SBI
SBI Unnati Credit Card
An entry-level FD-backed secured credit card from SBI Card designed mainly for beginners and users wanting to build credit history. It offers basic reward points, milestone cashback, and fuel surcharge waiver with no fee for the first four years.
Highlights
Main benefits
- No annual fee for first 4 years
- FD-backed secured credit card
- Helps build credit score
- 1 Reward Point per ₹100 spent
- ₹500 annual milestone cashback
- Eligible for SBI Card sale offers
- Fuel surcharge waiver included
- Contactless payment support
Fees
Fees and charges
Joining fee
₹0
Renewal fee
₹499 from 5th year onwards
Annual fee waiver
Annual fee already waived for first 4 years, ₹499 renewal applicable from 5th year onward.
Who can apply
Eligibility
- Indian resident
- Age generally 21–60 years
- Fixed Deposit of around ₹25,000 required
- Suitable for users with limited/no credit history.
Checklist
Documents required
- PAN Card
- Aadhaar Card
- Passport-size photograph
- Address proof
- Income/KYC documents if requested
FD with SBI
Process
How to apply
1. Visit SBI Card official website or SBI branch.
2. Apply for SBI Unnati Card.
3. Create required Fixed Deposit.
4. Submit KYC documents.
5. Complete verification process.
6. Card gets issued against FD.
Value
Reward and cashback structure
Reward rate
1 Reward Point per ₹100 spent on eligible transactions.
Cashback
₹500 milestone cashback on annual spends of ₹50,000 or more.
Good fit
Pros
- Good starter credit card
- Easier approval due to FD backing
- Eligible for SBI instant discount sales
- No fee initially for 4 years
- Helps improve CIBIL score
- Trusted SBI ecosystem
Watchouts
Cons
- Very basic rewards program
- No lounge or travel benefits
- Requires ₹25,000 FD blocking
- Annual fee starts after 4 years
- Low reward earning rate
- Better beginner cards now available in market for cashback and UPI usage
Related
Related cards
Compare
Compare Cards
| Field | SBI Unnati Credit Card | HDFC Diners Club Black METAL Credit Card |
|---|---|---|
| Bank/provider | SBI | HDFC Bank |
| Joining fee | ₹0 | ₹10,000/- plus Applicable Taxes |
| Renewal fee | ₹499 from 5th year onwards | ₹10,000/- plus Applicable Taxes |
| Best for | Building credit score, First-time credit card users, FD-backed secured card users, SBI instant discount sale offers, Basic rewards and fuel savings | Luxury travel, airport lounge access, and maximum reward points on high spending |
| Reward rate | 1 Reward Point per ₹100 spent on eligible transactions |
|
| Cashback | ₹500 milestone cashback on annual spends of ₹50,000 or more | Cashback redemption value: around ₹0.30 per point against statement balance |
| Lounge access | No Included airport lounge access | Unlimited lounge access to 1,300+ lounges in India and abroad for primary and add-on card members |
| Fuel surcharge waiver | 1% fuel surcharge waiver, Applicable on fuel transactions between ₹500–₹3,000, Maximum waiver ₹100 per statement cycle | 1% waiver at fuel stations across India on transactions above ₹400, with a maximum waiver of ₹1,000 per statement cycle |
| Welcome benefit | No annual fee for first 4 years | Annual memberships of Club Marriott, Amazon Prime and Swiggy One on 1.5 Lakh spends in first 90 days |
| Annual fee waiver condition | Annual fee already waived for first 4 years, ₹499 renewal applicable from 5th year onward | Spend ₹ 8 lakh in 12 Months and get Renewal Fee waived for next renewal year |
| Eligibility |
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| Apply link | Apply | Apply |