SBI Card Unnati Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: SBI Card
Network: Visa | Tier: Entry
The SBI Card Unnati is an Entry Visa credit card issued by SBI Card, best suited for students/Beginners. It carries a joining fee of NIL, with an interest rate of 3.5% per month. Key benefits include Starter card and Reward points. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹1,50,000/year to qualify. It falls under the Entry-level and Fuel category on CreditCardHunt.
Affiliate disclosure: some links on this page are affiliate links and CreditCardHunt.in may earn a commission if you apply. It does not change our ratings or recommendations and costs you nothing extra. Full disclosure.
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 — a highlight among SBI Card's entry lineup.
Drawbacks of the SBI Card Unnati
- Low rewards may not suit every applicant.
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 (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
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
Explore more on CreditCardHunt.in
- Browse all 100+ credit cards — filter by bank, fee, and reward type.
- Compare cards side by side — fees, rewards and benefits in one table.
- Find a card that matches your income and spending with our card finder.
- Read our credit card guides & FAQ.
Expert Rating: 4.1/5