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Priya has recently applied for the SBI Unnati Credit Card, a secured card with a minimum deposit of ₹25,000. She enjoys benefits like cashback, waiver of fuel surcharge, and easy reward point redemptions.
Let's see how it happens
Priya's purchase: She spent ₹20,000 on her card, earning 200 reward points (1 point for each ₹100).
Flexipay: Priya converted her ₹10,000 smartphone purchase into manageable monthly installments via Flexipay.
SBI Unnati is most appropriate for credit beginners or low-income individuals.
The SBI Unnati Credit Card is a secured card with a minimum fixed deposit of ₹25,000. It provides rewards, cashback, fuel rebates, and contactless payments. With no annual fee for the first four years, it's perfect for those with little credit history.
The SBI Unnati Credit Card is a secured credit card offered by the State Bank of India (SBI) to individuals with a minimum fixed deposit of ₹25,000. It offers milestone rewards, cashback benefits, and fuel charge rebates. The card also offers a contactless payment facility for added convenience.
Read More – SBI Simply SAVE Credit Card
The security-held fixed deposit continues to earn interest. There is no annual fee for the first four years of using a card; therefore, it is affordable for users. It is a good choice for people with poor credit history, credit beginners, or people who cannot obtain a credit card due to low income or geolocation. Eligibility requires an SBI fixed deposit of ₹25,000 or more.
Fuel surcharge waiver | SBI Unnati credit card provides a 1% fuel surcharge rebate on purchases ranging from ₹500 to ₹3,000.
You receive an upper limit of ₹100 waiver per statement cycle.
How is it given? The waiver is given for every fuel purchase, but it does not cover GST or other fees.
You get a complete waiver of maximum ₹100 per month. |
Cashback | The SBI Unnati credit card rewards you with a ₹500 cashback if you have spent ₹50,000 or more in one year. The cashback is credited to you within 15 days of meeting the spending milestone. How do I get cashback?
Cashback is credited to your account automatically and reflects on your monthly statement. |
To apply for the SBI Unnati credit card, you need to meet these eligibility criteria:
Have an SBI account with a minimum deposit of ₹25,000
You will also need to supply the following documents:
Evidence of income, such as salary vouchers or Form 16
Excessive recent credit card requests
Check the form for accuracy and submit it along with the required documents.
Here’s the information about the SBI Unnati Credit Card fees and charges in a table format:
Type of Charge | Fee |
Annual Fee (5th Year Onwards) | ₹499 |
Add-on Card | Nil |
Finance Charges |
Free Credit Period
Nil
Cash Advance Fee at SBI ATMs
2.5% of transaction (Min ₹500)
Cash Advance Fee at Other Bank ATMs
2.5% of transaction (Min ₹500)
Cash Advance Fee at International ATMs
It is applicable for all membership years.
This cashback is a one-time reward and does not accrue toward the Reward Points Program.
Reward redemption | Redeeming reward points on the SBI Unnati credit card allows you to redeem your reward points through gifts, cash, or other advantages. Redeeming reward points: Login to sbicard.com. Proceed to the Rewards section. Click on "Redeeming Reward Points." Navigate through the rewards catalogue and select an item. Click "Redeem now" and confirm.
Alternatively, you can redeem points by contacting SBI credit card customer care.
What can you redeem points for? Gifts from the SBI Rewards Catalog Cash Air Miles to purchase flight tickets
How do you get reward points?
You get 1 reward point for each ₹100 spent using your card. You also receive ₹500 cashback if you spend ₹50,000 or more within a year.
Let’s understand it with the help of an example:
Let’s say, Priya, who just spent her SBI Unnati credit card on purchasing ₹20,000. This is how she redeemed her points:
Steps taken by Priya:
Priya spent ₹20,000, earning 200 reward points (1 point for each ₹100 spent). She went to sbicard.com and chose a gift worth ₹1,000 from the reward catalog. Priya clicked on "Redeem now" and approved the redemption.
How Priya got points:]
₹20,000 spent = 200 points. She also got back ₹500 as cashback on spending ₹50,000 in one year. Priya enjoys her present, courtesy of her points now.
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Contactless payment | Contactless payment on the SBI Unnati credit card allows you to make payments simply by waving your card on top of a contactless reader. Swipe or PIN no more for payments of up to ₹5,000.
The process is quite simple: See the contactless symbol on the payment terminal. The merchant enters the value of the purchase. Wave your card above the reader to pay.
Advantages of contactless payment:
Convenience: No need to part with your card or give out cash. Security: The card remains with you, eliminating risk of loss or fraud.
Alternate contactless modes of payment:
You may also use the SBI Card Pay application to pay through your Android smartphone. The Bharat QR process can be applied to make a contactless payment.
Disadvantages of contactless payment
There are dangers such as fraud or unauthorised spending if your card or device is stolen or lost.
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Interest-free credit period | The SBI Unnati credit card provides an interest-free 20 to 50 days. This duration begins after your statement is prepared and is concluded on the due date.
How does the interest-free period function? You will not be charged interest on the purchases during this time. The interest-free period will not be applicable if you fail to pay the last month's balance in full. On cash advances, interest is charged from the transaction date until you repay.
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Easy Money | You can get a draft or cheque against your cash limit and deliver it to your doorstep. |
Balance Transfer | The balance transfer option on the SBI Unnati credit card allows you to transfer your pending credit balance from other banks to your SBI card. This can be transferred at a reduced interest rate and repaid in EMIs.
Advantages of balance transfer: Lower interest charges: Pay less money for your credit card payment. Repayment flexibility: Repay your balance using simple EMIs. Consolidate debt: Pay off your credit card debt into a single account for more straightforward repayment.
How to transfer balance: Sign in to sbicard.com using your user ID and password. Request a balance transfer.
Additional information:
The balance transfer facility is open only to the primary cardholder. You may cancel the balance transfer within 45 days of making the request. Your previous credit card will have either a zero balance or the outstanding amount not transferred after the transfer.
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Bill Payment | The SBI Unnati credit card has the Easy Bill Pay facility, which allows you to pay your electricity, mobile, telephone, and other bills online.
Steps to use Easy Bill Pay:
Login to your account at sbicard.com. Pay your bills using the Easy Bill Pay feature.
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Flexipay | The SBI Unnati credit card comes with the Flexipay facility that allows you to convert your spend into easy monthly payments.
Steps to use Flexipay: Do a purchase worth a minimum of ₹2,500 through your SBI Unnati credit card. Log in to sbicard.com within 30 days from making the purchase. Convert the transaction into Flexipay.
Benefits of Flexipay:
Competitive rates of interest Repayment as per convenience One-time processing charge of 1%, to a maximum of ₹2,000
To whom is Flexipay available? Existing SBI credit cardholders are allowed to use Flexipay. Blocked or overdue cardholders are not allowed to use Flexipay.
Let’s understand it with the help of an example:
Let’s say, Rahul, who recently purchased a smartphone worth ₹10,000 on his SBI Unnati credit card. Rahul wishes to pay for this purchase in installments through Flexipay.
Steps Rahul took:
Rahul spent ₹10,000 on his card. He logged into sbicard.com within 30 days. He converted ₹10,000 to Flexipay.
Benefits Rahul gained: Interest rate: 1.5% per month. Repayment flexibility: He opted for a 6-month plan. Processing fee: 1% of ₹10,000 = ₹100. Now, Rahul pays ₹1,710 every month (₹10,100 ÷ 6).
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Up to 3.50% per month
Interest-free Credit Period | 20 to 50 days |
Cash Advance Limit | Up to 80% of credit limit (Max ₹12,000/day) |
*T&C Apply
2.5% of transaction (Min ₹500) |
Cash Payment Fee
₹100
Payment Dishonour Fee
2% of payment amount (Min ₹500)
Cheque Fee
₹100
Card Replacement Fee
₹100
Emergency Card Replacement (Abroad)
Actual cost, Min $175
Foreign Currency Transaction Markup
3.5%
Rewards Redemption Fee
₹99
Over Limit Charges
2.5% of amount (Min ₹600)
Railway Tickets (Counter)
₹30 + 2.5% of transaction
Railway Tickets (Online Portal)
1.8% of transaction + service charge
Fuel Surcharge Waiver
1% waiver for transactions ₹500 to ₹3,000
Do's:
Beware of late payments, collection calls or mail from credit agencies, and credit denied or rescinded—these may damage your credit history.
Don'ts:
Don't close credit cards improperly, as this may impact your credit score.
You can reach SBI Credit Card customer care for your SBI Unnati Credit Card by calling:
39 02 02 02 (prefix with your local STD code)
Email at gm.customer@sbi.co.in.
For any other query or help.
Also Read - SBI Zero Balance Account
Accessible from mobile as well as landline numbers from all over India.
The SBI Unnati Credit Card is ideal for those initiating their credit experience or with constrained income. Featuring a minimum required deposit of only ₹25,000, the card provides reward points such as cashback, fuel surcharge rebates, and hassle-free redemption of rewards.
Priya's experience attests to the ease of receiving rewards and taking advantage of Flexipay for flexible payments. With no annual fee for the first four years and features like contactless payments, this card makes managing finances easy and affordable. So, whether you’re a credit beginner or looking for better control over your spending, the SBI Unnati card is the perfect fit.
Q1: What are the features of the SBI Unnati Credit Card?
The SBI Unnati Credit Card is accessible to withdraw cash from more than 1 million Visa or MasterCard ATMs. The card can also be utilised to pay utility bills. Also, it enables you to transfer the due balance of other credit cards to the SBI Unnati card. Furthermore, the card offers you an option to convert your purchases into convenient EMIs for better manageability.
Q2: What is the annual charge for the SBI Unnati Credit Card?
The SBI Unnati Credit Card's annual charge is ₹0 for the initial four years. Beginning from the 5th year, a renewal charge of ₹499 will be charged.
Q3: What are the advantages of a no annual fee credit card?
A no annual fee credit card provides many exclusive advantages such as special savings on dining, travel, shopping, and entertainment. It includes access to discounts, rewards, and cashback, allowing you to get more value without having to pay for an annual fee.
Other Credit Cards | ||||
