SBI Unnati Credit Card

The SBI Unnati Credit Card is a secured credit card that can come in of great use for the purpose of shopping. Being a secured credit card, the SBI Unnati Credit Card is issued against a fixed deposit of Rs. 25000 and has an annual fee that is waived off for the first 4 years of obtaining the card.

  • Sure Card
  • SBI Unnati Credit Card
Features Sure CardSBI Unnati Credit Card
EligibilityEveryone 18+Between 18-65 years. Salaried or self employed. Minimum fixed deposit of 25,000.
Approval100%Not guaranteed, not transparent
Joining FeesNILNil
Annual FeesNILRs. 588.82 (Rs. 499 + 18% GST) Waived off for the first four years
Interest Rate10-14%Upto 3.50% per month (42% per annum)
Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500
Over-limit ChargesNo over-limit transactions2.5% of the overlimit amount; minimum of Rs. 600
Late payment chargesNILFrom Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Card replacement feeNILRs. 100 to Rs. 250
Fuel SurchargeNIL1% of purchase amount. 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) for single transaction spends between Rs. 500 and Rs. 3000
Foreign Currency TransactionNIL 3.50%
Minimum Amount DuePay in Full5% of total outstanding amount Minimum of Rs.200 + applicable taxes
Rewards10 points for every Rs.100/- transaction for everyone, everywhere.1 Reward Point per Rs 100 spent. Rs 500 Cashback, within 15 days of achieving annual spends of Rs 50,000 or more.
Referral RewardYesYes, but subject to approval
Anniversary RewardYesNo
Birthday RewardYesNo
ChargebackSimple online formMail printed and signed form
Privacy and SecurityYour data is not used and not soldContactless Card
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SBI Unnati Credit Card vs. SURE Card

The SBI Unnati credit card is a great card for shopping but remains limited to almost that sphere itself. On the other hand, SURE card can be used for multiple spheres and the reward points provided can be used for various rewards too.

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