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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | 1.1% | 0.7% | 0.5% | 0.3% | 0.3% |
| Est. Monthly Reward (₹) | 50 | 65 | 90 | 165 | 290 |
| All-India Rewards Rank* | 24 | 91 | 217 | 302 | 321 |
| Within Bank Rank* | 2 | 9 | 48 | 73 | 74 |
| * Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. | |||||
The SBI Unnati Credit Card offers a 0.25% reward yield on all spends and is the only card with no annual fee for first 4 years. You also receive a milestone reward of ₹500 on charging ₹50,000 to the card in a year.
Overall, you can earn a net reward yield of 0.3-1.1% with this card, which makes this a below average card in India.
The CASHBACK SBI Card is the best credit card for most SBI Card customers. We estimate it offers an average net reward yield of 1.9-2.3% on all your spend.
Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.
| Card | SBI Unnati Credit Card |
|---|---|
| Card Type | Reward |
| Reward Features | 1 Reward Point for ₹100 spend |
| Milestone Rewards | 500 Cashback on spending ₹50,000 / Year |
| Other Rewards | Nil |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Vouchers on SBI Card App @₹0.25 / reward point |
| Card | SBI Unnati Credit Card | |
|---|---|---|
| Joining Fee | Nil | |
| Annual Fee | ₹499 + Taxes Waived for First 4 years |
|
| Min. Annual Credit Card Spend for Fee Waiver |
₹50,000 | |
| Income Criteria | Salaried | N/A |
| Self-employed | N/A | |
| Supplementary Card Fee | Free | |
| Interest Rate | 42.00% | |
| Foreign Currency Markup | 3.50% | |
| Cash Advance Charge | 2.50% with a minimum of ₹500 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
