SBI Unnati Credit Card Apply – Review, Details & Benefits

SBI Unnati Credit Card Apply – Review, Details & Benefits: Let us know about SBI Unnati Credit Card offered by State Bank of India such as what is SBI Unnati Credit Card, who can take this credit card, how can apply, interest rate, documents, eligibility criteria What will be the fees and charges.

Apart from this, some important information related to credit card will also be told which will be very helpful for you. If you want to take SBI Unnati Credit Card then you have to read this article till the end.

Often the bank does not give a credit card to everyone, the bank gives the credit card to only those people whose credit score is either good or they have income proof,

In such a situation, if you want to take a credit card and you are tired of going to the banks and still you are not able to get the credit card, then you do not have to worry at all.

Now you can take your new SBI Unnati Credit Card from State Bank of India on the basis of FD (Fixed Deposit) , if you have got FD done in State Bank then you can take advantage of this facility.

About SBI Unnati Credit Card

SBI Credit Card is a credit card given on a fixed deposit amount, to take this credit card, you have to make your fixed deposit of at least ₹ 25000 or more in State Bank of India, and this FD will give you 1 year. Must be kept for at least the maturity period.

This credit card has been launched for those people who have low CIBIL score, or want to take a new credit card now, and their credit score is zero now, then they can take SBI Unnati Credit Card on fixed deposit basis. .

This credit card can help you in increasing your CIBIL score, credit limit.

Along with this, SBI does not charge any annual fee for the first 4 years, and this credit card can be used at more than 24 million outlets.

For this credit card, the bank approves your account balance history without underwriting.

Read Also: Airtel Axis Credit Card

Who is this card for​​​​​​​ 

SBI Unnati Credit Card can be taken by every person who is above 18 years of age, and has money to make a fixed deposit of ₹ 25000, for this credit card Student, Housewife, Salaried Person, Self Employed, Small Shopkeeper, Small businessmen, a common man etc. can take others. You can visit your nearest such branch to get the card.

SBI Unnati Credit Card Details – Key Features

Some important information about SBI Unnati Credit Card is mentioned in the table below.

Card NameSBI Unnati Credit Card
Card TypeEntry Level
Best Suited ForPersonal Use, Shopping, Online Spends Etc.
Required Security Deposits(FD)RS 25,000
Age Limit18+, Above
Annual FeeNil for the first four years
Card ApplyClick Here

SBI Unnati Credit Card Documents Need

  • Pan Card
  • Aadhar Card
  • SBI Active bank account
  • Mobile No
  • 2 Passport Size Photo

Read Also: Paytm SBI Credit Card

SBI Unnati Credit Card Eligibility/Terms & Conditions

Following are the eligibility criteria for SBI Unnati Credit Card which are as follows.

  • Applicant should be an Indian citizen and age should be more than 18 years.
  • FD of at least ₹ 25,000 will have to be done in the bank.
  • According to the bank, the fixed deposit will have to be kept for 12 months.
  • It is mandatory to have the necessary documents like Aadhar card, PAN card, mobile number to get SD card.
  • The amount in the FD, the credit card limit bank will get you up to 80-90 percent.

Note : On maturity of the FD, the card will have to be canceled before the FD can be redeemed. Only after this you will be able to withdraw full money from FD. And be able to use it. If you withdraw money in the middle then you may have to pay some other charges.

SBI Unnati Credit Card credit limit

The credit limit on SBI Unnati Credit Card is determined on the HD made by you. If you make an FD of ₹ 50,000, then the bank will provide you the bank credit limit from 80 to 85% , that means, on ₹ 50000 FD, you will get ₹ 45000 credit limit can be available, which you can use to fulfill your personal needs like recharge, bill payment, online shopping, fuel purchase etc.

SBI Unnati Credit Card interest rate

The interest rate on SBI Unnati Credit Card may range from 3.50% to 42% per month if the credit bills are not paid on time. Here you can take this credit card without any joining fee for 4 years, this credit card has been launched on Visa Signature platform.

Read Also: Mi Credit Loan App

SBI Unnati Credit Card Fees And Charges

For SBI Unnati Credit Card, you have to pay some fees and charges which are shown in the table below.

Annual FeeNil for the first four years
Renewal FeeRs. 499 (5th year onwards)
Finance Charges3.5% per month (42% pa)
Late Payment FeeFor Statement BalanceLess than Rs. 500 – NilRs. 500 up to Rs. 1,000 – Rs. 400Rs. 1,000 up to Rs. 10,000 – Rs. 750Rs. 10,000 up to Rs. 25,000 – Rs. 950Rs. 25,000 up to Rs. 50,000 – Rs. 1,100Amount over Rs. 50,000 – Rs. 1,300

SBI Unnati Credit Card Benefits

  • Unnati Credit Card offered by SBI Bank comes with no joining fee for 4 years.
  • Can be used at over 24 million merchant outlets worldwide.
  • This credit card can be availed for family members such as parents, children above 18 years of age, siblings or spouse with the benefit of add-on cards.
  • You can convert the charges charged from your card to Flexipay to make repayments easier for expenses above Rs 2,500.
  • Apart from this, you can convert your outstanding payments above Rs 2,500 into EMIs to make your outstanding payments more manageable.
  • This credit card can be used to withdraw cash from over 1 million Visa or MasterCard ATMs.
  • Also the card can be used to pay utility bills.
  • It allows converting credit card transactions into easy EMIs.
  • Users can get draft or check drawn against the cash limit.

Read Also: Stashfin Credit Line Card

SBI Unnati Credit Card Apply Online

You can follow the steps mentioned below to apply for SBI Unnati Credit Card. If you are already a customer of SBI, then you can still apply for this credit card, new users can also take this credit card.

Step 1. Search on browser SBI Unnati Credit Card and Open official Website

SBI Unnati Credit Card Apply
SBI Unnati Credit Card Official Website

Step 2. Now that submit your name, address, mobile number, email id.

Step 3. After this, verify the OTP with your mobile number.

Step 4. Now submit your PAN card, pin code, address.

Step 5. After this select occupation, Net income, Credit Card.

Step 6. Now you have to click on Proceed.

Step 7. After this submit the application form, now you get the credit limit, then you can activate this card through the application and use it.

Note : If you use the credit card properly then it can prove to be effective for you, after making this credit card, you can use Card To Card credit cards of other banks such as ICICI Bank, HDFC Bank, Axis Bank, etc. You can also take a credit card, but there is a condition for this that you have to deposit the credit bill on time. With the help of this credit card, you can get a credit limit of up to ₹ 2,00,000 on other bank’s credit cards 

SBI Unnati Credit Card Customer Care No

If you face any kind of problem then you can get the solution of your problem by talking to the customer officer of SBI Bank, apart from this you can also get the solution through live chat on the official website.

SBI Bank customer toll-free is: 1800 180 1290

Disclaimer : Apply for credit card according to you, we do not have anything to do with it, we have provided the information here only for education purpose, to avoid any fraud your card details, CVV number, Month- Year, do not share personal information with anyone.

Read Also: Indusind Aura Edge Credit Card

Conclusion : SBI Unnati Credit Card Review

If I tell about my personal experience, SBI Unnati Credit Card offered by SBI Bank is an entry-level credit card , if you have not taken a credit card yet, then you can get it from SBI Bank on fixed deposit basis. can be activated. You can use this credit card to meet your personal needs,

Here this credit card helps in increasing your credit score along with increasing your credit score. If you activate this credit card, then you can also take Card To Card credit card of other bank, where you can get the maximum credit limit up to ₹ 200000.

I hope today’s article has been helpful for you in which I have told you about SBI Unnati Credit Card , How to Apply for SBI Unnati Credit Card, If this article has been helpful then you can follow us on social media platform. Thank you very much for reading this article.

SBI Unnati Credit Card – FAQ’s

Q1. What kind of card is SBI Unnati Credit Card?

Ans. It is a secured credit card which is provided by the bank by keeping the fixed deposit in security. This is an entry level credit card, which you can get done from your nearest SBI branch. This credit card is also made without any income proof.

Q2. How to apply for SBI Unnati Credit Card?

Ans. You can apply for SBI Unnati Credit Card online by visiting the official website of SBI, or by visiting the nearest branch. Where you can get this credit card with better credit limit by verifying your documents.

Q3. What is the annual fee for SBI Unnati Credit Card?

Ans. The annual fee for the first four years for SBI Unnati Credit Card is zero. Whereas after the fifth year, customers will have to pay a renewal fee of Rs 499.

Q4. Is it necessary to deposit a fixed deposit to apply for this credit card?

Ans. Yes, you must have a fixed deposit of Rs. 25,000 or more. Only then will you be able to activate this credit card.

Q5. Are there any reward points for using this credit card?

Ans. Yes, SBI Unnati gives 1 reward point for every Rs.100 spent. While there is no cashback on ATM withdrawals, balance transfers and fuel purchases.

Q6. Can I increase my credit limit on SBI Unnati Card?

Ans. You can increase the credit limit by paying this credit card on time, apart from this your credit limit also starts increasing. If you withdraw only up to 80% from the bank. Apart from this, money can prove to be very helpful for withdrawal in emergency.

Leave a Comment