SBI
SBI Unnati Credit Card
This is an invite only card
Top Benefits
Start With an FD of Just ₹25,000
a low entry barrier, with your credit limit set against the FD amount, No Income Proof or Eligibility Hassle, Ideal for first-time credit users, students, homemakers and the self-employed
Get ₹500 Cashback Credited Automatically on Reaching Annual Retail
Spends of ₹50,000 an effective 1% milestone reward on everyday spending
Best For
Shopping
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹589 ( ₹499 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- SBI Card Unnati is a secured, FD-backed credit card issued against a lien on an SBI fixed deposit of ₹25,000 or more
- free for the first 4 years ₹499 annual fee waived
- Earn 1 Reward Point per ₹100 on eligible retail spends and ₹500 cashback on annual spends of ₹50,000
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Gift & Vouchers
- Shop & Smile
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Cash Advance
Balance Transfer
EMI
Fuel Transaction
For Spends Waiver
Cash Advance
Balance Transfer
EMI
Fuel Transaction
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 3.5% |
APR Fees Finance charges of 2.75% per month (33% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 2.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees ₹99 + taxes redemption fee per redemption | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of ₹199 + GST applies on rental transactions made using the credit card | ₹199 |
cheque Payment Fees A fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees A fee of ₹250 is levied when the outstanding is paid in cash over the counter | ₹250 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹1,000 | ₹400 |
| ₹1,001 - ₹10,000 | ₹750 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1100 |
| Above ₹50,000 | ₹1300 |
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Start With an FD of Just ₹25,000
a low entry barrier, with your credit limit set against the FD amount, No Income Proof or Eligibility Hassle, Ideal for first-time credit users, students, homemakers and the self-employed
Get ₹500 Cashback Credited Automatically on Reaching Annual Retail
Spends of ₹50,000 an effective 1% milestone reward on everyday spending
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