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SBI Card · Visa / Mastercard · हिन्दी

SBI Card UNNATI: full review

The SBI Unnati is India's most accessible credit card for beginners. If you have an SBI account and a ₹25,000 FD, you qualify regardless of income or credit history. The zero fee for 4 years makes it a pure credit-building tool. Use it for small regular spends, pay in full monthly, and your credit score will build naturally. Then upgrade to a rewards card.

Apply now ↗Annual fee: Free for first 4 years
Last updated: August 2026 · Current terms verified
SBI CARD
VISA
)))
UNNATI
ASHOK KUMAR
12/28
Free for first 4 years; ₹499 + taxes from Year 5 (requires ₹25,000 Fixed Deposit with SBI)Annual fee
1 reward point per ₹100 on all eligible spends (0.25%); ₹500 annual cashback on ₹50,000/year spendReward structure
NoneLounge access

Key benefits of the SBI Card UNNATI

1 reward point per ₹100 on all eligible retail spends (0.25% effective at ₹0.25/RP)₹500 cashback within 15 days of achieving ₹50,000 annual spend milestoneZero annual fee for the first 4 years, no cost to hold while building creditIssued against SBI Fixed Deposit of ₹25,000 or more, no income proof requiredAvailable to SBI account holders and Pradhan Mantri Jan Dhan Yojana account holders1% fuel surcharge waiver (₹500–₹3,000, max ₹100/month)Worldwide acceptance at 24 million+ outletsAdd-on card available for family members
Apply now ↗ Min. income: None required (FD-secured) · Credit score: No credit history required
Pros and cons
Pros
✓ Free for 4 years, zero cost for building credit history
✓ No income proof needed, FD is the only requirement
✓ Available to PMJDY account holders, maximum accessibility
✓ Simple and low-risk way to start credit journey
Cons
✗ Very low 0.25% reward rate
✗ No lounge access, dining, movies or lifestyle benefits
✗ ₹99 reward redemption fee, eats into small balances
✗ 3.5% forex, poor for international use
✗ FD locks up ₹25,000 of capital for the card limit
Quick facts
Issuer SBI Card
Network Visa / Mastercard
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Free for first 4 years; ₹499 + taxes from Year 5 (requires ₹25,000 Fixed Deposit with SBI)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → None
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → None required (FD-secured)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → No credit history required
SourceSBI Card's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for SBI Card UNNATI is Free for first 4 years; ₹499 + taxes from Year 5 (requires ₹25,000 Fixed Deposit with SBI). This card is lifetime free with no annual fee.
The main benefits of the SBI Card UNNATI are: 1 reward point per ₹100 on all eligible retail spends (0.25% effective at ₹0.25/RP); ₹500 cashback within 15 days of achieving ₹50,000 annual spend milestone; Zero annual fee for the first 4 years, no cost to hold while building credit; Issued against SBI Fixed Deposit of ₹25,000 or more, no income proof required; Available to SBI account holders and Pradhan Mantri Jan Dhan Yojana account holders; 1% fuel surcharge waiver (₹500–₹3,000, max ₹100/month); Worldwide acceptance at 24 million+ outlets; Add-on card available for family members.
1 reward point per ₹100 on all eligible spends (0.25%); ₹500 annual cashback on ₹50,000/year spend
SBI Card UNNATI is best for Beginners and those with no credit history wanting to build CIBIL score safely. The SBI Unnati is India's most accessible credit card for beginners. If you have an SBI account and a ₹25,000 FD, you qualify regardless of income or credit history. The zero fee for 4 years makes it a pure credit-building tool. Use it for small regular spends, pay in full monthly, and your credit score will build naturally. Then upgrade to a rewards card.
The minimum income requirement for SBI Card UNNATI is None required (FD-secured). No credit history is needed.
SBI Card UNNATI does not offer airport lounge access.
SBI Card UNNATI charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Lifetime Free Credit Cards →Best Credit Cards for Students →
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SBI Card UNNATI vs DCB novio Select Compare →SBI Card UNNATI vs IDFC FIRST WOW Compare →
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SBI Card UNNATIFree for first 4 years
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