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SBI Card

SBI Card Unnati

Source-traced to issuer Verified 2026-08-20
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You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.

Overview

SBI Card Unnati by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

Confirm on the official page

Annual / renewal fee

Nil (Annual fee of ₹499, waived off for first 4 years).

Verified · mitc · 2026-08-20 · source

Fee waiver

Annual fee of ₹499 waived off for first 4 years.

Verified · mitc · 2026-08-20 · source

Renewal fee

  • NIL.
  • ₹499 (5th Year Onwards).

Verified · kfs · 2026-08-20 · source

Rewards

Redemption value

  • Minimum of 2000 Reward Points required for redemption.
  • 2000 Reward Points = ₹500 towards card outstanding.
  • Rewards Redemption Fee ₹99 (applicable on Physical products, Statement Credit & Vouchers sent physically).
  • Statement credit redeemable in multiples of 2,000 points.
  • Reward points valid for 24 months and forfeited on last day of the 24th month.

Verified · mitc · 2026-08-20 · source

Reward exclusion

Rent Payment transactions (MCC 6513) discontinued. W.e.f. 01 Jun 2024accrual of Reward Points on Govt Related transactions (MCC 9399 and 9311) discontinued. Reward Points are not applicable on Cash WithdrawalsBalance TransfersFlexipay and Petrol spends

Verified · mitc · 2026-08-20 · source

Travel & lounge

Lounge access

Confirm on the official page

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

Confirm on the official page

Eligibility

Eligibility

Add-on card can be applied for spouse, parents, siblings and children over 18 years of age.

Verified · mitc · 2026-08-20 · source

Charges & interest

Forex markup

Foreign Currency Transaction Fee: 3.5% (for all cards except AURUM, Elite, Prime NRI Secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/Miles Prime/Miles).

Verified · kfs · 2026-08-20 · source

Charge

  • Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards.
  • Minimum Finance Charges ₹25.
  • Cash Advance Fee: 2.5% of transaction amount at SBI/Other Domestic ATMs (min ₹500) and International ATMs 2.5% (min ₹500).
  • Max cash withdrawal ₹15,000 per day on MCC 6011.
  • Cash Payment fee ₹250.
  • Payment Dishonor fee 2% of payment amount (min ₹500).
  • Cheque Payment Fee ₹200.
  • Late Payment: Nil for ₹0-₹100.
  • ₹100 for >₹100 & up to ₹500.
  • ₹500 for >₹500 & up to ₹1000.
  • ₹750 for >₹1000 & up to ₹10,000.
  • ₹950 for >₹10,000 & up to ₹25,000.
  • ₹1100 for >₹25,000 & up to ₹50,000.
  • ₹1300 for >₹50,000.
  • Additional Late Payment Charge ₹100.
  • Late Payment Charges ₹500 for Outstanding Amount due greater than ₹1000 on RE.
  • Over limit Fee 2.5% of Overlimit Amount (min ₹600).
  • Card Replacement ₹100-₹250.
  • Rewards Redemption Fee ₹99.
  • Utility Payments Fee (w.e.f. 1 Dec 2024) 1% of total Utility Payments if total exceeds ₹50,000 in a billing cycle.
  • Fee on Education Payments (w.e.f. 1 Nov 2025) 1% of transaction amount through third-party apps.
  • Fee on Wallet Load (w.e.f. 1 Nov 2025) 1% of transaction amount on wallet loads exceeding ₹1,000.
  • Processing Fee on all Rent Payment Transactions ₹199.
  • Lounge Charges: usage fee of up to USD 27 per visit + applicable taxes.

Verified · kfs · 2026-08-20 · source

Fuel surcharge waiver

Maximum Fuel Surcharge waiver of ₹100 per month for transactions between ₹500 & ₹3000 (exclusive of all applicable taxes).

Verified · mitc · 2026-08-20 · source

Interest-free period

20-50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full).

Verified · kfs · 2026-08-20 · source

Transfers

Not published in the official documents on file — see the official T&C link below.

Common questions

What is the annual fee on the SBI Card Unnati?

Officially traced: Nil (Annual fee of Rs.499, waived off for first 4 years).

mitc

Is the SBI Card Unnati annual fee ever waived?

Annual fee of Rs.499 waived off for first 4 years.

mitc

What are the transfer ratios for SBI Card Unnati points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pagemitckfslounge_travel

Official terms

https://www.sbicard.com/en/personal/credit-cards/sbi-card-unnati.html.

Verified · lounge_travel · 2026-08-20 · source

Verified 2026-08-20 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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