State Bank of India
SBI Unnati Credit Card
Best for rewards, beginners
₹499/yr annual fee
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹499/yr
Reward rate
Not published
Min. income
₹2,00,000
Forex markup
3.5%
Lounge access
None
Eligibility
₹2 lakh/yr · CIBIL 650+
Reward cap
No published cap
Welcome benefit
None beyond the reward rate
Who is this for
- Rewards optimiser
- First-time cardholder
Watch out for
- 3.5% foreign-transaction markup
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹499 | Not waivable |
| Annual fee | ₹499 | Waived on annual spends ≥ ₹50,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹500 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹500 and ₹3,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 1.00 | — | 0.25 |
Benefits
-
Welcome benefit
₹500 welcome e-voucher on first transaction within 30 days — ₹500
-
Fuel surcharge waiver
1% fuel surcharge waiver — 1% waiver
Eligibility
- Age
- 21–65 years
- Min. income
- ₹2,00,000
- Min. credit score
- 650+
- Score note
- Stable income
- Employment
- Salaried, self-employed
- Documents
- SBI entry-level LTF-on-spend card
SBI Unnati Credit Card is a VISA credit card from SBI Card. It is best suited for rewards, beginners.
Fees and rewards
- Annual fee: ₹499
- Joining fee: ₹499
- Rewards: 1 reward point per ₹100
Eligibility
SBI entry-level LTF-on-spend card
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Apply for SBI Unnati Credit Card
Last reviewed · How we review
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