SBI Card Unnati Review 2026 — Fees, Rewards & Eligibility
Issuer: SBI Card
Network: Visa | Tier: Entry
Starter card
Why Choose the SBI Card Unnati?
The SBI Card Unnati is a Entry-tier Visa credit card issued by SBI Card, rated 4.1/5 by the Credit Card Hunt editorial team. It is best suited for Students/Beginners. With a reward rate of Reward points and an annual fee of NIL, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
SBI Card Unnati Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
SBI Card Unnati Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Students/Beginners |
Key Highlights of the SBI Card Unnati
- Starter card
- Reward points
SBI Card Unnati Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 650+
- Minimum income: ₹1,50,000/year
Minimum Income Required: ₹1,50,000/year
Advantages of the SBI Card Unnati
- No fee
Drawbacks of the SBI Card Unnati
- Low rewards
SBI Card Unnati — Frequently Asked Questions
What is the annual fee of the SBI Card Unnati?
The SBI Card Unnati has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the SBI Card Unnati offer airport lounge access?
No, the SBI Card Unnati does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the SBI Card Unnati?
The minimum income requirement is ₹1,50,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the SBI Card Unnati?
The SBI Card Unnati earns Reward points. It is best suited for Students/Beginners.
Credit Cards Similar to the SBI Card Unnati
If you are considering the SBI Card Unnati, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card by SBI Card — rated 4.7/5, ₹999 annual fee
- SBI Cashback Card (Visa) by SBI Card — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC FIRST Bank — rated 4.5/5, NIL annual fee
Expert Rating: 4.1/5