Visa, Mastercard 📡 Contactless NFC

SBI Card UNNATI

Joining FeeFREE

Annual Fee₹499

Forex Markup 3.5%

Apply Now →

⚖️ Card Verdict & Target Persona

Who Should Apply

New-to-credit individuals, students, and homemakers wanting a secured credit card backed by an SBI Fixed Deposit with zero annual fees for the first 4 years.

Who Should Avoid

Users with strong established credit history seeking unsecured premium rewards.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Instant credit limit set against Fixed Deposit of ₹25,000 or more with zero income documentation

Guaranteed Approval on ₹25k FD

100% guaranteed approval against Fixed Deposit of ₹25,000+ with zero income proof and no credit score required.

₹500 Milestone Cashback on ₹50k Spend

₹500 cashback automatically credited upon reaching annual retail spends of ₹50,000.

Zero Annual Fee for First 4 Years

First 4 years of annual membership fees completely waived off.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

1 Reward Point per ₹100 spent on regular retail purchases (0.25% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

₹500 cashback automatically credited on achieving ₹50,000 annual retail spend

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: SBI Rewards Catalog (Brand Vouchers & Merchandise), Direct Statement Credit

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✗ No Free Lounge Access

🛫

Domestic Lounge VisitsNone

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: None

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹50,000/yr

Annual fee of ₹499 is completely waived off for the first 4 years; subsequent years waived on annual spends of ₹50,000 or more

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹100/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit18 - 70 Years

Min. Monthly IncomeN/A

Min. Credit Score0 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the SBI Card UNNATI

Annual Fee: ₹499/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

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Frequently Asked Questions

No, SBI Card UNNATI has a joining fee of ₹0 and an annual renewal fee of ₹499 (plus applicable taxes).

SBI Card UNNATI ₹499/yr