About SBI Unnati Credit Card
SBI Unnati is a secured entry-level credit card designed for users who want to build their credit profile. This SBI credit card is issued against a fixed deposit of ₹25,000 and works well as a basic reward credit card, offering 1 reward point per ₹100 spent on eligible transactions.
You can redeem the accumulated points against products from the rewards catalogue. The card also offers a milestone benefit of ₹500 cashback on annual spends of ₹50,000, along with a 1% fuel surcharge waiver. Another advantage is that there is no joining or annual fee for the first four years.
However, beyond basic rewards and cashback, the card does not offer additional lifestyle, travel, or shopping benefits. Overall, it is best suited for beginners looking to build credit rather than maximize rewards.
Also Read: Best Credit Cards in India
SBI Unnati Credit Card Rewards Program
Other Features and Benefits
Milestone Benefit
- Get ₹500 cashback on ₹50,000 annual spends
Fuel Benefit
- Get 1% fuel surcharge waiver up to ₹100 per month on spends between ₹500–₹3,000
Also Read: Best Fuel Credit Cards
Fee Benefit
- No joining or annual fee for the first 4 years
Other Feature
- Enjoy contactless tap-and-pay transactions
Fees and Charges
| Particulars | Amount |
|---|
| Joining Fee | Nil |
| Annual Fee | Rs. 499 + Taxes (5th year onwards) |
| Finance Charges | 3.75% per month (45% p.a.) |
| Late Payment Fee | | For Statement Balance: | | | Less than Rs. 500 | Nil | | Rs. 500 to Rs. 1,000 | Rs. 400 | | Rs. 1,000 to Rs. 10,000 | Rs. 750 | | Rs. 10,000 to Rs. 25,000 | Rs. 950 | | Rs. 25,000 to Rs. 50,000 | Rs. 1,100 | | Above Rs. 50,000 | Rs. 1,300 |
|
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Document Required For SBI Unnati Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
SBI Unnati Credit Card Highlights
What do we like about this card?
- Earn 1 reward point per ₹100 on all spends
- Get ₹500 cashback on ₹50,000 annual spends
- Save with 1% fuel surcharge waiver up to ₹100 per month
- No joining or annual fee for the first 4 years
- Enjoy easy contactless payments for daily transactions
Things to Know Before you apply
Get this card if:
- You are new to credit and want to build or improve your credit score
- You are not eligible for unsecured credit cards
- You want a simple card with basic benefits and low cost
Pros
- Earn 1 reward point for every ₹100 spent
- Save up to ₹1,200 annually on fuel surcharge waiver
- No annual fee for the first 4 years
Cons
- No lifestyle, shopping, or travel benefits
- No welcome benefits offered
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
- Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
- Simply SMS: Send an SMS to 5676791 from your registered mobile number
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Frequently Asked Questions
If you close your FD, the card will stop working since it is issued against that deposit.
No, this card does not require a credit score. It is designed for beginners, as the FD acts as security instead of a credit check.
No, a savings account is not required. You can open a fixed deposit of ₹25,000 or more with SBI and apply for the card.
Yes, you can increase your limit by increasing your fixed deposit amount. You can visit an SBI branch and request a limit enhancement.
