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SBI Card Unnati
उत्पाद विवरण
Joining Fee:
Renewal Fee:
Card Type:
Reward Type:
Welcome Benefits:
Rewards & Benefits
Welcome Benefits
On spending INR 2,000 or more in the first sixty days, the user can get 2,000 reward points.
Milestone Benefits
annual fee reversal on spending inr 1,00,000 on the card.
Cashback Rate
cashback rate: 1. cashback rate: 1. cashback rate: 0.
Lounge Access
0
Movie Benefits
8
Dining Benefits
Other Benefits
reward system: users will get 10 points for spending of every inr 150 on dining, movies, departmental stores and grocery spending. value of 1 point = inr 0. 25. effective 6%. 1 reward points on all other spend per inr 150. effective general 25%. 1 reward point of inr 100 on all other spends. effective general 16%.
दोष
Low general cashback rate.
No free movies.
No free airport lounge visits.
Reward System: Users will get 1 point for spending every INR 100 . Value of 1 point = INR 0.25. Effective cashback rate: 0.25%.
Annual fee reversal on spending INR 1,00,000 on the card.
पक्ष विपक्ष
Welcome Benefits
None.
पुरस्कार प्रणाली
1 point on spend of every INR 100. Value of 1 point = INR 0.25. Effective cashback rate: 0.25%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
3.5%.
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Credit card is issued against the fixed deposit maintained with the State Bank Of India, even persons with no income/salary can apply for it.
Eligibility Criteria
Age: You must be minimum 21 and maximum 70 years old.
The card is issued with a lien on cardholder's fixed deposit with State Bank of India of INR 25,000 or more.
Credit score: A good credit score is generally required.
फ़ायदे
Credit card is issued against the fixed deposit maintained with the State Bank Of India, even persons with no income/salary can apply for it.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
1. Online: This is the faster and more convenient method:
Visit the SBI Card website: Head to the official SBI Card website.
Navigate to the SBI Card Unnati page: Find the "Personal" category and choose "Shopping" as the sub-category.
Click "Apply Now": Look for the prominent "Apply Now" button on the card page.
Fill out the application form: Provide your personal details, income information, and KYC documents like PAN, etc.
Review and submit: Carefully review the application details.
Await decision: You'll receive an instant preliminary decision based on the information provided.
2. Offline: This method involves visiting a SBI branch and completing the application process:
Visit an SBI branch: Find a nearby SBI branch and express your interest in applying for the SBI Card Unnati.
Fill out the application form: A bank representative will assist you with the form and guide you through the process.
Submit the form and documents: Provide all requisite documents such as PAN, Aadhaar, and income proof along with the completed application.
Await decision: The bank will process your application and inform you about the final decision through your preferred communication channel.
सम्पर्क करने का विवरण
l 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)
खाता खोलने की प्रक्रिया और प्रक्रिया



विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Reward System: Users will get 1 point for spending every INR 100 . Value of 1 point = INR 0.25. Effective cashback rate: 0.25%.
Annual fee reversal on spending INR 1,00,000 on the card.
Low general cashback rate.
No free movies.
No free airport lounge visits.
SBI Card Unnati has an extremely low cashback rate 0.25%. Further it offers no value add benefits. The only good thing about the card is that this card is issued against fixed deposit maintained with the State Bank of India, therefore even individuals with low cibil score can apply for this card.
SBI Card Unnati

Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
Annual Fee (one time): INR 0 + Taxes.
Renewal Fee 5th year onwards (per annum): INR 499 + Taxes.
Cash Advance fees: 2.5% or Rs. 500 whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs.
Interest Rate: Up to 3.50% per month (42% per annum) from the transaction date.
Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date. NIL for Outstanding Amount on payment date from Rs.0-Rs.500, Rs. 400 for Outstanding Amount greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Outstanding Amount greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Outstanding Amount greater than Rs. 10,000 up to Rs. 25,000; Rs. 1100 for Outstanding Amount greater than Rs. 25,000 & up to Rs. 50,000; Rs. 1300 for Outstanding Amount greater than Rs. 50,000.
Reward Redemption Fees: INR 99/- per redemption.
ईंधन अधिशुक्ल
1% Fuel Surcharge waiver for each transaction between INR 500 and INR 3,000. Maximum Surcharge waiver of INR 100 per statement cycle, per credit card account.
Billing Cycle
30 days.