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SBI Card Unnati

State Bank of India

SBI Card Unnati

Data last verified: 1 October 2026

RewardsVISA
  • Joining feeFree
  • Annual fee₹499 + GST
  • Reward rate0.25% on most spends
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  • Joining feeFree
  • Annual fee₹499 + GST
  • Forex markup3.5%

01SBI Card Unnati Rewards and Benefits

Rewards rate
0.25% on most spends
Reward redemption
Not published
Dining
0.25% back (the normal rate)
Travel
0.25% back (the normal rate)
Golf
Not included
Domestic lounge
Not included
International lounge
Not included
Insurance benefits
Not included

02SBI Card Unnati Annual Fee and Charges

Joining fee
Free
Annual fee
₹499 + GST
Spend-based waiver
None
Rewards redemption fee
Nil
Forex markup
3.5%
Interest rate
Not published
Fuel surcharge waiver
Yes
Card replacement
Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

  • ₹20,000 on everything else, earning 0.25%₹50
  • Back each month, ₹600 a year₹50
  • Annual fee with 18% GST−₹589
  • In your pocket each year₹11

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

Skip it if…

  • you spend less than ₹20,000 a month: below that the ₹589 fee costs more than the rewards
  • most of your spending is fuel, rent or government payments: those earn nothing on this card
  • you pay mostly by UPI: a Visa or Mastercard card cannot pay by UPI
  • you often pay in foreign currency: 3.5% is added to every foreign spend

04How SBI Card Unnati earns Rewards

0.25% on most spends.

Earns nothing onFuelRentGovernmentCash withdrawalsEMI

Spend categoryRateMonthly capWhere it applies
UPI payments (scan and pay)Earns nothing-a Visa or Mastercard card cannot pay by UPI
Online shopping0.25%No capThe card's normal rate
Dining and food delivery0.25%No capThe card's normal rate
Groceries0.25%No capThe card's normal rate
Travel: flights, hotels, trains0.25%No capThe card's normal rate
FuelEarns nothing-earns nothing on this card
Bills and recharges0.25%No capThe card's normal rate
RentEarns nothing-earns nothing on this card
Insurance premiums0.25%No capThe card's normal rate
School and college fees0.25%No capThe card's normal rate
Wallet top-ups0.25%No capThe card's normal rate
Taxes and government paymentsEarns nothing-earns nothing on this card
Spend abroad or in a foreign currency0.25%No capThe card's normal rate
Everything else0.25%No capThe card's normal rate

Listed underRewards cards

CardAdvisor tagsReward points

Terms on the base rate. 1 Reward Point per ₹100 spent (~0.25%). Cash advance, balance transfer, Flexipay and fuel do not earn points.

Point value. 1 point is worth about ₹0.25 at the bank's stated value.

05SBI Card Unnati Travel Benefits

Spending abroad carries a 3.5% forex markup; rewards on it: 0.25% back (the normal rate). See what it costs on your trip

Also on the card. fuel surcharge waiver, milestone bonuses.

  • Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000; max ₹100 per statement cycle.
  • Milestone bonuses: ₹500 cashback on annual spends of ₹50,000.

06SBI Card Unnati Eligibility and Documents

Employment
Salaried or self-employed

Documents. PAN card Aadhaar / address proof SBI fixed-deposit proof (Rs.25,000+) Income proof (salary slips or ITR) Recent passport-size photograph

07Recent Changes

What State Bank of India changed on this card recently. The facts on this page already reflect them.

DateChangeBeforeNow
1 Apr 2026Reduced: Statement-credit redemption capped & blocked into 4,000-point multiplesSource: State Bank of IndiaUnrestricted statement-credit redemption, any point quantityMax 60,000 RP a month; redeemable only in multiples of 4,000
1 Nov 2025Reduced: 1% fee on third-party education payments & wallet loadsSource: State Bank of IndiaNo surcharge on education/wallet-load spends1% fee on 3rd-party education fees & wallet loads over ₹1,000
1 Jun 2024Reduced: Government transactions stop earning reward pointsSource: State Bank of IndiaEarnedExcluded
1 Apr 2024Reduced: Reward points removed on rent payments (MCC 6513)Source: State Bank of IndiaBase RP earned on rent paymentsNo RP on rent payments (MCC 6513)
15 Mar 2024Reduced: Minimum Amount Due (MAD) calculation revisedSource: State Bank of India--

See this card's change history → · All card changes in April 2026 →

08Cards Similar to SBI Card Unnati

SBI Card Unnati is a rewards card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

FeatureSBI Card UnnatiSBI Card UnnatiFederal Scapia Credit cardFederal Scapia Credit cardSBI BPCL Credit CardSBI BPCL Credit Card
Joining feeFreeLifetime free₹499 + GST
Annual fee₹499 + GSTLifetime free₹499 + GST
Rewards0.25% on most spends2% on most spends; 4% only at partner merchants0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Domestic loungeNot includedUnlimitedNot included
Forex markup3.5%0%3.5%
TypeRewardsTravelFuel
Compare with Federal Scapia Credit cardCompare with SBI BPCL Credit Card

09Explore More

All State Bank of India productsEvery card, loan and account from State Bank of India on SkyloFinRewards credit cardsEvery rewards card, comparedAll credit cardsFilter by issuer, category and feeRewards calculatorWhat this card would earn on your spendingInterest calculatorWhat carrying a balance really costsTrack this card in SkyloFin - Expense TrackerStatements and due dates from your bank SMS, on your phone

Card facts last verified 1 October 2026.

Card data sourced via CardAdvisor.in, India Credit Card Facts, CC BY 4.0, adapted by SkyloFin.

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Common Questions

What is the joining fee for the SBI Card Unnati?

The joining fee is Free. Check the bank's page before you apply, because fees change and promotional waivers come and go.

What is the annual fee for the SBI Card Unnati?

The annual fee is ₹499 + GST.

Does applying through SkyloFin cost more?

No. You pay the same fees you would pay applying directly with State Bank of India. We earn a commission from the bank when someone applies through our link, and that is how the site is funded.

SkyloFin is not a bank and does not approve applications. Fees, rewards and eligibility rules are set by the provider and can change without notice. Always read the terms on the provider's site before you apply.

SBI Card UnnatiJoining fee: Free
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