SBI Card Unnati is a secured, FD-backed credit card issued against a lien on an SBI fixed deposit of ₹25,000 or more
free for the first 4 years ₹499 annual fee waived
Earn 1 Reward Point per ₹100 on eligible retail spends and ₹500 cashback on annual spends of ₹50,000
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeAnnual fee is waived (free) for the first 4 years
₹589
₹499 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.50 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 2.75% per month (33% per annum) apply on unpaid outstanding balances until the amount is fully repaid
2.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable
2.5%
Reward Redemption₹99 + taxes redemption fee per redemption
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent PaymentA surcharge fee of ₹199 + GST applies on rental transactions made using the credit card
₹199
Cheque PaymentA fee of 2% of the payment amount (minimum ₹500) is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash PaymentA fee of ₹250 is levied when the outstanding is paid in cash over the counter
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1,000
₹400
₹1,001 - ₹10,000
₹750
₹10,001 - ₹25,000
₹950
₹25,001 - ₹50,000
₹1100
Above ₹50,000
₹1300
An additional ₹100 applies if the Minimum Amount Due is not paid for two consecutive billing cycles
Reward Exclusions
Cash AdvanceBalance TransferEMIFuel Transaction
Terms & Conditions
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of ₹100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
