Are you looking for the best shopping credit card that serves your multiple purposes without any hassle? If yes, all you need to know about SBI Unnati credit card apply.That’s right! This tri-coloured, beautiful looking card, showcasing the true spirit of India has been thoughtfully designed for the selected few. Loaded with an enormous range of impeccable features and benefits, this plastic money fills your life with extreme joy and happiness. Well, one of the biggest USPs of this attractive card is the fact that it comes with no annual fee for the first 4 years. You read that right! You just need to pay an annual fee of ₹499 in the first year and for the rest 4 years, there is no fee. In fact, this masterpiece comes under the category of secured cards, https://www.strava.com/athletes/49797856 as it can only be issued against a fixed deposit of ₹25,000 in SBI.

It is true! The card users first need to have the FD of ₹25,000 in SBI in order to use the same. Talking about its list of features, this piece with its annual fee waiver for the first 4 years, milestone rewards, fuel freedom and much more, caters the lifestyle needs of one and all. Now you must be wondering how to apply for the card? Well, just read the article further to know about the same….

How to Apply?

When it comes to applying for this standalone card, it would not be wrong to say that the process is really simple and quick. All you need to do is just visit the SBI branch near you, complete the required formalities and submit the related documents. That’s it! It is that easy and simple, you see. But make sure you have the fixed deposit of ₹25,000 in SBI. If not, you first need to open the same and then you can proceed ahead with the further formalities.

Now just know what all privileges you are entitled to with this tri-coloured beauty:

Zero Fee Card

Enjoy annual fee waiver for the first 4 years. Sounds great, isn’t it?

Rewards on Spends

On per ₹100 spent, get 1 reward point

Use this card to redeem against a wide array of gift options
Milestone Rewards

Get ₹5,000 cashback on spending ₹50,000 or more in a year

Get Complete Fuel Freedom

Enjoy 1% fuel surcharge waiver for each transaction between ₹500 and ₹3,000

Security

Issued against the Fixed Deposit with State Bank of India of ₹25,000

Fees & Charges

Fees

Annual Fee: Nil (First 4 Years)

Renewal Fee:₹499

Add-on Fee: Nil (per annum)
Extended Credit

Interest- Free Period:20-50 Days

Finance Charges:Up to 2.50% per month

Minimum Amount Due:5% of Total Outstanding
Cash Advance Fee

SBI ATMs or other ATMs:2.5% of transaction amount

International ATMs:3% of transaction amount
Other Charges

Late Payment:Nil for amount due between ₹0-₹200

₹100-₹750 for amount due greater than ₹200 and ₹10,000 and upto ₹500 and ₹10,000

Overlimit: 2.5% of the overlimit amount
Salient Features

Worldwide Acceptance

Add-on Cards

Cash on the Go

Utility Bill Payment Facility

Balance Transfer on EMI

Flexipay

Easy Money
Documents Required

Proof of Identity

Proof of Address

PAN Card

ITR or salary slips for the last 2 months

Passport sized photographs
Customer Care Number

In case you have any complaint, query or concern related to your favorite SBI card, all you need to do is just be in touch with the customer care executives. By dialing a toll-free number-1800-180-1290, you can register all your queries over here as the customer care executives are always there to help you 24×7.

Credit Card Statement

You have this facility of receiving your credit card statements monthly on mails. Yes, on your registered mail ID, the bank will send you the statements on a monthly basis so that you can easily track all your transaction details made via card. Through this way, it would be easy for you to keep an eye on all your transactions.

So, that you know almost everything about SBI Unnati credit card apply, go and get yours to enjoy the limited features and benefits.

Juhi, has a keen interest in writing about loans and is an expert in writing about Credit card and Personal loan. She has given her share of knowledge on the products offered by SBI Unnati Credit Card Apply and has helped people make the right choice.