Looking for a credit card with minimal fees and decent benefits? The SBI Card Unnati might just be what you need. Here’s a detailed breakdown of its key features:
1. Free for the First 4 Years
- Annual fee: ₹499
- Waived off for the first 4 years, making it a great entry-level card.
2. Reward Points Program
- Earn 1 Reward Point for every ₹100 spent.
- Points can be redeemed for a variety of gifts in the catalogue.
- Exclusions: No rewards for cash advances, balance transfers, fuel, or flexipay transactions.
3. Milestone Rewards
- Spend ₹50,000 annually and get ₹500 cashback within 15 days.
4. Fuel Surcharge Waiver
- Save 1% on fuel surcharge for transactions between ₹500-₹3,000.
5. Backed by an SBI Fixed Deposit
- Secure issuance: Requires a fixed deposit of ₹25,000 or more with SBI.
6. Global Acceptance
- Accepted at 24 million outlets worldwide, including 3.25 lakh outlets in India.
- Works at all Visa/MasterCard merchants.
7. Add-On Cards
- Get supplementary cards for your family members at no extra cost.
8. Balance Transfer on EMI
- Transfer dues from other cards to SBI Card Unnati.
- Enjoy lower interest rates and pay in easy EMIs.
9. Flexipay Option
- Convert purchases of ₹2,500+ into monthly installments.
- Must be converted within 30 days of the purchase.
Who is this card for?
Ideal for beginners or those looking for a budget-friendly credit card. Its minimal fees and practical benefits make it a smart choice.
Don’t have the SBI Unnati Credit Card yet? Apply Now!