SBI Card Unnati
SBI
Designed for thin/no credit history applicants.
Free
Joining fee
₹499
Annual fee
No spend-based waiver; instead the annual fee is Rs 0 for years 1-4 and Rs 499 + taxes from year 5 onwards — a fixed schedule rather than spend-conditional.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹20,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
No credit score requirement — designed for individuals with no credit history or a low credit score; no income criteria or age restrictions listed. Mandatory requirement: linked fixed deposit (FD) of Rs 25,000+; card ceases functioning if the linked FD is closed.
Reward details
1 reward point per Rs 100 spent on eligible transactions
- Rs 50,000 annual spend: Rs 500 cashback
Excluded from rewards: cash advances, balance transfers, fuel purchases, encash, Flexipay
- 1% fuel surcharge waiver on Rs 500-3,000 fuel spends, up to Rs 100/month
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Low annual fee card with basic benefits, well suited for credit-building — Paisabazaar
- No documentation burden since no income proof is required — Paisabazaar
Complaints
- Lacks lifestyle, travel, dining, or shopping benefits — Paisabazaar
- No welcome benefits offered — Paisabazaar
- Limited value proposition beyond credit building — Paisabazaar
Sources
- Official — rendered navigation content only, confirmed only 'no annual fee' via meta-description
- Aggregator — fees, eligibility, lounge, rewards, sentiment