SBI Unnati Credit Card
Updated 3 Jul 2026Source-linked
The SBI Unnati Credit Card is a entry credit card from SBI Card, with a joining fee of ₹499 + GST.
SBI Unnati Credit Card
- Joining FeeFree
- Annual Fee₹499
- Best Suited ForEveryday spends
- Reward TypeReward Points (points)
Rewards Rate
- Base rate 0.22%
Welcome Benefits
- Not applicable
Data verified 3 Jul 2026 — see our methodology
SBIentryRewards and Benefits
Rewards Rate
Base 0.22% on other spends.
Reward Redemption
SBI Card Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
N/A
Milestone Rewards
- ₹50,000 / annual: ₹500 Cashback on annual spends of ₹50,000
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
No accelerated categories apply to the spend you entered — everything earns the base rate.
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.2% = ₹33/mo
- Groceries₹8,000 · 0.2% = ₹18/mo
- Dining & food delivery₹8,000 · 0.2% = ₹18/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.2% = ₹22/mo
- Utilities & bills₹5,000 · 0.2% = ₹11/mo
Est.net rewards for this spend, realistic
₹715/yr₹1,214 rewards − ₹499 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹3,000, capped at ₹100 per statement.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- entry card issued by SBI Card.
- Joining / annual fee of ₹499 + GST.
- Available on the Visa network.
Pros & Cons
Pros
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
Cons
- No annual-fee waiver option.
- Standard forex markup of 3.50% — suboptimal for international spend.
- No rewards on fuel spends.
- No complimentary airport lounge access.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- emi
- cash advance
Milestone benefits
- ₹50,000 / annual: ₹500 Cashback on annual spends of ₹50,000 (≈ ₹500 value)
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹3,000, capped at ₹100 per statement.
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 18–70
- Credit score
- —
- Income (salaried)
- —
- Income (self-employed)
- —
Secured card issued against a lien on the cardholder's SBI fixed deposit of ₹25,000 or more.