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SBI Card Unnati
SBI Card
Joining FeeLifetime FreeRenewal FeeLifetime Free
Last verified: 23 Sept 2026
Reward Program
SBI Card Reward Points1 point = ₹0.25
Redemption fee: 99
🔁
Managed via SBI Card Rewards Catalogue, SBI Card mobile app and net banking
Transfer partners
Statement credit against the card outstanding — 4 Reward Points = Re. 1, SBI's published rate across its whole range.SBI Card Rewards Catalogue — gifts, vouchers and merchandise, redeemed at the same 4 Reward Points = Re. 1.
Live Offers
63 activeDIGI1 ElectronicsUp to INR 15,000 Instant Discount at DIGI1 Electronics stores
Till 4 Oct
Ravi ElectronicsUp to Rs. 10,000 Instant Discount at Ravi Electronics RETAIL outlets using SBI Credit card
Till 26 Oct
Poojara TelecomUp to Rs 9,000 Instant Discount at POOJARA TELECOM outlets using SBI Credit card, during t
Till 21 Oct
Gujarat MobilesUp to Rs 9,000 Instant Discount at GUJARAT MOBILE outlets using SBI Credit card, during th
Till 22 Oct
Manish SalesUp to Rs 9,000 Instant Discount at MANISH SALES outlets using SBI Credit card, during the
Till 24 Oct
Benefits
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Fuel Surcharge Waiver
1% fuel surcharge waiver on every transaction between ₹500 and ₹3,000 at all petrol pumps across India, capped at ₹100 per statement cycle per credit card account. Fuel spend earns no Reward Points.
Milestone Benefits
Spend ₹50,000/year₹500 cashback₹500 total by this tier · 1.00% effective rate
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | Lifetime Free |
| Renewal Fee | Lifetime Free |
| Forex Markup | 3.5% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of ₹500, at domestic and international ATMs. |
| Reward Redemption Fee | 99 |
