Key Features & Benefits
- ✦1 Reward Point per ₹100 on all eligible spends
- ✦Zero joining fee and zero annual fee for first 4 years
- ✦₹500 cashback on spending ₹50,000+ in a year
- ✦Issued against SBI Fixed Deposit (no income proof or credit history required)
- ✦Credit limit = 80–90% of Fixed Deposit amount
- ✦Build credit history with a secured card
- ✦1% fuel surcharge waiver
- ✦Annual fee waiver for 4 years — just maintain your FD
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Welcome & Joining Benefits
- ✦Check SBI Card website for current benefits
Milestone Benefits
- ✦₹50,000 annual spend → ₹500 cashback
Pros & Cons
✓ Advantages
- ✓No income proof required — ideal for students and homemakers
- ✓Free for 4 years — no upfront cost to build credit
- ✓Helps establish credit history for future unsecured card applications
- ✓FD continues earning interest while securing the card
- ✓Available to anyone with an SBI savings account and FD
✗ Disadvantages
- ✗Requires locking ₹25,000+ as Fixed Deposit
- ✗Limited rewards — 1X only
- ✗No lounge access
- ✗₹499 annual fee kicks in from Year 5
Frequently Asked Questions
Can I close the FD if I no longer want the card?▼
Yes — you can close the FD by surrendering the credit card first. However, maintaining the card and FD helps build your credit score over time, which unlocks better unsecured cards in future.
Who should get the Unnati card?▼
Anyone building credit from scratch — students, housewives, gig workers, self-employed individuals with no formal income proof, or anyone who was rejected for a regular credit card. The FD secures the credit limit, removing the bank's risk.
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