वेतनभोगी एवं दैनिक उपयोग (Salaried)नेटवर्क: Visaसत्यापित: 2026-09-28 (180-दिवसीय SLA)

एसबीआई कार्ड उन्नति

जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)

Financial inclusion and credit-builder card issued against ₹25,000 SBI Fixed Deposit with zero income proof, zero annual fee for 4 years, and ₹500 milestone cashback.

वार्षिक शुल्क (Annual Fee)NIL for first 4 years (₹499 + GST from 5th year onwards)

शुल्क माफी खर्च सीमाSpend ₹50,000 or more in the preceding year to waive the ₹499 renewal fee from the 5th year onwards.

रिवॉर्ड दर (Reward Rate)1 Reward Point per ₹100 spent on all retail transactions.

ब्याज प्रभार (APR)Up to 2.75% per month (33.00% per annum) — lower than standard unsecured commercial credit cards.

💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)

कार्ड का संक्षिप्त विवरण

SBI Card Unnati is a financial inclusion and credit-builder card introduced to help individuals with no prior credit history, informal-sector workers, homemakers, and self-employed traders establish a pristine CIBIL score. It requires zero income proof, zero annual fee for 4 years, and is secured against an SBI Fixed Deposit (₹25,000 minimum).

स्वागत लाभ (Welcome Benefit)

Zero annual fee for the first 4 years and 100% approval against an SBI Fixed Deposit of ₹25,000 or more without requiring any income proof or previous credit history.

एयरपोर्ट लाउंज एक्सेस (Lounge Access)

No complimentary airport lounge access.

ईंधन अधिभार छूट (Fuel Surcharge Waiver)

1% fuel surcharge waiver for transactions between ₹500 and ₹3,000 at all petrol pumps in India (maximum ₹100 per statement cycle).

माइलस्टोन खर्च लाभ (Milestone Perks)

₹500 cashback on annual spends of ₹50,000 within 12 months of card issuance.

📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)

पात्रता की शर्तें

Any Indian resident holding an SBI savings bank account and an active SBI Fixed Deposit of ₹25,000 or more. Age 21 to 70 years.

न्यूनतम वार्षिक आय आवश्यकता

₹0 (Zero income proof; secured against SBI Fixed Deposit of ₹25,000+)

CIBIL स्कोर आवश्यकता: No previous credit history or CIBIL score required. Ideal credit builder product.

📂आवश्यक दस्तावेज (Required Documents)

1. PAN Card 2. Aadhaar Card (Identity and Address Proof) 3. SBI Fixed Deposit Receipt (FDR) / Account statement.

⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)

Requires maintaining a locked Fixed Deposit of at least ₹25,000 with SBI; premature FD liquidation cancels the credit card. Basic reward rate of 1 point per ₹100 without accelerated spending categories. No airport lounge access.

विलंब भुगतान शुल्क:Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.

एटीएम नकद निकासी शुल्क:2.5% of transaction amount or ₹500 (whichever is higher) + 2.75% per month finance charge.

विदेशी मुद्रा मार्कअप:3.50% + GST.

🚀आवेदन के चरण (How to Apply)

Step 1: Visit sbicard.com/apply or open the YONO SBI app and select SBI Card Unnati. Step 2: Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score). Step 3: Fill online application form with personal, residence, and occupational details (takes 5–10 minutes). Step 4: Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof). Step 5: Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants). Step 6: Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.

आधिकारिक कार्ड पोर्टल पर जाएं आधिकारिक MITC दस्तावेज देखें↗

❓अक्सर पूछे जाने वाले प्रश्न (FAQs)

What happens if I miss the minimum payment due on SBI Card Unnati?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 2.75% per month (33.00% per annum) — lower than standard unsecured commercial credit cards. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on SBI Card Unnati into EMI?

Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on SBI Card Unnati?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). Please note: Reward points expire 24 months (2 years) from the date of accrual.

What is the interest-free grace period on SBI Card Unnati and how does it work?

The interest-free period on SBI Card Unnati is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 2.75% per month (33.00% per annum) — lower than standard unsecured commercial credit cards.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.