SBI Card
SBI Unnati Credit Card
Annual Fee
₹589₹499 + GSTBase Reward
1% points
Foreign Markup
3.5% on the conversion amount
Welcome Benefits
NA
Product Highlights
- No Annual Charges for first four years
- 1 Reward Point per ₹100 spent
- ₹500 cashback on annual spending of ₹50,000 within 15 days
Fee Waiver
Waived for first 4 years
Reward Calculator
Earns ₹161/year (net)
Modest gain. Solid hold if you like the perks.
₹25K
across all your buckets
3K
SBI Reward Points
₹750
via standard · ₹0.25/pt
Effective rate
0.25%
Annual fee
₹589
Year 1 net
+₹161
Year 2+ net
+₹161
ongoing
Adjust your spend by reward bucket
1 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹3,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
1 reward point per ₹100 spent on all categories.
- 1 RP = ₹0.25 on redemption against a host of gifts and benefits at the SBI Card rewards catalog.
Benefits & Features
1% surcharge waiver on all fuel purchases above ₹500
Pros & Cons
Pros
- No annual fee for first 4 years
- 1% surcharge waiver on fuel transactions
Cons
- Limited rewards redemption options
- Cashback provided after 15 days
Additional Info
The card is a secured credit card requiring a fixed-term deposit of ₹25,000 or above.
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Waived for first 4 years