SBI Unnati Credit Card
Issuer Regulated by RBI
SBI Card logo
SBI Card

SBI Unnati Credit Card

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

Visa
Secured
58
Overall CardCheck ScoreFair

Beginner & Zero Fee Fit Score

85/100

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

Joining Fee

Free

Annual Fee

₹499

Reward Rate (%)

1

Statement credit

Forex Markup

3.5%

Community
(0)
Your Rating

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CardCheck Rating & Score

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

Reward Power

20/35

Fee Value & ROI

22/25

Lounge & Perks

4/20

Forex & Access

12/20

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

1%

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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).

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 score
0+

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.

Quick Links

Data last updated 13 Aug 2026

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