Avail a SBI Unnati Credit Card to Enjoy Maximum Benefits

There are only very lenders in the market which can match SBI when it comes to giving the best credit card to the customer. State Bank of India is one of the leading public sector banks in India and is known for its world class products and services. SBI offers various Credit cards that are much in demand in the market. It has recently launched Unnati credit card which comes with attractive features and special benefits.

A SBI Unnati Credit Card can be availed by anyone against a fixed deposit of at least ₹25,000. It is a secured credit card. The best part is you can easily secure the card even when you have no or less credit score. You can take advantage of the benefits offered by the card against a fixed deposit of the said amount. The card is going to make you feel on the top of this world through its exciting features. You will be happy to know that SBI won’t be charging any annual fee for the first four years. The fee will be waived off for the starting four years. So let’s explore the world of a SBI Unnati credit card together. Tighten up your seat belts as we enter the world of the card offered  by SBI.

SBI Unnati Credit Card features and benefits-

The card is like a box which is full of surprises and exciting features. They have mentioned right here.

Global acceptance- The best part of the card is that you can used it in more than 24 million outlets in only India but globally as well.In case you want to make a transaction, you can easily the card  in any of the outlets where a MasterCard or Visa Card is accepted.

The facility to make Utility bill payment- There are many times when you don’t have the required money at your disposal but you need to make an urgent payment. Now with the card in your wallet, you can easily pay all your utility bills without any hassle.

Balance transfer on EMI- The card allows you to save quite a lot of money when it comes to repaying the dues of your card. All you have to do is transfer the outstanding balance of your credit card to a SBI Unnati Credit card. Later on, you can repay the EMIs every month at a lower rate of interest.

Provision of add-on cards- You will be pleased to know that you can get your spouse or children or any family member a credit card. The main point you should ensure is that they are above the age of 18 years. You can empower them with a SBI Unnati credit card.

Easy Withdrawal of Cash- In case you require urgent cash then you have the provision to withdraw money from over one million MasterCard or Visa ATMs present across the world.

Option of Flexipay- This is the most exciting feature of the card. By using the same, you can convert the transactions you make into monthly EMIs. You are required to make a transaction of ₹2,500 or more. You can then login into the official website of SBI and convert the purchase easily into a flexipay. A point which you should keep in mind is that you have to login within thirty days of making a purchase by using your username and password.

Now it’s time for you to know the various benefits you get on a SBI Unnati credit card. Let’s explore them together.

Reward points- You will be able to earn one Reward point when you make a purchase worth ₹100. You can easily redeem the points whenever you wish to.

Annual fee waiver for the first four years- Yay. This is simply the best benefit. You are not supposed to pay any annual fee for the starting four years. From the fifth year, a renewal fee of ₹499  will have to be paid.

Milestone Rewards- Now let’s talk about the milestone reward aspect. In case, you spend ₹50,000 or more, you will receive a cashback of ₹500. This thing is applicable for every year.

Advantage of complete fuel freedom- In case you love travelling to the exotic hill stations like Shimla or Mussoorie by driving your car, then this card will provide you awesome benefits. You can take advantage of a surcharge waiver of 1% on any transaction which you make. The transaction should be between ₹500 to ₹3,000. So, the next time you plan a road trip, you can definitely take maximum advantage of the card. As a matter of fact, GST and other such charges are not included in the same.

Fees & Charges:

• No annual add-on fee

• Rewards redemption fee of ₹99

• Cash payment fee amounts to a sum of ₹500

• Card replacement fee of ₹100

• Finance charges are up to 2.5% per month. This totals to 30% per year

• Minimum amount due will be 5% of total outstanding amount (Minimum of ₹200, along with applicable taxes, EMI (On EMI Product) and OVL

• Cash Advance fee in SBI or other ATMs will be 2.5% of the transaction amount. It can be a minimum of ₹300

SBI Unnati credit card has turned out to be saviour for people who don’t have a good or zero credit score. They can not think of availing a credit card. So what are you waiting for? Go to the nearest SBI branch and apply for the same.