SBI Unnati Credit Card is a secured credit card issued against SBI fixed deposit with a minimum amount of Rs 25,000. This secured credit card features attractive milestone rewards, fuel charge waiver, cashback benefits, contactless advantage and much more. As with other secured credit cards, SBI Unnati Credit Card is beneficial for those who are new to credit or have poor credit scores or who cannot avail credit cards due to inadequate income or location. The pledged SBI FD would continue to earn interest for you. The card also comes with annual fee waiver for first 4 years.
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Safe & Secure FD, Insured by RBI
No Savings A/c Required
FD Starts from Rs 2000
Card Limit = 90% of FD
*Rates are subject to change as per the bank's discretion.
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Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit SBI Card’s website.
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SBI Unnati Credit Card Highlights |
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| Card Type | Secured Credit Card (Backed by FD) |
| Minimum FD | Rs 25,000 |
| Rewards | Earn 1 reward on every Rs 100 spend |
| Cashback Benefit | Cashback of Rs 500 if annual spends is Rs 50,000 or more |
| Annual Fee | NIL for the first 4 years; Rs 499 from 5th year onwards |
Last updated on 6 November 2024
Card limit is 90% of FD Amount
Instant Virtual Card
7%INTEREST ON FD
Card limit is 90% of FD Amount
Instant Virtual Card
7%INTEREST ON FD
| Fee/Charge | Amount |
| Annual Fee | Nil for the first 4 years |
| Renewal Fee | Rs. 499 (5th year onwards) |
| Add-on Fee | NIL |
| Finance Charges | 2.75% per month (33% p.a.) |
| Reward Redemption Fee | Rs 99 (on gifts, cash redemption, and specific vouchers only) |
| Outstanding Amount | Charges |
| Up to Rs 500 | NIL |
| Above Rs 500 to Rs 1,000 | Rs 400 |
| Above Rs 1,000 to Rs 10,000 | Rs 750 |
| Above Rs 10,000 to Rs 25,000 | Rs 950 |
| Above Rs 25,000 to Rs 50,000 | Rs 1,100 |
| Above Rs 50,000 | Rs 1,300 |
With over 24 million outlets globally including 3.25 lakhs outlets in India, SBI Unnati Credit Card comes with the following facilities:
Add-on cards are offered to parents, spouse, children or siblings above the age of 18
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Cardholders can get a draft/cheque against their cash limit through Easy Money facility and get it delivered to their doorsteps.
Electricity, telephone, mobile, and other utility bill payments can be easily done on the SBI Unnati Credit Card through the Easy Bill Pay facility.
Cardholders can withdraw cash from over 1 million Visa or MasterCard ATMs globally
Q. How can I apply for SBI Unnati Credit Card?
To apply for this credit card, you can visit the SBI Card’s website or go to the nearest branch of SBI Bank.
Q. What is the annual fee for SBI Unnati Credit Card?
The annual fee of this card is Nil for the first four years. However, 5th year onwards, customers have to pay the renewal fee of Rs. 499.
Q. Is it important to have a fixed deposit in order to apply for this credit card?
Yes, you should have a fixed deposit of Rs. 25,000 or more before you apply for this credit card.
Q. Are there any reward points given on using this credit card?
Yes, SBI Unnati gives 1 reward point on every Rs. 100 spent. Though cash advance, balance transfer and fuel transactions are not included in this reward program.
