SBI Card Unnati
Best for students and new-to-credit users. 1 reward point per Rs 100
Terms as of 2026-09-28 · Checked 7 October 2026SBI Card Unnati at a glance
Who it suits: Students and new-to-credit users
Rewards & cashback
| Details | |
|---|---|
| How you earn | 1 reward point per Rs 100 |
| Caps & exclusions | Requires SBI FD of Rs 25,000+ |
| Welcome benefit | Rs 500 cashback on Rs 50,000 annual spend (milestone) |
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Fuel surcharge | 1% waiver on Rs 500-3,000, max Rs 100/month |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | Free + GST |
| Fee waiver | Free for first 4 years; Rs 499 + taxes from year 5 |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | No income proof or credit score needed; SBI FD of Rs 25,000 |
| Age | 21-70 (per card pages) |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Kotak NRI Royale Signature | Kotak Mahindra Bank | Free / ₹1,000 | 0.50% base value | NRIs wanting an INR card backed by NRE/NRO FD |
| ICICI Bank Instant Platinum Credit Card (against FD) | ICICI Bank | Free / Free | See card page | Students/first-time users building credit against an FD |
| Kotak 811 Dream Different | Kotak Mahindra Bank | Free / Free | See card page | Credit-building for new-to-credit users |
| BOI Swadhan RuPay Platinum | Bank of India | Free / Free | See card page | Secured card against term deposit |
| IDBI Bank Imperium Platinum | IDBI Bank | ₹499 / ₹499 | See card page | Secured card against FD (min Rs 20,000; limit up to 85% of FD) |
| Canara Bank RuPay Select Secured | Canara Bank | — / — | See card page | Building credit history against an FD |
Frequently asked questions
What is the annual fee of the SBI Card Unnati?
Joining fee Free and annual fee Free (plus 18% GST). Free for first 4 years; Rs 499 + taxes from year 5.
What rewards does it offer?
1 reward point per Rs 100 Caps/exclusions: Requires SBI FD of Rs 25,000+
Who is eligible?
No income proof or credit score needed; SBI FD of Rs 25,000. A CIBIL score of 750+ improves approval chances.
Is the SBI Card Unnati good for me?
Best for: Students and new-to-credit users. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: www.paisabazaar.com, 2026-09-28. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on SBI Card’s website before applying. FinancePortal is not affiliated with the issuer.