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SBI Unnati credit card is 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. For every 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.

SBI Unnati Credit Card

Joining Fee


Renewal Fee


Best Suited For

Shopping |

Reward Type

Reward Points

Welcome Benefits


Movie & Dining


Rewards Rate

1 reward point per Rs 100 you spend

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


International Lounge Access




Insurance Benefits


Spend-Based Waiver


Rewards Redemption Fee

Rs 99 per redemption request

Rewards Redemption Fee

Rs 99 per redemption request

Foreign Currency Markup

3.5% on the conversion amount

Interest Rates

3.5% per month ( 42% per annum)

Fuel Surcharge

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

Cash Advance Charges

2.5% on the amount withdrawn subject to a minimum charge of Rs. 500

  • No Annual Charges (For first four years)
  • 1 Reward Point per Rs 100 you spend
  • Rs 500 cashback on annual spending of Rs 50,000 within 15 days
  • 1% surcharge waiver applicable on fuel transactions above Rs. 500 (below Rs. 4,000).

SBI Unnati Credit Card Features & Rewards

SBI Unnati Credit Card Rewards

1 Reward point per Rs. 100 you spend is earned on all categories with an SBI Unnati credit card.

Reward Redemption

The reward points earned using the SBI Unnati credit card are redeemable against a number of gifts and benefits in the SBI Card reward catalogue.

Milestone Benefits

Get Rs. 500 cashback on spending Rs. 50,000 or more in a year. The cashback is provided within 15 days of reaching the milestone.

Other Benefits

  • You get a 1% waiver on surcharge applicable on all fuel transactions between Rs. 500 and Rs. 3000. A maximum waiver of Rs 100 per statement cycle.
  • No annual fee is charged on this SBI Unnati credit card for the first 4 years.

How to Apply for an SBI Unnati Credit Card?

  • You can apply for an SBI Unnati credit card by visiting your nearest SBI branch and filling out the application form.
  • You can also apply for SBI Card online by clicking on Apply Now and filling in your details.

SBI Unnati Credit Card Review

SBI Unnati credit card is a basic secured credit card. It is a great choice for individuals who like to make utility bill payments, EMI transactions, or other essential expenditures using a credit card. The annual fee on the SBI Unnati credit card is waived for up to 4 years. What are your thoughts about the SBI Unnati credit card? Do let us know in the comments section below.


No, you are not charged with an annual fee on your SBI Unnati credit card for the first four years from the card issuance.
You get charged with a fifth-year renewal fee of Rs 500 using the SBI Unnati credit card
You can enjoy an interest-free period of up to 20 to 50 days using your SBI Unnati credit card.
You get charged with an interest rate of 3.50 per month ( 42% per annum) using the SBI Unnati credit card.
SBI Unnati Credit Card

SBI Unnati Credit Card



  1. Rupesh Mandal Reply

    I visited nearest SBI branch to book and FD to apply for Unnati Credit card, but I was told that the card has been discontinued. However I can still see information about the Unnati credit card on the sbi card website and when I asked the customer care, I was told to visit nearest branch. But the bank personnel are telling me the card doesn’t exist anymore. Please guide.

    • Faraz Reply

      I’m not able to find this card even on the website.. maybe they had not updated website then.

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