Sbi Unnati
SBI Card
Sbi Unnati
SBI Card
Annual Fee
FREE
Effective Rate
0.25%
Network
MASTERCARD
Point Value
₹0.25/pt
About Sbi Unnati
SBI Card Unnati is a secured credit card issued against a Fixed Deposit of ₹25,000+. No annual fee for first 4 years (₹499/year from 5th year onwards). Earn 1 Reward Point per ₹100 spent. Get ₹500 cashback on annual spends of ₹50,000. 1% fuel surcharge waiver on ₹500–₹3,000 transactions.
Best For
Pros & Cons
thumb_upPros
- check_circleLifetime free — no annual fee ever
- check_circleFraud Protection
thumb_downCons
- cancelForeign transaction fee applies on overseas spends
- cancelPoints redemption catalog may limit flexibility
Reward Earning Structure
Each point is worth ₹0.25 — an effective return of 0.25% on spend.
| Category | Earn Rate | Per ₹10,000 Spent |
|---|---|---|
| All other spends | 1% | 100 pts≈ ₹25 |
Points can typically be redeemed for flight tickets, hotel bookings, cashback, gift vouchers, or merchandise via the SBI Card rewards portal. Redemption value may vary by option.
Card Benefits
Fraud Protection
Zero liability on fraudulent transactions
~₹1,000/yr value
Fuel Surcharge Waiver
1% fuel surcharge waiver at all petrol pumps
~₹1,500/yr value
Fees & Charges
Key fees at a glance. For the complete schedule refer to the official Key Fact Statement (KFS) on the SBI Card website.
| Annual Fee | Lifetime Free |
| Forex Markup | As per issuer schedule |
| Interest Rate (APR) | Refer to KFS |
| Late Payment Charges | Refer to KFS |
| Cash Advance Fee | Refer to KFS |
Eligibility & Documents Required
Eligibility Criteria
- checkAge: 18–70 years (primary cardholder)
- checkMinimum annual income: As per bank norms
- checkCIBIL score: 750+ recommended
- checkEmployment: Salaried or self-employed Indian resident
Documents Required
- descriptionPAN Card (mandatory)
- descriptionAadhaar / Passport / Voter ID (address proof)
- descriptionSalary slips — last 3 months (salaried)
- descriptionLatest ITR or Form 16 (self-employed / salaried)
- descriptionBank statements — last 3 months
- descriptionPassport-size photograph
Frequently Asked Questions
Common questions about Sbi Unnati.
Ready to apply for Sbi Unnati?
Apply directly on the SBI Card website. Most decisions within 7–10 working days.
Affiliate disclosure: CreditBrain may earn a referral fee if you apply via our link. This does not affect our editorial independence.