By: OurMoneyGuide || Last updated on: May 29, 2024

SBI Card Unnati is a card issued against a fixed deposit, and is a good choice for those who do not have a satisfactory credit score and/or income proof. No annual fee is charged for the first 4 years.

Pros & Cons of SBI Card Unnati


  • Good beginner card, if you do not meet the eligibility criteria of unsecured credit cards (meaning credit cards issued without security of a fixed deposit)
  • No annual fee for 4 years, hence you can use this time to build your credit score and upgrade to higher reward unsecured credit cards


  • Low reward rate on card spends

Features & Benefits of the SBI Card Unnati

Secured card, issued against minimum fixed deposit of ₹25000 || Free card for 4 years

SBI Card Unnati is a secured credit card, meaning it is issued against a fixed deposit. Hence it is an ideal beginner card for those who do not meet the eligibility criteria of other higher reward credit cards. It is issued against a minimum fixed deposit of ₹25000.

It is also free for the first 4 years, no annual fee is charged for the first 4 years.

Hence you can use this time to build your credit score and upgrade to higher reward unsecured credit cards

Upto 0.25% reward on all card spends

You get 1 reward point worth upto ₹0.25, on all card spends.

1 reward point = upto ₹0.25. Reward points can be redeemed for gifts on SBI Rewards Catalogue.

Please note that no reward points are given on cash withdrawal, balance transfer, encash, flexipay and fuel transactions

Upto 1% additional reward (milestone rewards)

You get ₹500 cashback, at ₹50,000 yearly card spend – 1% benefit.

Cashback is credited within 15 days of reaching the ₹50,000 annual card spend target.

Fuel surcharge waiver upto ₹100 per month

You get 1% fuel surcharge waiver, on fuel transactions between ₹500 and ₹3000 only. And only on fuel spends upto ₹10,000 per month, since the maximum waiver is capped at ₹100 per month.

SBI Card customer care

Please click here for all the options to contact the bank for various issues and escalations, including-
– Lost and stolen cards : you can block on your mobile app or internet banking OR through SMS option OR by calling customer care
– Complaints and grievances : including steps on how to escalate to higher levels in case your issue is not resolved
– Raise and manage disputes

3 lifetime-free add-on cards

You can get add-on cards for your parents, spouse, children or siblings above the age of 18 years.

For more details, and important terms and conditions, please click here.

SBI Card Unnati Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹0
Renewal fee from 2nd year onwards₹0 (only for the first 4 years from the card issuance date)

Foreign currency transaction fee

3.50% of the transaction value.

Finance charges

3.50% per month (42% p.a.).

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – SBI Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the SBI Credit Card, there are certain basic criteria that all applicants must fulfil.

Minimum age21 years
Maximum age70 years
Minimum income requirementsNot required, since card is issued against FD
Other criteriaCredit score not required, since card is issued against FD

Application Process

You can not apply for the card online. You need to visit your nearest SBI Branch, they shall help you complete the application process.

Necessary documents and verification

Required documents   – PAN card
– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

Tracking your application status

Tracking credit card application status– You can track the status of your application on – ‘Track Application’ section.

– Please click here – Home page (and see top section of the page section named – ‘Track your application’) OR
– Please click here – Eapply page (and see bottom of the page section named – ‘Track Credit Card Application’)
You need to enter some basic information (like application number/ reference number, name, mobile number), to see the status of your SBI Card application