What is the annual fee for SBI Unnati Credit Card?

The annual fee for SBI Unnati Credit Card is ₹499.

What is the joining fee for SBI Unnati Credit Card?

The one-time joining fee for SBI Unnati Credit Card is nil (no joining fee).

What are the rewards and benefits of SBI Unnati Credit Card?

SBI Unnati Credit Card earns cashback rewards. Reward rate ranges from 1% to 1%.

What lounge access benefits does SBI Unnati Credit Card provide?

SBI Unnati Credit Card provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

What is the eligibility criteria for SBI Unnati Credit Card?

To be eligible for SBI Unnati Credit Card, you need a minimum monthly income of ₹0.

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SBI Card

SBI Unnati Credit Card

Name: SBI Unnati Credit Card
Brand: SBI Card
Price: 499 INR
Availability: InStock

The SBI Unnati Credit Card is a secured credit card issued against an SBI Fixed Deposit of ₹25,000 or more.

Secured

CardCheck ScoreFair

Top Category Performance

Beginner & Zero Fee (85/100)

Best for: Building credit — secured card against SBI fixed deposit, 1% cashback

Joining Fee

Free

Annual Fee

₹499

Reward Rate (%)

Forex Markup

3.5%

Community

(0)

Your Rating

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

FairScore / 100

Reward Power

20/35

Fee Value & ROI

22/25

Lounge & Perks

4/20

Forex & Access

8/20

Category Strengths Breakdown

Ranked by strongest spend category

Zero Fee & Starter

85/100

Online Shopping

84/100

Cashback Spends

80/100

Fuel & Petrol

62/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

SBI Unnati Credit Card Benefits

Secured card against SBI FD — no credit score requirement

1% cashback on all eligible retail purchases

Annual fee waived for first 4 years with no payment default

Helps establish or improve CIBIL credit score

1% fuel surcharge waiver on ₹500–₹3,000 transactions

SBI Unnati Credit Card Rewards

How you earn back on every swipe

cashback

Reward type

Earn rate

SBI Unnati Credit Card Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining feeFree

Annual fee₹499

Interest-free period50 days

Interest rate (APR)36% – 42%

Late payment fee (max)₹1,300

Cash advance fee2.5% (min ₹500)

Forex markup3.5%

Fuel surcharge waiverYes (₹500–₹4000)

SBI Unnati Credit Card Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Things to Keep in Mind

No cashback on fuel, EMI, cash advances, utility payments, government transactions
Requires SBI Fixed Deposit of ₹25,000 minimum to apply

Card Features

Metal Card

Contactless

UPI Linked

Annual Fee: ₹499

This card carries a fixed annual fee of ₹499. At ~1% estimated return, spending approximately ₹4,158/mo earns enough rewards to fully offset the annual fee.

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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SBI Unnati Credit Card Eligibility

Age18+ yrs – 70

Min. incomeFree/month

CIBIL score0+

Employment type

SalariedSelf employed

Pros & Cons

Pros

No credit history required — issued against SBI Fixed Deposit
1% cashback on all retail spends
Annual fee waived for first 4 years (no default)
Helps build/repair credit score
Simple, no-complex-rewards structure

Cons

Requires ₹25,000 minimum SBI Fixed Deposit as collateral
No lounge access
Annual fee of ₹499 from Year 5 onwards
Credit limit capped at FD amount

Who is this card for?

Individuals with no credit history, new-to-credit users, or those with poor credit scores who want to build their credit profile while earning basic cashback. Requires an SBI Fixed Deposit of ₹25,000 minimum.