Download the
Paisabazaar app Today!
Paisabazaar app Today!
Get instant access to loans, credit cards, and financial tools — all in one place
Talk to Expert
Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616
Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.
Scan to download on
-
Personal Loan
-
Business Loan
-
Home Loan
-
Other Loans
Overview
By Amount
By Type
By Need
Overview
By Schemes
By Need
By Profession
Overview
By Amount
By Schemes
By Profession
Loan Types
Overview
By Category
Bonds
Fixed Deposit
Mutual Funds
Know Your Score
Investment Calculator
Loan EMI Calculator
Loan Eligibility Calculator
Learn & Resources
SBI Cards
SBI Unnati Credit Card
Rewards
1st Year Fee: ₹ 0
Rewards
1 Reward Point per Rs. 100 spent
Fuel
Save Rs. 1,200 yearly on fuel spends
No Fee
No joining/annual fee for first 4 years
Find Best Credit Card Offers
It hardly takes 2 minutes
+91
0 /10 Digits
Don't worry, this will not affect your credit score
The entered number doesn't seem to be correct
By submitting this form, you have read and agree to the Credit Report Terms of Use, Terms of Use & Privacy Policy
About SBI Unnati Credit Card
SBI Unnati is a secured entry-level card that enables consumers to build their credit. The card is issued against a fixed deposit of Rs. 25,000. Cardholders earn 1 Reward Point for every Rs. 100 spent on eligible transactions. Accumulated Reward Points can be redeemed for a wide range of products available in the Rewards Catalogue. Besides this, consumers can also avail a milestone benefit of Rs. 500 cashback on annual spends of Rs. 50,000.
Additionally, this card offers a 1% fuel surcharge waiver and no joining or annual fee for the first four years. However, apart from its reward structure and milestone cashback, this secured credit card doesn’t have much else to offer. It lacks lifestyle, travel, dining, or shopping benefits, making it a basic credit-building card rather than a value-added option.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit SBI Card’s website.
Key Features and Benefits
Reward Program
- 1 Reward Point for every Rs. 100 spent1
Milestone Benefit
- Rs. 500 cashback within 15 days of spending Rs. 50,000 per year
Fuel Surcharge Waiver
- 1% surcharge waiver on all fuel spends of Rs. 500 to Rs. 3,000, up to Rs. 100 per month
No Annual Fee
- No joining and annual fee for the first 4 years of card membership
Contactless Transactions
- Make contactless transactions just by tapping the card at the POS
SBI Unnati Credit Card: Fees & Charges
| Particulars | Amount | ||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Nil | ||||||||||||||
| Annual Fee | Rs. 499 + Taxes (5th year onwards) | ||||||||||||||
| Finance Charges | 3.75% per month (45% p.a.) | ||||||||||||||
| Late Payment Fee |
|
Things to Know Before you apply
Get this card if
You are new to credit card and not eligible for unsecured cards
You want to build or improve your credit score while saving on everyday spends
You are looking for a low annual fee card with basic benefits
Other Similar Cards
Paisabazaar Review
What do we like about this card?
SBI Unnati Credit Card is a secured, beginner-friendly card designed for consumers who are new-to-credit. The card is issued against a fixed deposit of Rs. 25,000. Cardholders can earn 1 Reward Point on every Rs. 100 spent and a milestone cashback of Rs. 500 on annual spends of Rs. 50,000. Besides this, it offers limited benefits such as fuel surcharge waiver and contactless payments, making it a suitable option for consumers who are planning to start their credit journey.
Pros
- 1 Reward Point on every Rs. 100 spent
- Save Rs. 1,200 on fuel spends every year
- No annual fee charged for the first 4 years
Cons
- No lifestyle, shopping or travel-related benefits
- No welcome benefits are offered
Footnotes
- Exclusions: Cash advance, balance transfer, encash, flexipay and fuel transactions are not included in reward points program.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
Explore other Card Categories
Explore Cards from Leading Issuers
HSBC Bank
HDFC Bank
SBI Cards
American Express
ICICI Bank
Kotak Mahindra Bank
Axis Bank
Standard Chartered Bank
YES BANK
RBL Bank
IndusInd Bank
IDFC FIRST Bank
AU Small Finance Bank
Federal Bank
BOBCARD
Punjab National Bank
SBM Bank
Canara Bank
Equitas Small Finance Bank
IDBI Bank
Indian Bank
DBS Bank
Bank of India
Check eligibility for best credit cards
Check Eligibility