SBI Unnati Credit Card

  • Joining Fee: Nil
  • Renewal Fee: Rs 499/-
  • Best Suited For: Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: NA
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SBI Unnati credit card, a secured credit card offered by the SBI Card. The SBI Unnati credit card is given to customers with a Fixed term deposit of Rs 25,000 or above with the State Bank of India. For every transaction of Rs. 100 done using the SBI Unnati credit card you earn 1 reward point. With this SBI Unnati credit card, you earn a milestone advantage of Rs 500 cashback if you spend Rs 50,000 or above in a year. Also, a waiver on the annual fee is provided for up to 4 years from the date of card issuance. To know more about the SBI Unnati Credit card, keep reading.

New Features

Spend Based Waiver


Interest Rates

3.5% per month ( 42% per annum)

Add-on Card Fee


Rewards Redemption Fee

Rs 99 per redemption request

Fuel Surcharge

1% surcharge waiver on all fuel purchases using the SBI Unnati credit card

Foreign Currency Markup

3.5% on the conversion amount

Cash Advance Charges

2.5% on the amount withdrawn subject to a minimum charge of Rs. 500

Movie & Dining




International Lounge Access


Rewards Rate

1 reward point per Rs 100 you spend



Insurance Benefits


Reward Redemption

1 RP = Rs 0.25 on redemption against a host of gifts and benefits at the SBI Card rewards catalog.

Domestic Lounge Access


Zero Liability Protection



No data available


No data available

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