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Features of SBI Unnati Credit Card

  • No Annual Fee for Four Years:
    One of the standout features of the SBI Unnati Credit Card is its zero annual fee for the first four years. This cost-free period allows cardholders to experience the full range of benefits without worrying about recurring charges. From the fifth year onward, a nominal renewal fee of ₹499 (plus applicable taxes) is charged, which is still competitive compared to other credit cards in the market. The absence of an annual fee for the initial years makes it an attractive option for budget-conscious users who want to maximize value without additional costs.
  • Reward Points on Every Spend:
    The SBI Unnati Credit Card offers a straightforward rewards program that adds value to every transaction. Cardholders earn 1 reward point for every ₹100 spent on the card, regardless of the purchase category. These points can be accumulated and redeemed for a variety of gifts, vouchers, or services listed in the SBI Rewards Catalogue.

    However, certain transactions, such as cash advances, fuel purchases, balance transfers, and Flexipay conversions, do not qualify for reward points. The points are valid for 24 months, giving cardholders ample time to accumulate and redeem them strategically. This feature enhances the card’s appeal for those who use it for routine spending.
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    • Milestone Cashback Benefits: To further sweeten the deal, the SBI Unnati Credit Card offers milestone-based cashback rewards. Cardholders who spend ₹50,000 or more annually receive a ₹500 cashback, credited to their account within 15 days of reaching this milestone. This cashback effectively offsets the renewal fee charged from the fifth year, making the card potentially cost-neutral for active users. The milestone reward encourages consistent usage and provides tangible financial benefits for meeting spending thresholds.
    • Fuel Surcharge Waiver: Fuel expenses are a significant part of many households’ budgets, and the SBI Unnati Credit Card helps cardholders save on these costs. The card offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at any fuel station across India. The waiver is capped at ₹100 per billing cycle, ensuring modest but meaningful savings. This feature is particularly beneficial for frequent drivers or those who rely on personal vehicles for commuting, as it reduces the overall cost of fuel purchases.
    • Worldwide Acceptance: The SBI Unnati Credit Card is accepted at over 24 million merchant outlets globally, including 3.25 lakh outlets in India, making it a versatile payment tool for both domestic and international transactions. Whether you’re shopping at a local store, dining at a restaurant, or booking travel abroad, the card ensures seamless payments wherever Visa or MasterCard is accepted. This global reach makes it a reliable companion for travelers and those who frequently shop online from international platforms.
    • Contactless Payment Technology: In line with modern payment trends, the SBI Unnati Credit Card supports contactless transactions through Visa payWave technology. Cardholders can simply wave the card at a secure reader to complete payments, making transactions faster and more convenient. The contactless feature enhances security by reducing the need to hand over the card, minimizing the risk of skimming or fraud. A unique security key ensures that only one transaction is processed even if the card is waved multiple times, adding an extra layer of protection.
    • Add-On Cards for Family Members: The SBI Unnati Credit Card extends its benefits to your loved ones through the add-on card facility. Cardholders can request add-on cards for family members, including parents, spouses, siblings, or children above the age of 18. These add-on cards share the primary card’s credit limit and allow family members to make purchases conveniently. This feature is ideal for households where multiple members need access to credit for shared expenses, such as grocery shopping or utility bill payments.
    • Flexipay for Easy Repayments: Managing large purchases is made easier with the Flexipay facility, which allows cardholders to convert transactions above ₹2,500 into affordable monthly installments. To avail of this feature, cardholders must log in to sbicard.com within 30 days of the purchase and opt for Flexipay. This flexibility helps spread out repayments over a chosen tenure, reducing the financial burden of big-ticket purchases like electronics, furniture, or travel bookings. The low-interest EMI option makes the card a practical tool for planned expenses.
    • Balance Transfer on EMI: The SBI Unnati Credit Card offers a balance transfer facility, enabling cardholders to transfer outstanding balances from other banks’ credit cards to their SBI Unnati Card. This feature comes with lower interest rates and the option to repay the transferred amount in EMIs, making it easier to manage and clear existing credit card debt. By consolidating dues onto a single card with favorable terms, cardholders can streamline their finances and save on interest costs.
    • Easy Money Facility: For urgent cash needs, the SBI Unnati Credit Card provides the Easy Money facility, allowing cardholders to request a draft or cheque against their available cash limit. The amount is delivered to their doorstep, offering quick access to funds without the need for a separate loan application. This feature is particularly useful for emergencies or unexpected expenses, providing a hassle-free way to access credit within the card’s limit.
    • Utility Bill Payment Convenience: The SBI Unnati Credit Card simplifies bill payments through its Easy Bill Pay facility. Cardholders can set standing instructions to pay utility bills, such as electricity, telephone, mobile recharges, and insurance premiums, directly from their card. This automation ensures timely payments, eliminates the need for manual transactions, and helps avoid late payment penalties. The feature is a boon for busy individuals who want to streamline their financial responsibilities.
    • Cash Withdrawal at ATMs: The card offers the flexibility of cash withdrawal from over 1 million Visa or MasterCard ATMs worldwide. Cardholders can access up to 80% of their credit limit as cash, subject to applicable fees and interest charges. While this feature provides liquidity in emergencies, it’s advisable to use it sparingly due to the associated costs, such as cash advance fees (up to 2.5% per month) and finance charges.
    • Interest-Free Credit Period: The SBI Unnati Credit Card provides an interest-free credit period of 20 to 50 days on purchases, depending on the billing cycle and payment history. This grace period allows cardholders to make purchases without incurring interest, provided the outstanding balance is paid in full by the due date. This feature encourages responsible credit usage and helps cardholders manage short-term expenses without additional costs.
    • Building Credit History: For individuals new to credit or those with low credit scores, the SBI Unnati Credit Card serves as a powerful tool to build or improve credit history. By using the card responsibly—making timely payments and keeping credit utilization low—cardholders can establish a positive credit profile. This can pave the way for eligibility for premium unsecured credit cards or loans in the future, making the card a stepping stone to financial growth.
    • Customer Support and Accessibility: SBI provides robust customer support for Unnati Credit Card holders. Cardholders can reach out to the toll-free helpline at 8885545255 for instant assistance. The SBI website and mobile app offer additional tools, such as tracking application status, managing reward points, and accessing account details. For formal queries, cardholders can contact the Correspondence Department at SBI Cards and Payment Services Limited in Gurgaon.
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Benefits of SBI Unnati Credit Card

  • Zero Annual Fee (First 4 Years): Enjoy no annual fee for the first four years, making it an affordable entry-level card. A nominal ₹499 fee is applicable from the fifth year onwards.
  • Secured Credit Backed by FD: Issued against a fixed deposit of ₹25,000 or more, ideal for users with limited or no credit history. Credit limit typically ranges from 80–90% of the FD.
  • Build Credit Score: Perfect for beginners looking to build or improve their credit score through regular use and timely payments.
  • FD Continues to Earn Interest: Your fixed deposit continues to earn interest while you use the credit card for daily expenses.
  • Great for Daily Use: Ideal for grocery shopping, utility bill payments, and online transactions with no hidden charges in the initial years.
  • Reward Points Program: SBI Card PRIME: Earn 10 points/₹100 on dining/groceries (2.5% rate), 2 points/₹100 on retail (0.5%). Birthday bonus: 20 points/₹100 (capped at 2K points).
  • IRCTC SBI Card Premier: 10% back on IRCTC AC bookings (1 RP = ₹1), 3 points/₹125 on dining (2.4%), 1 point/₹125 on other spends (0.8%).
  • SBI Unnati Credit Card: Earn 1 point/₹100 on most spends. Redeem via SBI Rewards Catalogue. Points valid for 24 months. No points for fuel, balance transfer, cash advances, Flexipay, or Encash.
  • Travel & Lifestyle:
  • Lounge Access: SBI Card PRIME: 4 intl + 8 domestic visits. IRCTC: 8 railway lounge visits. SBI Unnati: Lounge access not available.
  • Milestone Rewards: SBI Card PRIME: ₹1K Pizza Hut voucher on ₹50K quarterly spends, ₹7K voucher on ₹5L annual spends. IRCTC: ₹7.5K rewards on ₹1L spends. SBI Unnati: ₹500 cashback on ₹50K annual spends.
  • Fuel Surcharge Waiver: 1% waiver on ₹500–₹4,000 transactions (max ₹250/month for SBI PRIME, ₹100 for IRCTC). SBI Unnati: 1% waiver on ₹500–₹3,000 fuel transactions (max ₹100/month).
  • Insurance & Security: IRCTC: ₹10L rail accident cover. SBI PRIME: ₹50L air accident cover + ₹1L fraud protection. SBI Unnati: No insurance cover.
  • Fees & Waivers: SBI Card PRIME: ₹2,999 annual fee (waived on ₹3L spends). IRCTC: ₹1,499 (waived on ₹2L). SBI Unnati: ₹0 annual fee for first 4 years; ₹499 from 5th year, waived on ₹50K annual spend.
  • Global Acceptance: Accepted at 24M+ outlets worldwide. Contactless payments up to ₹5,000 at NFC terminals. Available on PRIME, IRCTC, and Unnati cards.
  • Add-On Cards: Free for family members (18+), sharing credit limit. Lounge access not available for add-on cards. Available on all three cards.
  • Balance Transfer: Transfer balances from other cards at lower interest rates, repayable in EMIs. Available for PRIME, IRCTC, and Unnati cards.
  • Redemption Options: SBI Card PRIME: Gift vouchers, statement credits (₹99 fee). IRCTC: Redeem points 1:1 for IRCTC tickets. SBI Unnati: Redeem points via SBI Rewards Catalogue (points valid for 24 months).
  • Additional Benefits: Easy Bill Pay for utility bills, Easy Money facility, Flexipay (convert purchases >₹2,500 to EMIs within 30 days). Ideal for credit-building—secured against ₹25,000 FD.
  • Application Process: SBI Card PRIME & IRCTC: Requires income proof and good credit score. SBI Unnati: No credit history required. Apply with ₹25K fixed deposit at any SBI branch or online.
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How to Apply for SBI Unnati Credit Card

  • Step 1: Check Eligibility
    Age: 21–70 years for primary applicants; 18+ years for add-on cardholders.
    Fixed Deposit: Minimum ₹25,000 FD with SBI (linked to your account).
    Account: Existing SBI savings/current account preferred.
    Nationality: Resident Indian only.
  • Step 2: Gather Required Documents
    Identity: PAN Card (mandatory), Aadhaar, Passport, Voter ID.
    Address: Aadhaar, Passport, Utility bill (not older than 3 months).
    FD Proof: FD receipt or account statement showing linked FD.
    Photo: Recent passport-sized photograph.
  • Step 3: Choose Application Mode
    Online: Visit www.sbicard.com → Navigate to Unnati Credit Card → Click “Apply Now”.
    Offline: Visit nearest SBI branch, fill form, and submit documents.
    SBI YONO: Apply via SBI YONO app under “Cards” section.
  • Step 4: Submit Application
    Provide personal, contact, and FD details.
    Upload or submit KYC documents and signed application form.
  • Step 5: Verification
    SBI conducts internal verification of FD, KYC, and account relationship.
  • Step 6: Approval
    Card approved within 10–15 working days if eligibility and documents are in order.
  • Step 7: Card Delivery
    Card delivered to registered address.
    Activate via SBI Card app, website, or phone banking.

Eligibility Criteria for SBI Unnati Credit Card

  • Fixed Deposit:
    • Minimum ₹25,000 with SBI as collateral.
    • Maximum ₹5,00,000 (credit limit is 80%–90% of FD).
  • Age:
    • Primary Cardholder: 21–60 years.
    • Add-on Cardholder: Minimum 18 years.
  • Income:
    • Minimum ₹2 lakh/year for salaried or self-employed (if assessed).
    • No income proof needed if sufficient FD is maintained.
  • Credit Score: No prior credit history required; accessible for low or no credit score individuals.
  • Nationality: Indian residents only with serviceable address.
  • Documentation:
    • Identity Proof: PAN (mandatory), Aadhaar, Voter ID, Passport, etc.
    • Address Proof: Aadhaar, Utility Bill, Passport, etc.
    • Income Proof (if applicable): Salary slips, ITR, bank statements.
    • FD Proof: SBI Fixed Deposit receipt or lien confirmation.
  • Credit Limit: Typically 80%–90% of the fixed deposit amount.
  • Employment: Open to salaried, self-employed, students, homemakers, freelancers with FD.
  • KYC Compliance: PAN Card is mandatory for all applicants.
  • Residency: Must reside in SBI serviceable locations; valid address proof required.
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Documents Required for SBI Unnati Credit Card Application

  • Identity Proof (Any one):
    • PAN Card (mandatory)
    • Aadhaar Card
    • Passport
    • Voter's ID
    • Driving License
  • Address Proof (Any one):
    • Aadhaar Card
    • Utility Bill (not older than 3 months)
    • Passport
    • Driving License
    • Ration Card
  • Income Proof (if applicable):
    • Salaried: 1–3 months' salary slips, Form 16, 3 months' bank statement.
    • Self-employed: 1–2 years' ITR, 3–6 months' bank statement.
    • Students: Fixed deposit serves as primary financial backing (no income proof required).
  • Fixed Deposit Proof:
    • Fixed deposit receipt of ₹25,000 or more with SBI.
    • Bank statement showing fixed deposit details.
    • Lien confirmation letter from SBI.
  • Photograph: Recent passport-sized color photograph (offline applications).
  • NRIs: Passport, visa, overseas address proof, Indian address proof.

Factors Affecting SBI Unnati Credit Card

  • Credit History: No credit history or score required for approval. Ideal for first-time users, students, and individuals with limited credit history.
  • Income Level: Minimal income verification required; suitable for salaried individuals and students. The card is secured against a fixed deposit, so income levels are less critical.
  • Fixed Deposit: A fixed deposit with SBI ranging from ₹25,000 to ₹5 lakh is required to secure the card. The credit limit is typically 80% to 90% of the FD amount.
  • Employment Status: Open to salaried, self-employed, or business owners with minimal documentation.
  • Documentation: Simple document requirements include identity proof, address proof, and income proof (where applicable).
  • Existing SBI Relationship: Having a relationship with SBI (e.g., savings account) may facilitate a smoother approval process.
  • Application Process: The application can be done online or by visiting an SBI branch to open a fixed deposit and submit documents.
  • Annual Fee: No annual fee for the first four years, which makes the card affordable during its initial period.
  • Reward Points: Earn 1 reward point for every ₹100 spent (excluding certain transactions). Points can be redeemed for gifts, vouchers, and more.
  • Milestone Cashback: ₹500 cashback on spending ₹50,000 or more in a year, which can offset the renewal fee after the fourth year.
  • Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000, with a maximum cap of ₹100 per statement cycle.
  • Contactless Payments: The card supports Visa payWave or MasterCard PayPass for secure and convenient contactless payments.

Frequently Asked Questions (FAQs)

What is the SBI Unnati Credit Card?
The SBI Unnati Credit Card is a lifetime free credit card offered by SBI Card, designed for individuals with limited or no credit history, helping them build a credit score.
Is there an annual fee for the SBI Unnati Credit Card?
No, the card is free for life with no joining or annual fees.
What is the credit limit offered on this card?
The credit limit is low to moderate, typically ranging from ₹10,000 to ₹50,000, depending on the applicant’s profile.
Does the SBI Unnati Credit Card offer rewards or cashback?
No, it does not offer reward points or cashback. It is a basic card aimed at helping users establish credit history.
Can I upgrade my SBI Unnati Credit Card to a premium card later?
Yes, after 6-12 months of good credit usage, you may be eligible for an upgrade to a higher-tier SBI credit card.
What are the eligibility criteria for the SBI Unnati Credit Card?
- Salaried individuals with a minimum monthly income of ₹10,000–₹15,000 (varies by location).
- No prior credit history required (ideal for first-time credit card users).
How can I apply for the SBI Unnati Credit Card?
Apply via SBI’s official website, branch, or through agents. Submit KYC documents (PAN, Aadhaar, income proof, and bank statements).
Does the card provide any fuel surcharge waiver?
No, the SBI Unnati Credit Card does not offer fuel surcharge waivers or benefits.
Are there any interest-free periods or EMI options?
It offers a standard up to 50-day interest-free period on purchases. EMI conversion is available on select transactions.
Can I use this card for international transactions?
No, the SBI Unnati Credit Card is only for domestic use and does not support foreign currency transactions.

List of Karnataka Branches

  • Bengaluru (100 Feet Road-Indira Nagar)
  • Bengaluru (Agara Junction Branch)
  • Bengaluru (Agara Lake)
  • Bengaluru (Akshay Nagar)
  • Bengaluru (Amruthahalli)
  • Bengaluru (Anekal)
  • Bengaluru (Arakere)
  • Bengaluru (B Narayanapura)
  • Bengaluru (Bagalur)
  • Bengaluru (Banashankari Ring Road)
  • Bengaluru (Banaswadi)
  • Bengaluru (Airport Road)
  • Bengaluru (Banashankari)
  • Bengaluru (Bannerghatta Road)
  • Bengaluru (BWSSB Extn Counter)
  • Bengaluru (Fraser Town)
  • Bengaluru (Gandhi Bazaar)
  • Bengaluru (Indira Nagar)
  • Bengaluru (IT Park)
  • Bengaluru (J P Nagar)