**Disclaimer: SBI Unnati Credit Card is not a Finserv MARKETS partner product. Offers would be from partner Banks/NBFCs only
The SBI Unnati credit card is a zero-fee credit card provided by the State Bank of India. The credit card is free for the first four years, which means you do not have to pay any annual credit card fees in this period. To know more about how to avail this card, SBI Unnati credit card features and benefits, check SBI Unnati credit card eligibility, and other frequently asked questions, read below.
SBI Unnati is a zero-fee credit card, wherein you need not pay any annual credit card fee in the first four years of availing the card.
With the SBI Unnati card, the rewards just keep pouring in. For every ₹100 that you spend, you can earn upto 1 Reward Point. The accumulated credit card reward points can then be redeemed against a host of options from the rewards catalogue. What’s more! You can also earn cashback upto ₹500 within 15 days of achieving annual spends of ₹50,000 every year.
Get 1% fuel surcharge waiver for each transaction that is anywhere between ₹500-₹3,000 with your SBI Unnati card.
The SBI Unnati credit card is issued with a lien on cardholders’s SBI fixed deposit of ₹25,000 or above.
The SBI Unnati credit card has worldwide acceptance aat over 24 million outlets.
You can share your SBI Unnati credit card benefits with your spouse, children, or parents with the add-on card facility.
You can save on your credit card dues with the SBI Unnati card’s balance transfer facility. Just transfer any outstanding balance from other banks’ credit cards to your SBI Unnati card (provided it is within the offered limit) and pay back in EMIs with low interest rates. You can also opt for the Flexi Pay facility on your SBI card to convert transactions above ₹2,500 into easy monthly instalments within 30 days of payment.
Draw a cheque or a demand draft on your available cash limit with the SBI credit card’s easy cash facility.
Nil for the first 4 years
₹499 from 5th year onward
Cash Payment Fee
₹250 + GST
Late Payment Charges
Foreign Currency Markup
With the SBI Unnati credit card, you can earn handsome credit card rewards with each spend. This includes 1 reward point per ₹100 spent. You can also become eligible for ₹500 back within 15 days of achieving annual spends of ₹50,000 or more. The accumulated reward points on your Unnati credit card can be redeemed against a wide range of options from the SBI Rewards catalogue.
The SBI Unnati credit card eligibility criteria that you must meet to apply for SBI Unnati credit card is as follows:
The applicant must be at least 18 years of age
The applicant must be either self-employed or salaried
The applicant must be an Indian citizen
If the above-mentioned credit card eligibility criteria is met, you need to submit the relevant credit card documents as requested by the bank. It is advised that you keep the following documents handy before going ahead with the SBI Unnati credit card online apply process:
2 coloured, passport-size photographs
Identity Proof: PAN card, Aadhaar card, passport
Residence Proof: Passport, telephone/electricity bill, Voter ID
Income Proof: ITR for last 2 years, latest salary slips, bank statements of last 3 months, etc
The SBI Unnati credit card apply online option is currently not available on the Finserv MARKETS website. However, you can visit your nearest SBI branch to start the SBI Unnati credit card apply process offline. You can also apply for the Unnati credit card via the official SBI website.
For any queries related to SBI Unnati credit card limit, documents required, the credit card eligibility, steps to avail the SBI Unnati credit card benefits, or more, you can contact the SBI credit card customer care.
The SBI customer care can be reached at the toll-free number 1800 180 1290.
You can also visit the official SBI website to interact with SBI’s virtual assistant ‘Ask ILA’ for any credit card queries. In case you wish to submit a formal written query, you can reach the SBI customer care at:
Manager, Customer Care Services.
SBI Cards & Payment Services Ltd.,
DLF Infinity Towers, Tower C,
12th Floor, Block 2, Building 3,
DLF Cyber City, Gurgaon,
Haryana 122 002
You can track the SBI card Unnati application status by visiting the official SBI website. Just follow these steps:
Step1: Go to the ‘Apply’ tab.
Step 2: Click on ‘Track My Application’.
Step 3: Select the SBI credit card you have applied for to track its application status.
The SBI Unnati Credit card limit differs from person to person and is decided for the cardholder by the internal SBI Cards & Payment Services Private Limited (SBICPSL) credit criteria. The total credit limit given to a cardholder is communicated at the time of card delivery.
You do not have to pay any annual fee for the first four years of availing the credit card. The renewal charges will be levied from the fifth year onwards.