SBI Card Unnati

Apply for the best credit card of Sbi Card

Last updated:28-Dec-24 Writen by Narendra User Profile
SBI Card Unnati
  • Best suitable for: Shopping
  • Joining Fee: ₹ 499+ GST + GST
  • Annual Fee: ₹ Waived off for first 4 years + GST
  • Welcome Benefits: Receive Rs 500 Cashback within 15 days of achieving annual spends of Rs 50000 or more
Sbi Card Unnati

SBI Card Unnati: Fees & Charges

Type of fee or charge Amount (Rs.)
Joining Fee:₹ 499+ GST
Annual/Renewal Fee:₹ Waived off for first 4 years
Finance Charges:3.50% p.m. (42% p.a.)
Spend Based Waiver:499 (5th Year Onwards)
Over Limit Penalty:2.5% of overlimit amount, subject to a minimum of 600/-
Rent Payment charges Rs.199+Applicable Taxes as processing fee.
Forex Charges:3.5% of the transaction value
Minimum Repayment Amount:5% of Total outstanding (Min. Rs. 100) + All charges/fees/taxes + EMI
Cheque Return Fees:2% of the payment amount subject to min of Rs. 500
Late Payment Charges:
Total Amount Due/Statement BalanceLate Payment Charges
Less than or equal to 500NIL
Above 500/- and up to 1000/-400
Above 1,000/- and up to 10,000/-750
Above 10,000/- and up to 25,000/-950
Above 25,000/- and up to 50,000/-1100
Above 50,000/-1300

SBI Card Unnati: Eligibility & Documentation

Eligibility:-
Age: Applicants should be at least 21 years old.
Income: A stable annual income is essential, typically a net monthly income of 25,000/- or more and Self-employed individuals may need to show higher income proof.
Credit Score: A good CIBIL score, ideally between 750 and 900, can significantly boost approval chances
The applicant must be an Indian citizen and valid address proof

Documentation:- 1. Aadhaar card, Passport, PAN card as your Identity proof
2. Any Utility bill, Passport, or Voter ID as your address proof
3. Salary slips, bank statements, or IT returns as your income proof

SBI Card Unnati: Cash Advance and Charges

Cash Advance or Withdrwan Fee: 2.5% (Min. INR 500) of the cash amount
Cash Advance Withdrwan Limit: Upto 80% of the card limit
Cash Payment at Bank Branch: Rs. 250/- for every Cash payment

SBI Card Unnati: Customer care and helpline

Customer care : 18605001290 and 18601801290
Email Address : [email protected]
Mailing Address: SBI Cards & Payment Services Ltd. DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3, DLF Cyber City, Gurgaon -122002(Haryana) India.

Add-on Card facility: NIL

Card replacement fee: Rs 100 + GST

Rewards Redemption Fee: Rs.99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically

Domestic lounge:

International Lounge:

Fuel Surcharge:1% fuel surcharge refunded for transactions between 500 to 4,000 and Maximum of 100/- per month.

FAQ of SBI Card Unnati

Q1. What is the annual fee of SBI Card Unnati?
The Annual fees of SBI Card Unnati is Waived off for first 4 years. And there is Joining fees is 499+ GST.

Q2. What is the interest rate on the SBI Card Unnati?
The SBI Card Unnati has an interest rate of 3.50% p.m. (42% annually)

Q3. Are there foreign transaction fees on the SBI Card Unnati?
Yes, The SBI Card Unnati charges a 3.5% fee for all transactions in foreign currency .

Q4. What is the credit limit of SBI Card Unnati?
The credit limit for the SBI Card Unnati is based on multiple factors, such as your income, repaying capacity, and credit history. Sbi Card does not specify a fixed credit limit for this card. It will communicate to you time of issuance of card. Sbi Card offer Pre-approved Credit Limit to existing card holder. So if you are eligible by few step you can increase your credit limit.

Credit Cards by Bank
Credit Cards by Category