SBI Card UNNATI
SBI Cards · RuPay
Why this card?
- 0.25% back in reward points on eligible spends
- ₹499 annual fee
- 1% fuel surcharge waiver
Card details
- Issuer
- SBI Cards
- Network
- RuPay
- Annual Fee
- ₹499
- Joining Fee
- None
- Reward Type
- points
- Best Reward Rate
- 0.25% on all eligible spends
- Forex Markup
- 3.5%
- Domestic Lounge
- None
- Min. Monthly Income
- ₹12,000
- Rates verified
- 2026-10-06
Our verdict
SBI Card UNNATI is the most accessible credit card from SBI — a low income requirement and no annual fee for the first four years make it a practical first card. The RuPay network adds UPI credit card capability. Rewards are thin (about 0.25% value) but it serves as a credit-building tool.
Pros
- Low income threshold of ₹12,000 a month
- RuPay network enables UPI credit card payments
- Fuel surcharge waiver at any petrol pump on transactions of ₹500–₹3,000 (capped at ₹100 a month)
- No annual fee for the first four years; ₹499 from the fifth year
Cons
- Rewards rate is very low — 1 point per ₹100 spent (about 0.25% value)
- No category rewards and no lounge access
- ₹499 annual fee from the fifth year with minimal reward offset
- Limited appeal beyond credit score building