SBI

SBI Unnati Credit Card

Secured, FD-backed SBI Card Unnati is free for the first 4 years — earn 1 Reward Point per ₹100, ₹500 cashback on ₹50,000 annual spends

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Issued by

SBI

SBI Unnati Credit Card image
Joining FeeFree
Annual Fee₹499
Income₹24999
Credit Score720

Key Highlights

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

Shopping

Get ₹500 Cashback Credited Automatically on Reaching Annual Retail

Spends of ₹50,000 an effective 1% milestone reward on everyday spending

Get ₹500 Cashback Credited Automatically on Reaching Annual Retail

Spends of ₹50,000 an effective 1% milestone reward on everyday spending

Eligibility

Age Criteria21-60
Credit Score720
Salaried Income₹3 LPA
Self-employed Income₹3 LPA
Employment TypeSelf Employed, Salaried
New to CreditEligible

Fees & Waivers

Joining FeeFree
Joining Fee OffsetNot Applicable
Annual Fee₹499
Annual Fee WaiverAnnual fee is waived (free) for the first 4 years
Estimated Annual Saving₹10000

Rewards & Redemption

Reward Conversion1 Reward Point = ₹0.25
Redemption Options
  • Gift & Vouchers
  • Shop & Smile
Earning ExclusionsCash Advance, Balance Transfer, EMI, Fuel Transaction
Spend ExclusionsCash Advance, Balance Transfer, EMI, Fuel Transaction

Benefits

All 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

Fuel Surcharge Waiver Benefits

  • 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000 at all petrol pumps across India, capped at a maximum waiver of ₹100 per statement cycle

Documents

PAN Card
Aadhaar Card or valid address proof
Latest salary slips or income proof
Recent bank statements

Terms

The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
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