SBI Unnati Credit Card

Last Updated : July 5, 2025, 11:26 a.m.

The SBI Unnati credit card is introduced by the State Bank of India. This card is most suitable for individuals who want to use it for basic necessities like paying utility bills, shopping, making payments, etc. The card is used at more than 24 million outlets all over the world and gets attractive rewards. The process of applying to the card is really simple. The application will be approved if the eligibility criteria is fulfilled and proper documents are submitted. The card requires the account holder to maintain a balance of Rs. 25000 or more in the account. No underwriting or bank balance history will be needed. For the first 4 years, SBI will not levy any annual card fee.

Features and Benefits of SBI Card Unnati

Rewards on spends

• Get 1 reward point per Rs. 100 spent.

• You can redeem the credit card reward points against a wide collection of gifts from the rewards catalogue

• Cash advance, balance transfer, Flexipay, Encash, and fuel transactions do not come under the reward points program.

Rewards on milestone spends

• Receive a cashback of Rs. 500 within 15 days of achieving annual spends of Rs. 50,000 or more.
• These rewards are applied for all membership years.

Fuel Surcharge Waiver

• 1% fuel surcharge waiver on amounts between Rs 500 & Rs 3000 (Excluding GST and all other charges).
• The upper limit on waiver is Rs. 100 per statement cycle, per credit card account.

Secured credit card

• This card is a secured credit card issued to individuals based on their fixed deposit which is in the range of Rs. 25,000 to Rs. 5 lakhs.

Contactless Technology

• The card is equipped with contactless technology
• To complete the transaction, you can just wave the card at a secure reader.
• For everyday small ticket purchases, there is no need to give your physical card or carry cash, or coins.
• Security:
  • The card has a unique security key given by Visa payWave. This will ensure that only one transaction is done, thus providing security.

Add on Cards

• You can procure add on cards for your parents, spouse, siblings, or children who are above the age of 18.

Instant cash withdrawal

• You can withdraw cash from more than 1 million Visa or Mastercard ATMs all over the world.

Easy bill pay facility

• Pay your electricity, telephone, mobile, and other utility bills using the Easy Bill Pay facility.

Balance Transfer on EMI

• This facility helps you to transfer dues on the credit cards of other banks to your SBI Card Unnati.
• After the transfer, you can pay the amount outstanding at a lower interest rate.
• The facility helps you save money.

Flexipay

• Transactions above Rs. 2500 can be converted into EMIs within 30 days.

SBI Unnati Credit Card Fees & Charges 2026

SBI Unnati Credit Card Eligibility Criteria

• Age: 18 years and above
• Indian Resident
• The card is issued with your SBI FD as backup. The least amount in your FD should be Rs. 25,000.
• The required KYC documents must be furnished. They must contain accurate information.
• There is no minimum income criteria or least credit score.

Documents Required

• ID Proof: PAN, Aadhaar, Passport, etc.
• Address Proof: Aadhaar, Utility Bills, etc.
• FD Proof: FD receipt (if already existing)
• Photograph: Passport-sized photo (if required)

Comparison with Similar Cards

Conclusion

SBI Card Unnati is an excellent beginner-friendly credit card with nil fees for the first four years. With a secured FD, basic rewards, and global usability, it's ideal for those starting their credit journey or looking for a simple, low-risk credit card option.