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SBI Card Unnati

Annual fee₹499First-year waiver
Rewards1 Reward Point on every Rs. 100 spent
Forex markup3.5%3.5% on all foreign currency transactions
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Independent comparison platform. Not affiliated with State Bank of India. Full disclaimer

Welcome benefits

Card is free for first 4 years

Rewards

Base earn rate

1 Reward Point on every ₹100 spent

Excludes: Cash Advance, Balance Transfer, Flexipay, Fuel Transactions

  • • Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
  • • Redemption fee: ₹99

Milestone benefits

  • Get Rs. 500 Cashback on annual spends of Rs. 50,000Annual

Fees & charges

Joining fee
Nil for first 4 years
Annual / renewal fee
₹499 + taxes from fifth year onwards
Annual fee waiver
Annual fee of ₹499 is waived off for first 4 years
Interest rate
Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period
50 days
Cash advance fee
2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee
2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour
In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup
3.5% on all foreign currency transactions
DCC markup
3.50%
Reward redemption
₹99 per redemption
Fuel surcharge
1% waiver, on ₹500–₹3000 txns, max ₹100/cycle

Late payment

Outstanding amountLate fee
₹0 – ₹100₹0
₹101 – ₹500₹100
₹501 – ₹1,000₹500
₹1,001 – ₹10,000₹750
₹10,001 – ₹25,000₹950
₹25,001 – ₹50,000₹1,100
Above ₹50,001₹1,300

Eligibility

Age
18+ years

Features

✓ Contactless✓ International usage

Additional features

  • Easy Bill Pay Facility - Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility
  • Global Acceptance - Accepted at over 24 million outlets globally, including 3,25,000 in India

No rewards on

Cash Advance · Balance Transfer · Flexipay · Fuel Transactions

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