SBI Unnati Credit Card, No Annual fee credit Card - Check here its features and benefits
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Indialends, 26 Mar 2026

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SBI Unnati Credit Card

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The SBI Unnati Credit Card is the new launch of the State bank of India issued against the fixed deposit of Rs 25000. The annual fee of the SBI Credit Card is NIL. This card is a perfect solution for individuals who wish to use a credit card for paying necessities like grocery spending, utility bill payments, shopping, booking of movie tickets, etc. The procedure of applying for an SBI Unnati Credit Card is also simple and hassle-free for the convenience of the common man. 

Features of SBI Unnati Credit Card

  • The card can be swiped over 24 million merchant outlets globally.
  • An Add-on card facility is also given for children, parents, spouses. Make sure if you are adding children, he or they should be 18 years or above.
  • This card makes you enjoy the Flexipay facility that allows you to convert your purchases into easy EMIs to ease repayment for spends above Rs.2,500.
  • The cash withdrawal facility is available from over 1 million Visa or MasterCard ATMs.
  • Easy utility bill payment facility
  • It is one of the best balance transfer credit cards also.
  • Users can get a draft or cheque against the cash limit.

Benefits of SBI Unnati Credit Card

  • It enjoys a 1% fuel surcharge waiver on fuel spends between Rs.500 and Rs.3,000.
  • Earn a cashback of Rs.500 if spending crosses Rs.50,000 per year on the card.
  • The rewards are easily redeemable against a wide range of gifts.
  • This card comes with an interest-free credit period of between 20-50 days on all purchases. The interest-free period is dependent on whether outstanding balances of previous months have been paid.

The eligibility criteria to apply for SBI Unnati Credit Card

  • The minimum age to apply for SBI Credit Card is 21 years and the maximum is 60 years old.
  • The credit score should be 750, or above.
  • Add on credit card requires minimum age 18 years or above.
  • The minimum annual income requirement to apply for a credit card is 2 Lakh
  • The applicant can furnish at least past three months’ salary slip, bank statement showing salary deposit for three consecutive months along with valid identity, address, and age proof

Documents required to apply for SBI Unnati Credit Card

Both Self-employed and Salaried

  • Completed application form
  • Latest passport-size photographs
  • Proof of identity (copy of PAN, Aadhaar, passport, etc.)
  • Proof of residence (utility bills, driving license, PAN, Aadhaar, etc.)

Salaried- Income proof

  • Latest salary slips
  • Form 16
  • Bank statements

Self-employed- Income Proof

  • Income proof
  • Statement of accounts
  • Proof of business

SBI Unnati Credit Card fee and charges

Fee type Amount
Annual Fee Free
5th year onwards Rs 499
Add-on Card NIL
Finance Charges Up to 2.50% per month
Interest free credit period 20 days to 50 days
Cash Payment Fee Rs 100
Free Credit Period NIL
Cash advance limit Up to 80% of credit limit subject to maximum of Rs.12,000 each day
Card Replacement Fee Rs 100
Foreign Currency Transaction Mark-up 3.5%
Reward redemption Rs 99 per request
Overlimit charges 2.5% of the amount subject to a minimum of Rs.500
Fuel Surcharge Waivers 1% waiver for transactions between Rs.500 to Rs.3,000

How to apply for SBI Credit Card at IndiaLends platform

  • Click here to start the application process.
  • Enter your basic details like occupation, monthly income, city, and contact number. You will now see a list of credit cards for which you meet the basic eligibility criteria.
  • Find your preferred SBI credit card from the list and check your eligibility for the same.
  • If eligible, you can complete the online application

At our platform, we have a wide range of SBI Credit Card available. You can compare and choose the best one.

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FAQ’s

Loan against mutual funds (LAMF) allows you to borrow cash against your mutual fund investments as collateral. You can use Volt Money to lien mark your mutual funds digitally to avail an instant limit without losing the ownership of your mutual funds and all the associated benefits with it. Funds will be made available in the form of an overdraft facility.

The annual fee for the Axis Privilege Card is typically Rs. 1,500 plus taxes. This fee can be waived if the cardholder achieves an annual spending milestone, though the exact spending amount for the waiver can vary by card variant. For example, a common waiver condition is spending above Rs. 2.5 lakh in an anniversary year.

Luxe Vouchers are digital gift cards that can be redeemed across popular luxury and lifestyle brands such as Myntra, Flipkart, Pantaloons, and more. Once you qualify for the offer, the voucher code will be sent directly to your registered email ID or mobile number. In most cases, vouchers are delivered within 5–7 working days after successful validation of your transaction or application.

Yes, you can apply even with a low CIBIL score, but your chances of approval may be limited. Most banks and lenders prefer a CIBIL score of 750 or above for quick approval and better interest rates. If your score is lower, some lenders may still consider your application based on other factors such as your income, employment stability, or existing relationship with the bank. However, you may be offered a lower loan amount or higher interest rate. Improving your credit score before applying can increase your chances of getting approved on favorable terms.

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