The SBI Card Unnati from SBI Card is a popular credit card for Individuals without credit history wanting to build CIBIL score. Here is a complete breakdown of all benefits, fees and our honest rating.
Key Benefits
Rewards: 1 Reward Point per ₹100; access against fixed deposit
Annual Fee: Free (if FD ≥ ₹25,000)
Joining Fee: Free
Lounge Access: None
Forex Markup: 3.5%
Best For
Individuals without credit history wanting to build CIBIL score
Our Honest Take
The SBI Card Unnati delivers solid value if your spending matches its reward structure. Compare it against alternatives in the same category before applying. Always verify current terms on the bank official website before applying.
Frequently Asked Questions
The annual fee is Free (if FD ≥ ₹25,000). Check if you qualify for a fee waiver based on annual spend.
Individuals without credit history wanting to build CIBIL score
1 Reward Point per ₹100; access against fixed deposit
Click the "Apply Now" button on this page. It takes you directly to the official SBI Card application page. You will need your PAN card, Aadhaar and income proof.
