SBI Unnati Credit Card, Features, Benefits, Apply Process

SBI Unnati Credit Card is a basic credit card that is offered by the State Bank of India specially for students and beginners. There is no requirement for a salary slip or income proof to apply for this SBI Unnati Card.

However, SBI Card Unnati is not an unsecured credit card. This credit card comes in the category of Secured Credit card as you need collateral to get approved for this Unnati Credit Card.

Read the full post below to know better about its features and benefits with in-depth information.

SBI Unnati Credit Card

SBI Unnati Card Features

SBI Unnati credit card comes with limited features that make it perfect to buy for a beginner or student with having no source of income. Below we have provided all the details.

Global Acceptance

Just like many other SBI Credit Cards, this Unnati Card is also accepted worldwide. You can swipe up this credit card abroad as well.

Contactless Feature

You are liable to do a contactless transaction of upto 2,000 rupees with SBI Unnati Card. This would help in avoiding card skimming or other security threats.

Add on Card

You can get an add on card free of cost for your family member who is above 18 years of age.

Utility Bill Payments

You can pay off your utility bill dues such as electricity bill, telephone bill, etc. with the SBI Unnati Credit Card.

Balance Transfer

SBI Unnati Card also comes up with a Balance Transfer facility. You can transfer your other credit card dues on your Unnati Credit Card and pay back the amount at low-interest rates in EMIs.

Read About Other Credit Cards

SBI Elite Credit Card

SBI Prime Credit Card

SimplySave SBI Card

Simply Click SBI Card

SBI Card Unnati Benefits

As SBI Unnati Credit Card is a no-fee card this comes up with limited benefits but still, it is best for a beginner to enjoy these benefits. Below you will see all the details.

No Fee Card

The prime benefit of SBI Card Unnati is that it is a no-fee card that means you can get this card for free of cost and there is no annual fee charged on this card for the first 4 years.

Reward Points

If you spend 100 rupees with this credit card you will get 1 reward point every time.

Milestone Benefits

If your yearly spending is 50,000 rupees or above then you will get 500 rupees of cashback. You will be notified within 15 days.

Fuel Surcharge Waiver

You are entitled to get a fuel surcharge waiver of 1% if you spend 500 to 3,000 rupees on fuel within India. The maximum fuel surcharge waiver will be 100 rupees per month.

SBI Unnati Credit Card Eligibility

If you want approval for SBI Unnati Card then you must meet the following eligibility criteria.

  • Applicants must be Indian citizens only.
  • The applicant’s age should between 18 years to 65 years.
  • SBI Savings Account
  • As this is a Secured Credit Card, you are required to have a fixed deposit of a minimum of 25,000 rupees for a minimum of 6 months.

Read More: SBI Credit Card Bill Payment

SBI Unnati Credit Card Documentation

Below we have provided the details of documents that are required to get approved for SBI Card Unnati.

  • 1 passport size photograph.
  • Proof of Address- Electricity Bill, Aadhar Card, Driving License, etc.
  • Proof of Identity- Pan Card, Voter Id, Aadhar Card, Driving License, or any govt. approved photo id.
  • Pan Card photocopy.

SBI Unnati Card Apply

There is no option to apply for SBI Unnati Credit Card online. You should walk into your nearest SBI Bank branch and have to submit the required documents for getting approval.

Read More: SBI Credit Card Application Status

Advantages and Disadvantages of SBI Unnati Card

There are certain advantages and disadvantages to this Unnati card. We have mentioned both of them below.

AdvantagesDisadvantages
1. Zero Fee Credit Card1. Secured Credit Card
2. Students can also apply for this credit card without Income Proof.2. A fixed deposit of 25,000 rupees for a
minimum of 6 months in your SBI Savings Account.
3. You will get interest on your fixed deposit as well.3. Not a good option for those who are looking for a good amount of reward points.

SBI Unnati Credit Card Annual Fees & Other Charges

Given below are the details of SBI Unnati Card Annual Fees and other charges. Read the full details below.

Type of Fees & ChargesAmount To Be Paid
Joining FeesFree
Annual FeesNil for the first 4 years & Rs. 500 from the 5th year.
Cash Advance LimitA maximum of 80% of your total credit limit,
with a maximum of 12,000 per day.
Cash Advance Fees2.5% or a minimum of 500 rupees on domestic and
international ATMs.
Cheque Payment FeesRs.100 per transaction
Late Payment FeesRs. 0 to a maximum of 950 rupees depending
on the due amount

SBI Credit Card Helpline Number

If you still have queries and questions regarding this credit card then you can dial the following SBI credit card helpline number.

  • Dial 39 02 02 02 (prefix your area code)
  • 1860 180 1290

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SBI Credit Card Customer Care Number

SBI Customer Care Number

About This Post

We have published this post for providing all the general information related to SBI Unnati Credit Card with all the proper details. You would witness the benefits, features, eligibility criteria, and fees structure of SBI Card Unnati in this post.

The details provided in this post will help you to better understand this Unnati Credit Card and you would understand whether to buy SBI Unnati Card or not.

Conclusion

Our opinion about this credit card is that if you are a beginner or a student then you can go for this credit card as it is free to apply and comes up with zero annual fees. Though it is a Secured Credit Card, beginners or students can go for this credit card.

Moreover, to apply for this credit card you do not require to provide piles of documents. You only need a fixed deposit of 25,000 rupees in your SBI Savings Account. You would also earn interest on your fixed deposit as well.

FAQs (Frequently Asked Questions)

Is SBI Unnati Card is Unsecured Credit Card?

No, SBI Unnati Card is not an Unsecured Credit Card. This is a secured credit card and you need to have a fixed deposit of 25,000 rupees in your SBI savings account as collateral.

Can A Student Apply For SBI Unnati Credit Card?

Yes, a student can also apply for this Unnati credit card.

What is the minimum age to apply for this SBI Unnati Credit Card?

The minimum age to apply for SBI Card Unnati is 18 years.

What is the joining fee and annual fee of the SBI Unnati Credit Card?

The SBI Unnati Card is a Zero Fee card that comes with no joining fee and annual fee. However, you have to pay 500 rupees as an annual fee from the 5th year onwards.

Disclaimer: All the information published here are for informational and educational purposes only. Moreover, all these information are researched from official sources. However, we will not warranty the information to be accurate and completed. Do not share your bank details or personal details in the comment box. For more queries visit the official website.

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