FREE CARD FOR 4 YEARS || FIXED DEPOSIT BASED CARD

SBI Card Unnati

SBI Card Unnati - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
No annual fee for 4 years
✔︎
No income proof or credit score required, since card is issued against a fixed deposit
Annual Fee

₹0

  • Nil
Minimum Income

Not specified

Secured card, issued against minimum fixed deposit of ₹25000

No annual fee for the first 4 years
- Hence it is a good beginner credit card. Before end of 4th year you should be able to get higher reward credit cards, which do not required a fixed deposit as a security

Upto 0.25% reward on all card spends
- You get 1 reward point worth upto ₹0.25, on all card spends.Reward points can be redeemed for gifts on SBI Rewards Catalogue
- Exceptions : Reward points are not given on cash withdrawal, balance transfer, encash, flexipay and fuel transactions

Upto 1% additional reward (milestone program)
- You get ₹500 cashback, at ₹50,000 yearly card spend
- Cashback is credited within 15 days of reaching the ₹50,000 annual card spend target

Fuel surcharge waiver
- You get a 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3000 only. And only on fuel purchases upto ₹10,000 per month, since the waiver amount is restricted to ₹100 per month.

Benefits
- Good beginner card, if you do not meet the eligibility criteria of unsecured credit cards (meaning credit cards issued without security of a fixed deposit)
- No annual fee for 4 years, hence you can use this time to build your credit score and upgrade to higher reward unsecured credit cards

Drawbacks
- Low reward rate on card spends


To read the full review of the card, please click here
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