SBI Unnati Credit Card is a Lifetime Free credit Card & No Annual Fee is levied. The card come at nil annual fee for first four years and a renewal fee of just Rs. 499. You get 1 reward point for spending every Rs. 100. Also, there is a Rs. 500 cashback available within 15 days of achieving annual spending limit.
Zero Fee Card for all SBI account holders
Whether you have an SBI Account or SBI Fixed Deposit, you are preapproved for SBI Unnati Credit Card. SBI Unnati Card comes as a free Credit Card for all account holders including accounts under Pradhan Mantri Jhan Dhan Yojana.
Free for four Years
SBI Unnanti Card is absolutely free for the first four years of Card's life. There is no annual charge or renewal fee for your card for the first four years. Thus there is no additional cost attached with this zero fee card.
Secured Credit Card
SBI Unnati Card is issued as a secured Credit Card. With a fixed deposit of Rs. 25,000 or more, you become eligible for SBI Unnati Card.
SBI Unnati Card is a one-of-its-kind free Credit Card that can be used globally in over 24 million outlets. The card can be used in 3,25,000 outlets in India.
Contactless Advantageand thus you can use your card simply by waving at a secure reader. The transactions are faster, safer as well as more convenient. You need not hand over your card physically, and thus the transactions through SBI Contactless Credit Cards are more secure.
Earn 1 Reward Point for every 100 spent on your card. The Reward Points earned can be easily redeemed against a wide array of gifts listed in the SBI Rewards Catalogue.
Annual Rs. 500 Gift Voucher:
With your SBI Unnati Card, you earn a cashback of 500 on achieving an annual milestone of 50,000 or more spends in a year. In other words, your Unnati Card becomes absolute free for lifetime with this cashback offer as from the fifth year onwards only an annual charge of Rs. 499 is levied.
Saving on Fuel Refill:
With your SBI Card Unnati, you get a waiver of 1% fuel surcharge on each fuel refill all across the country. To avail the offer, each transaction must be between 500 to 3000, exclusive of applicable GST & taxes.
You can apply for a free Add-On Credit Card with SBI Unnati Card. The Add On Card can be requested for any of your family members above the age of 18.
Cash on the Go:
With your SBI Credit Card, you enjoy the ease of withdrawing money on the go. You can access over 1 million Visa or MasterCard ATMs across the globe.
Utility Bill Payment Facility:
With your Unnati SBI Card, you can set standing instruction to pay your utility bills such as electricity bill, telephone bill, mobile bill/recharge, insurance premium and more.
Balance Transfer on EMI:
SBI Unnati Card is also packed with BT on EMI facility. It facilitates you to transfer your other banks' cards to Unnati Card at a lower interest rate, fixed at easy instalments. You can conveniently request for the facility by logging online on your SBI Credit Cards Account.
Your SBI Credit Card Unnati also offers Flexipay facility wherein you can easily convert your transactions into easy monthly instalments. You can convert purchases worth 2,500 or more within 30 days under Flexipay. This can also be requested online.
With your SBI Unnati Card you can use Easy Money facility, and request advance against your cash limit. The draft or cheque will be delivered to your doorstep. Thus you need not apply for small Personal Loan, rather simply opt for Easy Money.
To apply for SBI Unnati Card, you need to fulfil the following requirements:
Additional Info: Looking for SBI Credit Card Eligibility? Check EMI & Apply.
SBI Unnati offers various attractive features and benefits. The process of SBI Unnati lifetime free credit card application is easy. You can apply for the card online on our website by following the steps mentioned below:
Additional Info: Check SBI Credit Card Customer Care.
|Annual Fee (First 4 years)||NIL|
|Add-on Fee (per annum)||NIL|
|Finance charges||Up to 2.50% per month~ 30.0% per annum |
*calculated from the day of transaction/withdrawal
|Cash withdrawal from SBI ATMs or other ATMs||2.5% of the amount, a minimum of 300|
|Cash withdrawal from International ATMs||3% of the amount, a minimum of 300|
|Cheque pick up||100|
|Cheque Fee (up to 10,000)||100|
|Payment Dishonor fee||2% of the amount, a minimum of 450|
|Statement retrieval (two or more months old)||100 per statement|
|Overlimit||2.5% of over limit, a minimum of 500|
|Emergency card replacement, (abroad)||Actual cost, minimum of $175|
|Foreign currency conversion mark up||3.5%|
|Dynamic Currency Conversion markup Fee||3.50%|
|Rewards redemption fee||99|
|Priority Pass Lounge Charges||Within India: $27 per visit + applicable taxes. |
Outside India: $27 per visit + applicable taxes.
**Charges applicable post exhaustion of complimentary visits. All guests accompanied by the SBI Cardholder with Priority Pass will also be charged with a usage fee of $27 per visit + applicable taxes.
|Cash Payment fee||100|
|Surcharge on booking railway tickets through counter||30 + 2.5% of transaction|
|Surcharge on booking Railway tickets through irctc.co.in||1.8% of transaction + applicable taxes|
Additional Info: Also check CIBIL Score for Credit Card
|Total Due||Late Payment Charge|
|0 - 200||NIL|
|200 to 500||100|
|500 to 1000||400|
|1000 to 10,000||600|
|10,000 to 25,000||800|
|Amount greater than 25,000||950|
For any queries, suggestions & feedback, you can contact SBI Card helpline at:
39 02 02 02 (prefix local STD code) or 1860 180 1290 (Toll Free Number)
Alternatively, you can send SMS "HELP" to 5676791 from the registered mobile number. Or, SMS "PROBLEM" to 9212500888 and you will get a call back within 24 hours.
You can also write to the Head office:
SBI Card, Correspondence Department,
DFL Infinity Towers, Tower C,
10-12 Floor, Block 2, Building 3,
DFL Cyber City, Gurgaon- 122002, Haryana, India
Additional Info: Check SBI Credit Card Customer Care.
If your meet the SBI Unnati credit card eligibility criteria mentioned above, you need to submit the following documents:
Additional Info: Also check SBI Balance Check Number
You will earn 1 Reward Point for spending every Rs. 100 on your SBI Unnati credit card. The Reward Points earned can be easily redeemed against a wide array of gifts listed in the SBI Rewards Catalogue.
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Apart from SBI Unnati, SBI SimplySave, SBI SimplyClick, SBI Card Prime, and SBI Elite Card are the most popular credit cards in SBI.
The minimum salary requirement to get SBI credit card is Rs. 20,000 or above.
The Unnati or SBI Unnati credit card is a zero-fee credit card offered by the State Bank of India. This card is free for the first four years, which means the user does not need to pay annual charges for the first 4 years.
Yes, you should have a fixed deposit of at least Rs. 25,000 or above to apply for the SBI Unnati credit card.
Under the Rewards Points structure for the SBI Unnati Credit Card, you get 1 reward point for spending every Rs. 100 on the card. However, the reward point cannot be availed for transactions related to cash advances, fuel transactions, and balance transfer.
State Bank of India (SBI) has launched the SBI Unnati credit card, which is provided to an account holder who has an account balance of at least Rs. 25,000. SBI does not charge any annual fee for the first four years on this card.