SBI Card Unnati
Empowers you to go completely cashless
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.25% travel · 0.25% dining · 0.25% base.
After fees, you're earning real money on this card. The break-even moves with your category mix — pull travel up if you fly more, dining if you eat out.
vs Axis Bank ACE
At ₹50,000/month with 15% travel and 10% dining.
Tools for SBI Card Unnati holders
Frequently asked
Is the SBI Card Unnati worth the ₹499 fee?
It depends on your spend. The SBI Card Unnati earns 0.25% base reward and waives the annual fee at ₹50,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for SBI Card Unnati?
SBI hasn't published a hard minimum income for SBI Card Unnati. Approval depends on credit score, existing relationship, and employment type.
How do I redeem points on SBI Card Unnati?
Best redemption is at Shop & Smile catalog, where 1 point ≈ ₹0.25. Other paths (statement credit, vouchers) usually return less.
What is the forex markup on SBI Card Unnati?
Most Indian cards charge 1.5–3.5% forex markup. We're verifying SBI Card Unnati's exact rate.
Last verified: 2026-05-01. Reward rates and fees are sourced from SBI's product page and may change. Always confirm with the card issuer before applying.