SBI Card
SBI Unnati Credit Card
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Annual Fee
FREE
Base Reward
1% points
Foreign Markup
3.5% on the conversion amount
3.8/5
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
Rewards Details
1 reward point per ₹100 spent on all categories.
Reward Points — Redemption Value
- 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.
Fees & Charges
Annual FeeFREE
Joining FeeNil
Fee WaiverWaived for first 4 years
Foreign Markup3.5% on the conversion amount
Interest Rate3.5% per month (42% per annum)
Cash Advance2.5% on the amount withdrawn subject to a minimum charge of ₹500
Redemption Fee₹99 per redemption request
Eligibility
Networks
rupay
Fee Waiver
Waived for first 4 years