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REWARD POINTS CARD

SBI Card Unnati

SBI Card

Secured card issued against an SBI fixed deposit, free for the first 4 years, with ₹500 cashback on annual spends of ₹50,000 and 1 Reward Point per ₹100.

Annual fee is ₹499 + taxes from the 5th year. Cash advance, balance transfer, Flexipay and fuel transactions earn no Reward Points.

SBI Card Unnati
ANNUAL FEE
₹499
JOINING FEE
No joining fee
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
₹500 cashback on annual spends of ₹50,000
BEST FOR
Included: May suit those who want a card with no annual fee for 4 years and are able to place an SBI fixed deposit as security.
Included: May suit those who want no annual fee for the first 4 years.
Included: May suit annual spenders who can reach ₹50,000 for the ₹500 cashback.
Included: May suit everyday spends earning 1 Reward Point per ₹100.
Limitation: Earn is 1 Reward Point per ₹100 with no accelerated rate on the page may wish to compare other cards.
Limitation: Those unable to place an SBI fixed deposit of ₹25,000 or more as security may wish to compare other cards.
Limitation: Those seeking an accelerated reward rate on dining, travel or online spends may wish to compare other cards.
Limitation: Those who spend mainly on fuel, which earns no Reward Points may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Issued against a lien on the cardholder's SBI fixed deposit of ₹25,000 or more.
Condition: Fuel surcharge waiver is 1% on transactions of ₹500–₹3,000, capped at ₹100 per statement cycle.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
No joining fee
Annual / renewal fee
₹499
Fee waived at
Not stated
Forex markup
Not stated
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
Not stated
International airport lounge
Not stated
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Not stated
EVERYDAY
Fuel
1% waiver on transactions of ₹500–₹3,000 at petrol pumps across India; max ₹100 per statement cycle
Dining
Not stated
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Cash advance, balance transfer, Flexipay and fuel transactions; Cash advance, balance transfer, Flexipay and fuel transactions earn no Reward Points
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: ₹500 cashback on annual spends of ₹50,000
Included: Issued against a lien on the cardholder's SBI fixed deposit of ₹25,000 or more.
Included: Contactless payments through Visa PayWave; one transaction is processed even if the card is tapped multiple times.
Included: Add-on cards for family members above 18, Flexipay EMI on transactions of ₹2,500 or more, Easy Bill Pay and balance transfer on EMI.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.