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Explore cards from India's leading banks.
Last updated: 8 November 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
1 Reward Point per ₹100 spent
Earn 1 Reward Point for every ₹100 spent on general retail purchases. 4 Reward Points = ₹1 (Base redemption value of ₹0.25 per point). Cash advances, fuel, and balance transfers do not accrue reward points.
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual fee of ₹499 is completely waived for the first 4 years
₹500 cashback on achieving an annual retail spend of ₹50,000 or more
1% fuel surcharge waiver across all petrol pumps in India on transactions between ₹500 and ₹3,000 (capped at ₹100 per billing cycle)
Issued against a lien on a Fixed Deposit (FD), making it easy to get without income documents
An honest read on where this card earns its keep — and where it doesn't.
No CIBIL score or income proof required
Free for the first 4 years, effectively making it a lifetime free card for the short term
Excellent tool for building or repairing a damaged credit score
Lower APR (2.75% per month) compared to standard unsecured credit cards
Requires your funds to be locked in a minimum ₹25,000 Fixed Deposit
Low base reward rate of 0.25%
Credit limit is usually capped at 80% to 90% of the fixed deposit amount
No premium perks like airport lounge access
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how SBI Unnati Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about SBI Unnati Credit Card fees, reward conversion, lounge access, and application eligibility.
SBI Unnati Credit Card has an annual fee of ₹499 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Zero annual fee for the first 4 years of card issuance.".
SBI Unnati Credit Card earns Reward Points at a primary rate of 1 Reward Point per ₹100 spent. Specifically, Earn 1 Reward Point for every ₹100 spent on general retail purchases. 4 Reward Points = ₹1 (Base redemption value of ₹0.25 per point). Cash advances, fuel, and balance transfers do not accrue reward points.. Spends in Entry Level categories provide the maximum valueback per transaction on this card.
Rewards earned on SBI Unnati Credit Card can be redeemed for Pay with Rewards, SBI Card Catalogue, Gift Vouchers via SBI's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
A CIBIL credit score of 720 or above is strongly recommended for approval of SBI Unnati Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
SBI Unnati Credit Card is issued on the Visa or Mastercard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
SBI Unnati Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
SBI Unnati Credit Card currently features a welcome offer: "Zero annual fee for the first 4 years of card issuance.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include No CIBIL score or income proof required and Free for the first 4 years. However, keep in mind that Requires your funds to be locked in a minimum ₹25 and 000 Fixed Deposit. Overall, SBI Unnati Credit Card delivers strong value if your regular spending aligns with Entry Level.
SBI Unnati Credit Card is focused on Entry Level valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, SBI Unnati Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver across all petrol pumps in India on transactions between ₹500 and ₹3). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
