SBI Unnati Credit Card
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Joining Fee
Renewal Fee
Best Suited For
Reward Type
Welcome Benefits
Movie & Dining
NA
Rewards Rate
1 reward point per Rs 100 you spend
Reward Redemption
1 RP = Rs 0.25 on redemption against a host of gifts and benefits at the SBI Card rewards catalog.
Travel
NA
Domestic Lounge Access
NA
International Lounge Access
NA
Golf
NA
Insurance Benefits
NA
Spend-Based Waiver
NA
Rewards Redemption Fee
Rs 99 per redemption request
Foreign Currency Markup
3.5% on the conversion amount
Interest Rates
3.5% per month ( 42% per annum)
Fuel Surcharge
1% surcharge waiver on all fuel purchases using the SBI Unnati credit card
Cash Advance Charges
2.5% on the amount withdrawn subject to a minimum charge of Rs. 500
- No Annual Charges (For first four years)
- 1 Reward Point per Rs 100 you spend
- Rs 500 cashback on annual spending of Rs 50,000 within 15 days
- 1% surcharge waiver applicable on fuel transactions above Rs. 500 (below Rs. 4,000).
SBI Unnati Credit Card Features & Rewards
SBI Unnati Credit Card Rewards
1 Reward point per Rs. 100 you spend is earned on all categories with an SBI Unnati credit card.
Reward Redemption
The reward points earned using the SBI Unnati credit card are redeemable against a number of gifts and benefits in the SBI Card reward catalogue.
Milestone Benefits
Get Rs. 500 cashback on spending Rs. 50,000 or more in a year. The cashback is provided within 15 days of reaching the milestone.
Other Benefits
- You get a 1% waiver on surcharge applicable on all fuel transactions between Rs. 500 and Rs. 3000. A maximum waiver of Rs 100 per statement cycle.
- No annual fee is charged on this SBI Unnati credit card for the first 4 years.
How to Apply for an SBI Unnati Credit Card?
- You can apply for an SBI Unnati credit card by visiting your nearest SBI branch and filling out the application form.
- You can also apply for SBI Card online by clicking on Apply Now and filling in your details.
SBI Unnati Credit Card Review
SBI Unnati credit card is a basic secured credit card. It is a great choice for individuals who like to make utility bill payments, EMI transactions, or other essential expenditures using a credit card. The annual fee on the SBI Unnati credit card is waived for up to 4 years. What are your thoughts about the SBI Unnati credit card? Do let us know in the comments section below.
FAQs:
Do I get charged an annual fee on my SBI Unnati credit card?
What is the fifth year renewal fee charged on the SBI Unnati credit card?
What is the interest-free period offered on SBI Unnati credit card?
What Interest rate are charged on my SBI Unnati credit card?