What is the annual fee for the SBI Card Unnati?

The annual fee is Free (if FD ≥ ₹25,000). Check if you qualify for a waiver based on annual spend.

Click Apply Now on this page — it goes directly to the official SBI Card application page.

SBI Card Unnati Review 2026 — Fees, Rewards & Apply

Name: SBI Card Unnati Review
Item: SBI Card Unnati
Rating: 3.7
Author: 10 Best Credit Cards

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.

⏱ 1 min read📅 24 Mar 2026✍️ Raj Thakur

✅ Verified November 2026 · 🔍 Reviewed by editorial team · 📊 Official bank data

📋 In this article

Key Benefits
Best For
Our Honest Take

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.

Raj Thakur

Credit Card Analyst · 10BestCreditCards.com

Raj has reviewed 150+ credit cards across all major Indian banks. He specialises in cashback optimisation, travel rewards and forex savings. All data is sourced directly from official bank websites.

⚠️ Affiliate disclosure: Some links on this page are affiliate links. We may earn a commission if you apply through our links at no extra cost to you. This does not influence our rankings.

Frequently Asked Questions

SBI Card Unnati

Key Benefits

Best For

Our Honest Take

Frequently Asked Questions

Quick Summary

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