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SBI Card
SBI Card Unnati
RuPay
SBI Card Unnati
SBI's fee waived for the first 4 years (annual fee reversed on ₹20,000 spend) entry card, aimed at first-time credit card users and small-town/semi-urban applicants with a low income bar.
Rates and fees last verified 15 July 2026.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Reward rates by category
- Online shopping5% (capped ₹300/quarterly)
- Groceries5% (capped ₹300/quarterly)
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹10,000
- Employment: salaried, self-employed
- Age: 18–60
Benefits
- 1% fuel surcharge waiver, ₹500–₹4,000/transaction, capped ₹100/statement cycle
Pros
- + Annual fee reversed on a low ₹20,000 spend threshold
- + Low eligibility bar — good first card
- + Online shopping and grocery multipliers
Cons
- − Quarterly reward caps are small
- − No lounge access
Applying takes you to SBI Card's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.