What Is SBI Unnati Card: All You Need To Know

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State Bank of India's credit card venture SBI Card on Tuesday launched its new credit card 'SBI Card Unnati.' The new credit card will have zero annual fees for the first four years of its subscription. SBI Merger: 7 Things To Know

Here are the main features of SBI Card Unnati:

SBI Unnati Card

The credit card will be offered to SBI customers who have a minimum account balance of Rs 25,000 in their accounts.


There is no annual fee for SBI Unnati Card for the first four years. Renewal fee from 5th year onwards will be Rs 499. There is no add-on fee per annum. A Look At Various SBI Charges From April 1, 2017

Cashback and rewards

Users can get Rs 500 cashback on spends of Rs 50,000 or more in a year. Customers will get one point per Rs 100 spent. Cash Advance, Balance Transfer, Encash, Flexipay and Fuel transactions are not included in Reward Points Program.


Users can use their SBI Card Unnati in over 24 million outlets across the globe, including 3,25,000 outlets in India. The new credit card can be used to make payments at any store that accepts Visa or MasterCard. Customers can withdraw cash from over one million Visa or MasterCard ATMs across the globe.

Add-on cards

With SBI Card Unnati, users can empower their family with add-on cards for their parents, spouse, children or siblings above the age of 18.

Bill payments

Users can pay their electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on SBI Card Unnati.

Transferring money

Users can transfer the outstanding balance of other banks' credit cards to their SBI Card Unnati Card, and avail a lower rate of interest and pay back in equated monthly installments (EMIs)


SBI Card Unnati has the option of Flexipay. Users can convert their transactions into easy monthly installments using this facility. Make any purchase for Rs 2,500 or more using their SBI Card Unnati, and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay.

Easy money

SBI Unnati Card has Easy Money option. Users can get a draft or cheque against their cash limit and get it delivered to their doorstep.

Fuel charge waiver

Customers of SBI Unnati Card will also get a 2.5 per cent fuel surcharge waiver for each transaction between Rs 500 and Rs 3,000 (exclusive of GST, wherever applicable, and all other charges). The maximum surcharge waiver is Rs 100 per statement cycle per credit card account. Associate Banks To Become SBI Branches From April 1


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