SBI Card Unnati
  • SBI Card Unnati 0 / 5.0 from 0 users

SBI Card Unnati

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At a Glance

  • Joining Fee

    Rs 0 /-
  • Annual Fee

    Rs 0 /-
    • Annual fee waiver for the first 4 years of card membership.
  • Annual Rewards

    Rs 0 /-

Reward Rates

  • 0.25%

    Earn 1 Reward Point on each Rs. 100 spend.

Highlights

  • Save 0.25% on every card transaction except fuel, cash withdrawal, balance transfer and EMI transactions.
  • Earn Rs. 500 cash back on reaching total annual spend of Rs. 50,000 or above.

Features

  • 1% Fuel Surcharge Waiver

    Save 1% on fuel surcharge fee against every fuel related transaction of minimum Rs. 500 to as high as Rs. 3,000. Maximum benefit of Rs. 100 in a single billing cycle.

  • Lifetime Free Add-on Card

    Avail add-on credit card on your SBI Card Unnati account with zero annual charges.

  • Contactless Payment Feature

    SBI Unnati Credit card comes with Contactless Payment Feature, enabling you to make payments of up to Rs. 2,000 by just waving the card only at Contactless PoSs.

S Highlights

  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year

Features

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

C Highlights

  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year
  • Earnd 2x rewards point at super market dining and fule for the first 16000 spent per year

Features

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

  • 1+1 on Movie Tickets Free

    Movie Tickets worth Rs. 6000 every year valid for 2 Tickets in a month

Staff Reviews

Annual Fee

The card comes free of cost for the first 4 years, which is quite good. Although, you will have to pay a fee of Rs. 499 to carry the card afterwards.

Very Good

Finance Charge, Interest Rates (APR)

With 30% annual interest rate, it is a better choice as compared to most of other secured cards Axis Insta Easy Card. Although, interest rate on HDFC secured credit card is way cheaper.

Average

Additional Benefits

Other than annual milestone rewards, SBI Card Unnati lacks a lot in terms of overall benefits earned on a credit card in a year since there is no other benefits available on it.

Poor

Average Cashback Value

Pretty average in terms of cashback value. Whereas, other competing secured credit cards like Axis Insta Easy and Axis MyZone Easy delivers much better value overall.

Average