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Choose SBI Unnati Credit Card To Save Annual Fees

Credit cards have been one of the finest banking instruments for customers who want to enjoy the facility of ‘Buy Now, Pay Later.’ Customers can purchase anything they want with their credit cards and pay the amount on or before the due date without any interest in it. Also, they can convert their high-ticket purchases into easy monthly installments. But what to do if the bank refuses to provide you a credit card because of your poor score? Well, in such a case you can opt for an SBI Unnati Credit Card.

You must be thinking about how you can get this card if your credit score is poor? Well, this credit card from the largest bank in India is a secured card. By secure, we mean a customer needs to open a fixed deposit worth INR 25,000 or more with the SBI and this FD will act as a security against your credit card. Since you are opening a fixed deposit in SBI, the bank will be able to trust you. If you are thinking you won’t get normal credit card features because of its secured nature, then let us tell you there is no such thing. SBI Unnati Credit Card will have all the features of a normal (unsecured) credit card.

We will be discussing some of the prominent features of this credit card from SBI in this article. So, keep reading to know more!

SBI Unnati Credit Card Prominent Features that You should Know


We are showing some of the special features of this card offered by SBI that you should know before applying for this card. Please check!


  • The first and foremost big feature of the SBI Unnati Credit Card is it is a Zero Fee Card for the first four years. This means you don’t have to pay an Annual Fee, which is fixed at INR 499, for the first four years. After this period, you will need to pay an annual fee. 

  • Your credit card also showers you with Reward points on your every spending. On every INR 100 spent with your card, you will get 1 Reward Points. So, for example, if you spend INR 1,000 with your credit card, you will get ten reward points. 

  • A customer can earn all the earned reward points against a wide range of cashback offers and other offers from the Reward Catalogue provided by the SBI. 

  • Any transaction made on Cash Advance, Balance Transfer, Flexipay, and Fuel Transactions will not be eligible for the Reward Points Program.

  • SBI Unnati Credit Card also provides Milestones Rewards to customers who like to spend a lot. How? Well, if you will be able to achieve annual spending of INR 50,000 or more, you will get a cashback worth INR 500 within 15 days of achieving this.  

  • This cashback feature on Annual spending will apply to all membership years. 

  • Other than these features, customers will also get a 1% Fuel Surcharge waiver on any fuel transaction of INR 500 to INR 4,000. 


How to Apply for SBI Unnati Credit Card?


Now you have known so much about this card, you must want to know about the method by which you can apply for this card. Well, to apply for this SBI Unnati Credit Card, you will only need to visit the nearest SBI branch. Representatives will tell you everything about the process with which you can apply for this card. 
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