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SBI Card Unnati

Apply Now for SBI Unnati Credit Card

To apply for SBI Card Unnati, visit the nearest SBI Branch.

Annual Fee: Rs. 499, waived off for first 4 years

Privileges on SBI Card Unnati

Know what you would be entitled to with this card

Zero Fee Card

Zero Fee Card

  • SBI Card Unnati is free for first 4 years
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Zero Fee Card

  • Annual fee of Rs 499, waived off for first 4 years

Rewards on Spends

  • Get 1 Reward Point per Rs 100 spent
  • Use your Credit Card Reward Points to redeem against a wide array of gifts from the Rewards Catalogue.
Learn more

Rewards on Spends

  • Cash Advance, Balance Transfer, Encash, Flexipay and Fuel transactions are not included in Reward Points Program
Rs. 500 Gift Voucher

Milestone Rewards

  • Receive Rs  500 Cashback, within 15 days of achieving annual spends of Rs  50,000 or more
  • Applicable for all membership years
Fuel Freedom

Enjoy Complete Fuel Freedom

  • 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)
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Enjoy Complete Fuel Freedom

  • Maximum surcharge waiver of Rs 100 per statement cycle, per credit card account
Secured Card

Secured Card

  • The card is issued with a lien on Cardholder's fixed deposit with State Bank of India of Rs. 25,000 or more

Features, Fees & Charges - SBI Card Unnati

Know everything about SBI Card Unnati

  • Worldwide Acceptance

      • You can use your SBI Card Unnati in over 24 million outlets across the globe, including 3,25,000 outlets in India
      • Use your card to make payments at any outlet that accepts Visa or MasterCard
  • Contactless Advantage

      • Daily purchases now made easy with SBI Card Unnati. Simply wave your card at a secure reader to transact
      • Fast & convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases
      • Security:  The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). Even if the card is waved multiple times at the reader, the unique security key feature of Visa payWave will ensure that only one transaction goes through, thus making it more secure
      • Please click here to download the FAQ’s
      • Please click here to download the list of Merchants enabled for transactions.
  • Add-on Cards

      • With SBI Card Unnati, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18
  • Cash on the Go

      • Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe
  • Utility Bill Payment Facility

      • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your card
      • Click here to know more
  • Balance Transfer on EMI

      • Save money while paying your credit card dues
      • Transfer the outstanding balance of other banks’ credit cards to your SBI Card Unnati, and avail a lower rate of interest and pay back in EMIs
      • Log on to with your user ID and password to take benefit of this service
      • Click here to know more about Balance Transfer on EMI
  • Flexipay

      • With Flexipay, convert your transactions in easy monthly installments. Make any purchase for Rs. 2,500 or more using your SBI Card Unnati, and log in with your username and password to within 30 days of purchase to convert it into Flexipay
      • Click here to learn how to apply for Flexipay
  • Easy Money

      • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
      • Log in with your username and password to to book Easy Money
  • Fees

      • Annual Fee (First 4 years): Nil
      • Renewal Fee (5th year onwards): Rs 499
      • Add-on Fee (per annum): Nil
  • Order of Payment Settlement

      All payments made for a cardholder account will be settled in the order of Minimum Amount Due (which is inclusive of all applicable taxes + EMI on EMI based products + 5% of Total Outstanding), Fees & Other Charges, and Interest charges, Balance Transfer Outstanding, Purchase Outstanding and Cash Advance.

  • Things to know

      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • All taxes would be charged as applicable on all the above Fees, Interest & Charges.

      Your continued use of the card will be deemed acceptance of these amendments.

      For assistance, please call SBI Card helpline at:

      Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

      All information in this communication is correct as per July 2018 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at

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