on the applicant's age, employment status, and other considerations. Please contact the bank for details on the credit card's qualifying requirements.
SBI Offers Credit Card for Individuals Without Credit History
We all know that having a strong credit history is required when applying for a credit card, and that without one, getting one is tough. To solve this problem, the country's largest public sector bank has launched an initiative under which those with no credit history or who are new to credit would be given a 'SBI Unnati' credit card if they deposit a minimum of Rs.25,000 with the bank.
FAQs on SBI Unnati Credit Card
- How do I apply for the SBI Unnati Credit Card?
You can apply for the SBI Unnati Credit Card through the official website of SBI Card. Alternatively, you can also visit one of the nearest SBI branch offices and apply for the same.
- Are there any annual fee on the SBI Unnati Credit Card?
Yes, there is an applicable annual fee on the SBI Unnati Credit Card. However, this fee will be applicable only after the first 4 years.
- What is the Reward Points structure on the SBI Unnati Credit Card?
The Rewards Points structure on the SBI Unnati Credit Card offers 1 reward point for every Rs.100 spent on the card. However, you cannot avail the reward points for transactions related to cash advances, fuel transactions, and balance transfer.
- Do I need to have a fixed deposit with the bank in order to avail the SBI Unnati Credit Card?
Yes, you will be required to maintain a fixed deposit account with a minimum of Rs.25,000 as its balance before you can apply for the SBI Unnati Credit
- I have misplaced my SBI Unnati Credit Card. What should I do next?
If you have lost or misplaced your SBI Unnati Credit Card, you should contact the SBI Card customer care at the earliest and inform the same. The card will be blocked immediately and a fresh card will be issued for you.
- I found the SBI Unnati Credit Card which I had misplaced earlier. Can I use it again?
No, you cannot use a credit card which has already been reported to be missing and has been blocked. If you happen to find the card after misplacing it, you should just cut the card through the middle of the magnetic strip and dispose it off.
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