SBI Card Unnati
SBI Card · Points/miles card · ₹499 annual fee
Fees & benefits
| Annual fee | ₹499 + GST |
| Welcome benefit | ~₹500 value |
| Airport lounges | None |
| No rewards on | fuel, wallet, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 1 reward point per Rs.100 | 0.25% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
FD-backed credit-builder card; Rs.0 fee for the first 4 years (Rs.499 thereafter). Nominal 1 RP/Rs.100 earn.
Verified 2026-07-16 against independent official-source verification; reward-point rupee values are modeled (see est. tags).
Quick answers
Is the SBI Card Unnati lifetime free?
No, the annual fee is ₹499 (plus GST) with no spend-based waiver.
What is the highest reward rate on the SBI Card Unnati?
0.25% — 1 reward point per Rs.100. Effective value depends on monthly caps; see the caveats on this page.
Does the SBI Card Unnati give airport lounge access?
No, the SBI Card Unnati does not include airport lounge access.