Fees read from issuer pageUpdated 2026-07-28
SBI Card
SBI Card Unnati
₹499 + taxes a year
LinePersonal
Joining feeNot stated
Annual fee₹499 + taxes
Forex markupNot stated
Rewards, as stated by the issuer
- Get Rs. 500 Cashback on annual spends of Rs. 50,000
- 1 Reward Point on every Rs. 100 spent
- Redeem Reward Points against a wide array of gifts from the Rewards Catalogue
- Cash Advance, Balance Transfer, Flexipay and Fuel transactions are not included in Reward Points Program
- Earn 1 Reward Point on every Rs. 100 spent
Other benefits
- Card is free for first 4 years
- Annual fee of Rs. 499 is waived off for first 4 years
- Enjoy a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at all petrol pumps across India
- Maximum waiver of Rs. 100 per statement cycle
- Issued against a lien on the cardholder’s SBI fixed deposit of Rs. 25,000 or more
- Tap & Pay with Ease: Make everyday payments effortlessly with SBI Card Unnati. Simply tap your card on a secure reader for instant transactions
- Fast & Convenient: No need to hand over your card or fumble for cash or coins. Tap and go for small, everyday payments in seconds
- Secure Transactions: Your card stays in your hand during the transaction, reducing the risk of loss or fraud. Visa PayWave’s unique security key ensures that even if the card is tapped multiple times, only one transaction is processed
- Please Click here to download the FAQ's
- Please Click here to download the list of Merchants enabled for transactions
- Accepted at over 24 million outlets globally, including 3,25,000 in India
- Make payments at any outlet that accepts Visa or MasterCard
- Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe
- Convert eligible purchases into easy monthly EMIs
- Applicable on transactions of Rs. 2,500 or more
- Click here to know more
- Empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18
- Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility. Click here to know more
Welcome & milestones
Welcome
None listed.
Milestones
- Get Rs. 500 Cashback on annual spends of Rs. 50,000
- 500 Cashback on spends of 50,000
Lounge access
No airport lounge rule is listed on this card's page.
Eligibility
Income
- Monthly income up to ₹49,999
Every fee line found on the page
- Renewal Fee (5th year onwards): Rs. 499 + taxes
- What is Annual Fee and Renewal Fee of the card? SBI Card Unnati is free for the first 4 years. The Renewal Fee is Rs. 499 + taxes from fifth year onwards
- Get Rs. 500 Cashback on annual spends of Rs. 50,000
- Annual fee of Rs. 499 is waived off for first 4 years
- Enjoy a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at all petrol pumps across India