How to Apply Your Free SBI Unnati Credit Card: Features, Charges and Documents Required - chaprama | Insights from the world of Technology and Lifestyle


Wednesday, March 29, 2017

How to Apply Your Free SBI Unnati Credit Card: Features, Charges and Documents Required

Now obtaining a credit card from State Bank of India is much easier than before. You need not develop the credit history for that. Just maintain a minimum account balance of Rs.25,000 in your SBI savings bank account; an SBI credit card - Unnati will be at your doorstep.

State Bank of India in order to bring more customers under the digital cover, brought out this new facility to offer a credit card that fulfills people's  financial inclusion. A person with no previous credit history can apply for this credit card that will be free from any annual fee for first four years.

How to Apply Your Free SBI Unnati Credit Card? Features, Charges and Documents required

How to apply for Unnati Credit Card:

You can apply for Unnati Credit Card by maintaining a minimum Rs 25,000 balance in your savings account. If you do so, visit your nearest SBI branch with your Aadhaar number and fill the KYC and submit. You will get your card in seven business days. 

Features of Unnati Credit Card:

Rewards on Spends: Get 1 Reward Point per Rs 100 spent. Use your Credit Card Reward Points to redeem against a wide array of gifts from the Rewards Catalogue. Rs 500 cashback on spends of Rs 50,000 or more in a year which is applicable for all membership years

Worldwide Acceptance: You can use your SBI Card Unnati in over 24 million outlets across the globe, including 3,25,000 outlets in India. Use your card to make payments at any outlet that accepts Visa or MasterCard

Add-on Cards

With SBI Card Unnati, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18

Cash on the Go

Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe

Utility Bill Payment Facility

Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your card

Balance Transfer on EMI

Save money while paying your credit card dues

Transfer the outstanding balance of other banks’ credit cards to your SBI Card Unnati, and avail a lower rate of interest and pay back in EMIs


With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your SBI Card Unnati, and log in with your username and password to within 30 days of purchase to convert it into Flexipay


Annual Fee (First 4 years): Nil
Renewal Fee (5th year onwards): Rs 499

Add-on Fee (per annum): Nil

Extended Credit

Interest-free credit period: 20-50 days, applicable only on retail purchases and if previous months’ outstanding balance is paid

Finance charges: Up to 2.50% per month, accounting for 30.0% per annum from the transaction

Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)

Cash Advance

Cash Advance Limit: Up to 80% of credit limit, with a maximum of Rs. 12,000 per day

Free Credit Period: Nil

Finance charges: Up to 2.50% per month, accounting for 30.0% per annum from the date of withdrawal


Railway tickets through Railway counters: Rs. 30 + 2.5% of transaction amount

Railway tickets through 1.8% of transaction amount + service charge, as applicable

Fuel and all products and services sold at petrol pumps: 2.5% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3,000, exclusive of applicable taxes, wherever applicable and all other charges. Maximum surcharge waiver of Rs. 100 per statement cycle, per credit card account.


  1. is having FD of more then 25000 is the only criteria for getting unnati card ? i already have that mi eligible

  2. Yes, you can visit the SBI branch and apply for the credit card

  3. thanks for reply infect just visited nearest sbi branch they told me everything is fine but you need to shift your account here is it like that

  4. May be having an account in that branch is the condition.

  5. what is your view on assuming building credit history is the aim in mind perhaps can you write a post ?

  6. is Central Bank of India Aspire Credit Card is good option if building credit history is the sole reason ?

  7. Any kind of such cards can build credit history.. But only if you pay your bills on time. Follow basic credit card usage rules to stay in the safe zone.

  8. thanks for replying and valuable tips is it safe to assume that they are reporting it to CIBIL ?

  9. All your transactions are tracked through your pan. Hence report goes to cibil

  10. what does it mean when bank bazaar says SBI will issue the Unnati card backed by bank deposits for the first 12 months. Once the period is over, the bank will free the deposit. alos listen @ frame 07:10 thanks

  11. When you do not have credit score, the bank will keep your deposit as the security against your credit taken using the credit card. After 12 months, once you develop a decent credit score, your deposits will be freed.

  12. thanks for replying this is also a plus point in taking unnati card i guess :):)

  13. i am working outside india. i asked in pala branch kerala about credit card against fd, they gave me one number of the one who is handling credit card section.. the problem is, he will not attend the call.. 90% of time his phone is busy. no reply for messages too.. i want to know more about unnati card as i am going back to india next month. what can I do now?

  14. The actual problem with sbi is that credit card department is distinct from the banking services. There will few more guys who handles credit card department. Try getting their phone numbers.