SBI Card Unnati: Ek Affordable aur Powerful Credit Card Option

Namaste doston! Aaj hum baat karenge "SBI Card Unnati" ke baare mein, jo ek aisa credit card hai jo aapke budget aur lifestyle ke liye perfect hai. Yeh card specially unke liye design kiya gaya hai jo ek reliable aur low-cost credit card chahte hain. Is article mein hum aapko SBI Unnati Credit Card ke features, benefits, application process, aur eligibility ke baare mein sab kuch batayenge. To chaliye shuru karte hain!

SBI Unnati Credit Card ek entry-level credit card hai jo State Bank of India (SBI) offer karta hai. Iska main attraction yeh hai ki yeh pehle 4 saal tak "bilkul free" hota hai, yani koi annual fee nahi! Iske alawa, yeh card rewards, cashback, aur flexible usage ke saath aata hai, jo isse beginners ya pehli baar credit card lene walon ke liye ek shandaar option banata hai. To aaiye iske details mein gote lagate hain.

SBI Unnati Credit Card Kya Hai?

SBI Unnati Credit Card ek secured credit card hai jo SBI ke fixed deposit (FD) ke against issue kiya jata hai. Yeh card un logon ke liye perfect hai jo credit card ke benefits enjoy karna chahte hain par high fees ya complex terms se door rehna chahte hain. Iska ek bada fayda yeh hai ki yeh Jan Dhan account holders ke liye bhi available hai, jo isse aur bhi accessible banata hai.

Key Features of SBI Unnati Credit Card

Zero Annual Fee: Pehle 4 saal tak koi annual fee nahi. 5th year se ₹499 + GST charge hota hai.

Reward Points: Har ₹100 ke transaction par 1 reward point milta hai, jo SBI Rewards Catalog mein redeem kiye ja sakte hain.

Cashback Offer: Agar aap ek saal mein ₹50,000 ya usse zyada spend karte hain, to ₹500 ka cashback milta hai.

Fuel Surcharge Waiver: 1% fuel surcharge waiver (max ₹100 per billing cycle) ₹500-₹3,000 ke transactions par.

Worldwide Acceptance: Visa platform par kaam karta hai, jo isse globally accepted banata hai.

Add-on Cards: Family members ke liye add-on cards le sakte hain.

SBI Unnati Credit Card Ke Benefits

SBI Unnati Card ke benefits isse ek attractive option banate hain, khas kar unke liye jo apna credit score build karna chahte hain ya low-maintenance card dhundh rahe hain. Yeh raha iske kuch top benefits:

No Annual Fee for 4 Years: Pehle 4 saal tak bilkul free, jo budget-conscious users ke liye ek bada plus point hai.

Cashback aur Rewards: Shopping, dining, ya travel par rewards aur cashback ka fayda uthayein.

Credit Score Building: Regular usage aur timely payments se aap apna credit score improve kar sakte hain.

Jan Dhan Account Holders ke Liye: Yeh card Jan Dhan account holders ke liye bhi available hai, jo isse inclusive banata hai.

Secure Transactions: Visa ke platform par secure aur hassle-free transactions.

SBI Unnati Credit Card Ka Application Process

SBI Unnati Card ke liye apply karna kaafi simple hai, lekin iske liye aapko SBI branch visit karna hoga kyunki online application abhi available nahi hai. Yahan step-by-step process diya gaya hai:

1. Fixed Deposit Kholo: Sabse pehle, SBI mein minimum ₹25,000 ka Fixed Deposit (FD) account kholna hoga. Yeh card FD ke against issue hota hai.

2. Application Form Bharo: SBI branch se Unnati Credit Card ka form lein aur usse carefully bhar dein.

3. Documents Submit Karo: Required documents ke copies, ek passport-size photo, aur filled form branch mein jama karein.

4. Verification Process: Bank aapke documents verify karega aur FD ke basis par card issue karega.

5. Card Delivery: Verification ke baad, card aapke registered address par deliver ho jayega.

Note: Application process offline hai, isliye branch visit karna zaroori hai.

Important Documents for SBI Unnati Credit Card

SBI Unnati Card ke liye apply karte waqt aapko kuch basic documents ki zarurat hogi. Yeh raha list:

• Identity Proof: Aadhaar Card, PAN Card, Passport, Driving License, ya Voter ID.
• Address Proof: Aadhaar Card, Utility Bill (electricity/water), Passport, ya Rent Agreement.
• Income Proof: Salary slips ya bank statements (optional, FD ke basis par).
• Passport-Size Photo: Ek recent passport-size photograph.
• FD Details: Fixed Deposit account ka proof (bank passbook ya FD receipt).

Yeh documents ready rakhne se application process smooth ho jata hai.

SBI Unnati Credit Card Ke Liye Eligibility Criteria

SBI Unnati Card ke liye eligibility criteria kaafi straightforward hai. Yeh raha details:

• Nationality: Applicant ko Indian citizen hona chahiye.
• Age: Minimum 18 saal aur maximum 65 saal.
• Fixed Deposit: Minimum ₹25,000 ka FD SBI mein hona chahiye.
• Jan Dhan Account Holders: Jan Dhan account holders bhi apply kar sakte hain.
• SBI Customer: Aapko SBI ka customer hona chahiye (savings account ya FD ke through).

Agar aap in criteria ko meet karte hain, to aap easily is card ke liye apply kar sakte hain.

Additional Information About SBI Unnati Credit Card

★Credit Limit

SBI Unnati Card ka credit limit aapke FD amount par depend karta hai. Generally, yeh FD ke 90% tak hota hai. For example, agar aapka FD ₹25,000 ka hai, to credit limit around ₹22,500 hoga.

★Interest-Free Credit Period

Is card mein 20-50 days ka interest-free credit period milta hai, agar aap apna bill time par pay karte hain. Isse aapko short-term credit ka fayda milta hai.

★Security

Yeh ek secured credit card hai, jo FD ke against diya jata hai. Isliye, default ka risk kam hota hai, aur yeh new credit card users ke liye safe option hai.

FAQs About SBI Unnati Credit Card

Q1: SBI Unnati Card ke liye online apply kar sakte hain? 

Ans: Nahi, abhi SBI Unnati Card ke liye online application facility available nahi hai. Aapko SBI branch visit karke apply karna hoga.

Q2: Kya Jan Dhan account holders is card ke liye eligible hain?  

Ans: Haan, Jan Dhan account holders bhi is card ke liye apply kar sakte hain, bas unke pass minimum ₹25,000 ka FD hona chahiye.

Q3: SBI Unnati Card ka annual fee kitna hai? 

Ans: Pehle 4 saal tak koi annual fee nahi hai. 5th year se ₹499 + GST charge hota hai.

Q4: Is card ka credit limit kaise decide hota hai?  

Ans: Credit limit aapke FD amount ka 90% tak hota hai. Minimum FD ₹25,000 hona chahiye.

Q5: Kya is card se international transactions kar sakte hain?  

Ans: Haan, yeh card Visa platform par kaam karta hai, to aap isse globally use kar sakte hain.

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Why Choose SBI Unnati Credit Card?

SBI Unnati Card ek shandaar option hai un logon ke liye jo ek simple, affordable, aur rewarding credit card chahte hain. Iska zero annual fee (pehle 4 saal tak), cashback offers, aur reward points isse beginners ke liye perfect banate hain. Iske alawa, yeh card Jan Dhan account holders ke liye bhi accessible hai, jo isse ek inclusive product banata hai. Agar aap apna credit score build karna chahte hain ya ek hassle-free credit card dhundh rahe hain, to SBI Unnati Card ek badhiya choice hai.

Toh doston, agar aapko yeh card pasand aaya, to jaldi se apne nazdeeki SBI branch visit karein aur apply karein. Aur haan, apne experiences ya questions ko comments mein zaroor share karein! 😊

★ Sources:  

• SBI Unnati Card Eligibility, Benefits, Card Limit, and How to Apply in Hindi  
• Official SBI Card Website 

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