SBI Unnati Credit Card
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SBI Card

SBI Unnati Credit Card

Visa
Secured

Your rating

Community rating

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

Joining Fee

Free

Annual Fee

₹499

Reward Rate

1%

Forex Markup

3.5%

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Key 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

Rewards

How you earn back on every swipe

cashback

Reward type

1%

Earn rate

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)

Travel & 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

Tips & reviews

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

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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.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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