SBI Card Unnati
SBI Card · Checked 2026-10-09
SBI Card Unnati is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
CardIQ editorial view
Our take
SBI Card Unnati is a secured card for people building or rebuilding credit while keeping rewards secondary to access.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise reward points.
- Applicants comfortable backing the card with the issuer's required fixed deposit.
Key strengths
- 1 point per ₹100 on eligible purchases.
Trade-offs to understand
- Secured against an SBI fixed deposit; minimum deposit ₹25,000.
- ₹500 annual cashback on ₹50,000 eligible spend.
- The ₹499 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
Consider it when the fixed-deposit route is useful to you; compare the deposit requirement and exit conditions before applying.
Compare before deciding
- AU Altura+ — A similarly priced alternative for comparing shopping rewards and reward points.
- CRED IndusInd Bank RuPay — A similarly priced alternative for comparing shopping rewards and reward points.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- Secured against an SBI fixed deposit; minimum deposit ₹25,000.
- ₹499 + GST renewal fee applies after the first four fee-free years.
- ₹500 annual cashback on ₹50,000 eligible spend.