SBI Unnati Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹0
₹0
Free
No lounge access
Contents
SBI Unnati is a simple, value-for-money entry-level credit card from SBI Card designed for everyday spends. It offers a basic reward-earning rate, fuel surcharge waiver, and milestone cashback on annual spends. The card is aimed at new-to-credit and budget-conscious cardholders seeking a low-fee option.
Features of SBI Unnati Credit Card which makes it unique
Simple Rewards
Straightforward earn rules for easy redemption
Easy to track and redeem
Less complex than premium cards
Rewards Structure of SBI Unnati Credit Card
Base
baseMilestones of SBI Unnati Credit Card
Annual Spend Milestone
₹50,000 : ₹500 cashback
Fees & Charges of SBI Unnati Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee may apply from year 5; fee waiver on specified spends as per bank T&Cs.
Fee Explanation Fees and waivers follow SBI Card's published terms; check latest T&Cs for exceptions.
Detailed Explanation of SBI Unnati Credit Card Fees
Joining Fee: 0 (one-time)
No joining fee for initial period as per bank communication.
Annual Fee: 0 (yearly)
No annual fee for initial years; check bank T&Cs for year 5 onward.
Cash Advance Fee: 2.5% (transaction)
Minimum charges and ATM rules apply.
Additional Features of SBI Unnati Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Add-on cards available subject to bank approval
Welcome Bonus with SBI Unnati Credit Card
Welcome Bonus: No bonus
Bonus Conditions: N/A
Application Process for SBI Unnati Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card portal
Upload KYC documents
Receive verification call or OTP
Card dispatched within standard processing timelines
Required Documents for SBI Unnati Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
SBI Unnati Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted internationally subject to network acceptance
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI Unnati Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must satisfy KYC requirements; bank may require additional checks.
How Approval Is Decided
- Indian resident
- Satisfactory KYC and internal bank checks
- Credit eligibility as per bank policy
Pros of SBI Unnati Credit Card
- Low-cost entry card
- Fuel surcharge waiver
- Milestone cashback on annual spend
Cons of SBI Unnati Credit Card
- Low reward earning rate
- Limited premium benefits and partner offers
Frequently Asked Questions about SBI Unnati Credit Card
Is there a joining or annual fee?
No joining fee; no annual fee for the initial years. Check SBI Card T&Cs for fees from year five onward.
What is the reward earning rate?
You earn 1 reward point for every ₹100 spent on retail transactions.
Are rewards redeemable for flights or hotel stays?
Rewards can be redeemed via SBI Card's rewards catalogue; partner conversions depend on bank partnerships.
Does the card offer any fuel benefit?
Yes — a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 (up to ₹100 per statement cycle).
How do I get the milestone cashback?
You receive ₹500 cashback on achieving annual spends of ₹50,000; timing and eligibility per bank terms.
What KYC documents are required to apply?
Standard KYC: PAN and Aadhaar (or alternatives such as passport or utility bills) as per bank policy.
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