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SBI Unnati Credit Card

ShoppingFuel
Welcome offerNot verified from configured sources
Annual fee
₹ 499
Reward rate
1 point per Rs 100 spent
Credit score
750+
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Free to apply via CardGuruji · subject to issuer approval

SBI Unnati Credit Card
VisaMastercard
Rewards

How the rewards work

What you earn on every spend, and the ways you can cash it in.

You earn

1 point per Rs 100 spent

1 Reward Point per Rs 100 spent on all purchases. Redemption: 1 RP = Rs 0.25. Redemption fee Rs 99 per request.

Reward currency
Reward Points
Card network
Visa · Mastercard
Perks

What you get with this card

The privileges that come bundled in, beyond the reward points.

  • 1% fuel surcharge waiver on fuel spends between Rs 500 and Rs 3,000 (max Rs 100 per statement cycle)

  • Rs 500 cashback on annual spend of Rs 50,000

  • Add‑on cards for family members

  • FlexiPay conversion for transactions above Rs 2,500

  • Cash withdrawal from Visa/Mastercard ATMs

Costs

Fees & charges

Everything the issuer can bill you for, in one place.

Annual fee
₹499Charged every year from the second year

Other charges

Applied only when the situation arises

Balance transfer
Not verified from configured sources
Foreign currency markup
3.5% of transaction value
Late payment
Not verified from configured sources
Returned payment
Not verified from configured sources

Interest rates

Charged on any balance you carry forward

Purchases
3.5% per month (42% per annum)
Balance transfer
Not verified from configured sources
Cash advance
Not verified from configured sources

Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with SBI Card before you apply.

Eligibility

Will you qualify?

The credit profile this card is typically approved for.

750+out of 900
Not verified from configured sources credit score

What this means for your application

  • Higher scores improve both your approval odds and the credit limit you're offered.
  • Issuers also weigh income, employment stability and your existing debt.
  • A rejected application leaves a hard enquiry on your report — apply only when you comfortably qualify.

Note: this is a guideline, not a hard cut-off. Existing customers of SBI Card are often approved on slightly lower scores.

Frequently Asked Questions

Frequently Asked Questions about SBI Unnati Credit Card

Everything you need to know about SBI Unnati Credit Card fees, reward conversion, lounge access, and application eligibility.

The joining fee for SBI Unnati Credit Card is nominal, and the annual renewal fee is ₹499 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.

To qualify for SBI Unnati Credit Card from SBI Card, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.

SBI Unnati Credit Card is designed to reward everyday spends. It currently features: "Not verified from configured sources". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via SBI Card's rewards portal.

SBI Unnati Credit Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.

You can apply for SBI Unnati Credit Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.