Out of so many lenders in the marketplace, still you can secure your own credit card even if you don’t have any credit history. As State Bank of India, the widely trusted bank has made possible for all the applicants by making the application process easier as ever before. Just you have to attach your KYC documents along with your application form in order to get your application approved for availing SBI Unnati Credit Card. With a minimum SBI Unnati Credit Card limit of ? 25,000 in your SBI savings bank account, you can get the card more easily at your doorstep. In order to fulfill your immediate financial requirements, you can use SBI Unnati Credit Card without any effort as this credit card offers free facility for the first four years. Offer shelter to your hopes of getting covered under the digital space by availing SBI Unnati Credit Card within your reach. However, to avail this card, a customer needs to maintain a minimum balance of ? 25,000 in order to become eligible. SBI Unnati Credit Card Features The users will now get instant benefits on their SBI Unnati Credit Card in the following ways: Instant cash back offers worth ? 500 on spends of ? 50,000 or more in a year. One reward point per ? 100 spent on the card. Accessibility to SBI Unnati Credit Card throughout 24 million outlets at any corner of the world. This also includes 3,25,000 outlets in India. By using SBI Unnati Credit Card, payments can be made successfully at any outlet which accepts Visa or MasterCard. Now users can also include their family members by accessing to add-on cards. The age limit of the family members should be over 18 years. The withdrawal provision is accessible from over one million Visa or MasterCard ATMs at any corner of the world. Make payments successfully for your electricity, telephone, mobile and other utility bills by using the Easy Bill Pay facility on SBI Unnati Credit Card. Now you can instantly transfer the remaining balance of other credit cards to SBI Unnati Credit Card and get a lower interest rate. You can also pay back it in equated monthly installments(EMIs). The users of SBI Unnati Credit card can use the Flexipay facility in order to translate their transactions into easy monthly installments. They can also make purchases valued ? 2,500 or more using their SBI Unnati Credit Card and log in with their username and password on SBI Card website within 30 days of purchase in order to convert it into Flexipay. With an Easy Money option, the users can obtain a cheque or a draft against their stipulated cash limit and get their delivery done at their doorstep. SBI Unnati Credit Card Charges The following are the charges which you have to pay to have your SBI Unnati Credit Card: Clear your previous month’s outstanding dues if you have any, on any retail purchase and get 20 to 50 days interest free credit time limit Be ready to pay minimum service charge of 2.50% which goes upto 30.0% per annum for the transaction. 80% of credit limit is available to you if you make maximum purchases worth ? 12,000 per day. Pay 2.50% per month on every cash withdrawal which amounts to 30.0% per annum from the withdrawal date. On every transaction, you have to pay 2.5% of the transaction amount which is accessible on SBI ATMs or other bank ATMs for a minimum of ? 300. 2.5% of the transaction amount is chargeable on SBI ATMs or other bank ATMs which is for a minimum of ? 300. 3% of transaction amount is chargeable for using international ATMs for a minimum of ? 300. For cheque pick ups for SBI Unnati Credit Card, you have to pay ? 90 For every payment dishonour, you have to pay 2% fees on every payment costing you a minimum of ? 350. Retrieve your statements for SBI Unnati Credit Card by paying ? 100 per statement for the charges which are two or three months old.