SBI Card Unnati
Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate
Open to new applications · Earns Reward Point
What it gives back
1 Reward Point per ₹100 · everyday spends
How it compares
Compared with the cards we have read
Fees
Fee waiver rule
Annual fee of ₹499, waived off for first 4 years.
Add-on card fee
₹0
Rewards
Reward rate
1 Reward Point per ₹100 · everyday spends1 Reward Point on every ₹100 spent.
Reward exclusions
Cash Advance, Balance Transfer, Flexipay and Fuel transactions are not included in Reward Points Program
What one reward unit is worth
2000 Reward Points can be used to pay ₹500 from your credit card balance.
Catalogue redemption
Redeem Reward Points against a wide array of gifts from the Rewards Catalogue.
Statement-credit redemption
Pay/ partially pay your card outstanding with Reward Points.
Point expiry
Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month
Smallest number of points that can be redeemed
Minimum of 2000 Reward Points are required for redemption
Card benefits
Milestone benefits
Get ₹500 Cashback on annual spends of ₹50,000.
Also included
Fuel surcharge waiver
Enjoy a 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 at all petrol pumps across India.
Add-on card eligibility
Add-on cards for your parents, spouse, children or siblings above the age of 18.
Balance transfer terms
Transfer outstanding balances of other banks’ credit cards to your SBI Card Unnati at a lower interest rate and repay in easy EMIs.
Purchase to EMI conversion
Convert eligible purchases into easy monthly EMIs on transactions of ₹2,500 or more.
Charges
Forex markup
3.5% on foreign currency transactions.
Dynamic currency conversion markup
Dynamic currency conversion fee of 3.5%, charged on transactions of ₹1,000 or more carried out in Indian currency at an international location or at merchants located in India but registered overseas.
Cash advance fee
SBI ATMs/Other Domestic ATMs: 2.5% of transaction amount (subject to a minimum of ₹500); International ATMs: 2.5% of transaction amount (subject to a minimum of ₹500)
Cash advance interest
Interest on cash advances is charged from the date of transaction until the date of payment
Cash withdrawal limit
Max. cash withdrawal limit is ₹15,000 per day on MCC – 6011 (ATM Withdrawals), subject to Cash Advance Limit availability
Interest on unpaid balance
2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards.
Interest-free period
20-50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full)
Late payment fee
From Nil (amount due ₹0 to ₹100) to ₹1,300 (amount due above ₹50,000)
Over-limit fee
2.5% of Overlimit Amount (subject to a minimum of ₹600). Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund.
Payment return or dishonour fee
2% of Payment amount (subject to a minimum of ₹500)
Card replacement fee
₹100 - ₹250
Cash payment / cash deposit fee
₹250
Cheque payment / dishonour fee
Cheque Payment Fees is not applicable for SBI Card Unnati
Education / school fee charge
Fee on Education Payments^ : W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps
Foreign ATM fee
2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs
Reward redemption fee
Rewards Redemption Fee: ₹99+ applicable taxes.
Wallet load charge
Fee on Wallet Load^^^ : W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000
Rent transaction fee
₹199
Utility transaction fee
If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that billing cycle.
GST note
All taxes would be charged as applicable on all fees, interest and charges
Grace days after the due date
Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)
Minimum amount due
Minimum Amount Due is 100% of GST + 100% of EMI amount + 100% of Fees/Charges + 100% of finance charges + Overlimit Amount (if any) + 2% of remaining balance outstanding
Eligibility
Eligibility
Issued against a lien on the cardholder’s SBI fixed deposit of ₹25,000 or more.
In the terms, not the brochure (2)
What happens to unredeemed points if the card is closed
Points can be redeemed within 30 days of voluntary closure of the card, else they lapse automatically
Whether carrying a balance ends the interest-free period
Interest free credit period is suspended if any balance of the previous month's bill is outstanding.