How to Apply for SBI Unnati Credit Card Online

SBI Unnati Credit Card Apply Online
SBI Unnati Credit Card is a secured card which means it needs a fixed deposit which becomes its credit line. I needed a credit card recently due to two reasons- one was to use on international transactions and the second reason was to create and maintain my credit score to get better credit cards.

Since an unsecured credit card requires too many formalities like credit score, ITR, previous loans, etc, I thought of getting a secured credit card. Since I had a savings account with State Bank of India, getting a credit card from SBI seemed a great option.

If you are a student, unemployed or housewife, SBI Unnati credit card is the best option for you. It comes free for the first four years.

If you visit SBI web page for Unnati Credit Card, they mention: “To apply, contact your nearest State Bank branch”. However, I did not visit the branch even a single time and I got the Unnati card delivered to my home.

The minimum amount needed for fixed deposit is Rs. 25000. You would get a credit limit of 80% on fixed deposit i.e. Rs. 20000. I have a fixed deposit of Rs. 50000. That’s why I got a credit limit of Rs. 40000. This limit will keep increasing with increasing transactions and credit history.

Steps to Apply for SBI Unnati Credit Card Online:

1. First of all, you must have a fixed deposit of Rs. 25000 or more. If you already have an FD, then you are already set. Otherwise, you can create an FD online using SBI Online net banking facility.

2. Now go to this link: Apply for SBI Unnati Card.

3. Enter all the details and select Card Type as ‘SBI Card Unnati’.

4. Click Submit and you will get a call in 1-2 days from SBI Card representative. She will ask basic details and send an agent to collect documents and get the form filled.

5. You will need to enter FD account number on the form against which you want to get a credit card.

6. You will receive your SBI Unnati credit card in a few days at your home via courier.

Also Read:
How to Get Free Virtual Debit Card for International Transactions- Paypal, PSN, Google Wallet

21 thoughts on “How to Apply for SBI Unnati Credit Card Online”

  1. Is this card still issued? I can see the card listed at the website but executives told me this card has been discontinued and didn’t accept my application at the branch.

    • You can contact SBI Card through the phone to confirm.

  2. The link does not work. It said the application cannot be submitted.

    • The link is working perfectly fine.

  3. Sir I apply unnati card from SBI branch on dtd 26/11/2018.
    I received a call from SBI on 10/12/18 they asked my name dob my father name and told me after 10 days u will receive your card but still I have not received my card so how can I know the status of my card

  4. I applied for the card on 2nd of this January,got the verification call from delhi number the very same the problem is as i applied from the nearest branch,unfortunately i did not note the application its been ten days (almost) and i have not received a single msg or call from sbi…and when i try to find my application number by feeding my pan number and date of birth it says that there is no application with these details.please tell me..were u aware of your application number or was it showing any update when you looked online and finally how many days it took you to receive the card finally? And please also update if in between u were ever contacted my sbi personals.thnx n regards

    • You will receive the card in a few days. You can call them on their toll free number 18001801290.

  5. 1> FD ko home branch se banwana jaruri h ya fir kisi bhi city se banwa sakte h ?
    2> Mera SBI account Gangapur City ka h to me jaipur ki kisi bhi branch se FD banwa sakta hu kya ?

    • Jaha account hai FD ussi branch se banegi.

  6. The FD should be of how much period to be able to apply for this card?

    • Period doesn’t matter. You can’t close the FD without surrendering the card.

  7. How many days it gets to come representative at home …?

    • You will get a call from SBI Card representative. You can schedule the time and date then.

  8. Sir documents submit krwane k kitne din baad tracking number mil jata h

    Or documents submit krwane k baad koi verification call aata h kya sbi ki trf se

    • Jab wo credit card send karenge tab tracking number milega. Koi verification call nhi aata.

      • Sir I got 2 verification call one from my local city another from Delhi I applied SBI unnati card from branch almost 1month passed still the card is not delivered to me.

    • Rs 500 cashback on spends of Rs 50,000 or more in a year will be applied for all years till you hold the card.

  9. hello sir much time it will took for you to get the card asking cuz today only i submitted my FD Account Number and it coming via speed post or courier ?
    3.did you got any type of confirmation message when you submitted document?

    thanks and keep up the good work

    • Hi Rohit

      1. It took around 15 days to get the card.

      2. It came via Bluedart courier.

      3. You would get a confirmation message when the documents get received by the company.


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