Unlocking Financial Opportunities: The SBI Unnati Credit Card Experience


The State Bank of India (SBI) Unnati Credit Card is a unique financial offering that stands out for its inclusive approach and special features. Targeted at individuals with limited credit histories or lower income levels, the Unnati Credit Card is designed to provide access to essential financial services. Let’s delve into the details, exploring the step-by-step process of acquiring the card, understanding its credit limit, and considering any potential disadvantages.

SBI Unnati Credit Card

The State Bank of India launched a new credit card called the SBI Unnati Credit Card. The Unnati card is available to account holders having a balance of Rs.25,000 or more. SBI will not charge an annual card fee for the first 4 years. Furthermore, the card comes with a bevy of benefits.

Due to its use at over 24 million outlets and excellent reward points, the Unnati card may be the right option for consumers who want to utilize a credit card for basic needs such as paying utility bills, making payments, shopping, and so on.

Inclusivity and Target Audience

The SBI Unnati Credit Card is distinguished by its commitment to financial inclusivity. Aimed at individuals who might face challenges in obtaining a traditional credit card due to limited credit history or lower income, the Unnati card opens doors to the world of credit for a broader audience. The application process is often simplified, reflecting SBI’s dedication to expanding financial access.

Application and Eligibility

Applying for the SBI Unnati Credit Card is a straightforward process. Prospective cardholders can submit their applications online or visit an SBI branch. The eligibility criteria are designed to accommodate a diverse set of applicants, focusing on inclusivity rather than stringent income or credit score requirements. This ease of application aligns with the card’s mission of financial accessibility.

Welcome Rewards and Annual Fee Waiver

Upon approval, cardholders are welcomed with a unique proposition—the annual fee is waived off for the first four years. This distinguishes the Unnati Credit Card from many other offerings in the market. Welcome rewards, which may include bonus points or discounts, sweeten the deal, providing an incentive for users to make the most of their new financial tool.

Credit Limit Determination

The credit limit on the SBI Unnati Credit Card is determined based on various factors, including the applicant’s income, credit history, and financial profile. While the credit limit may be lower compared to premium cards, it is tailored to suit the needs and repayment capacity of the target audience. This approach ensures responsible credit usage and encourages financial discipline.

Cashback Benefits and Rewards

The Unnati Credit Card offers cashback benefits on specific transactions, adding a layer of financial advantage for cardholders. Additionally, users earn reward points on their spends, contributing to a rewards program that allows for the redemption of points against a variety of options, including merchandise, vouchers, or statement credits.

Digital Benefits and Online Services

SBI places a strong emphasis on digitization, and the Unnati Credit Card aligns with this vision. Cardholders can enjoy the convenience of online services, including digital payment options, e-statements, and round-the-clock access to their credit card accounts. This digital integration enhances the overall user experience, especially for those who prefer managing their finances online.

Credit Building and Financial Literacy

One of the noteworthy aspects of the Unnati Credit Card is its role in credit building. For individuals with limited credit histories, this card serves as a stepping stone towards establishing a credit profile. Additionally, SBI often integrates financial literacy initiatives with the Unnati program, providing educational resources to empower cardholders with sound financial knowledge.

  • Worldwide Acceptance
    • You can use your SBI Card Unnati in over 24 million outlets across the globe, including 3,25,000 outlets in India
    • Use your card to make payments at any outlet that accepts Visa or MasterCard
  • Contactless Advantage
    • Daily purchases now made easy with SBI Card Unnati. Simply wave your card at a secure reader to transact
    • Fast & convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases
    • Security:  The card never leaves your hand during a Contactless transaction, significantly reducing the risk of card loss and fraud due to skimming (counterfeit). Even if the card is waved multiple times at the reader, the unique security key feature of Visa payWave will ensure that only one transaction goes through, thus making it more secure
    • Please click here to download the FAQ’s
    • Please click here to download the list of Merchants enabled for transactions.
  • Add-on Cards
    • With SBI Card Unnati, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18
  • Cash on the Go
    • Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe
  • Utility Bill Payment Facility
    • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your card
    • Click here to know more
  • Balance Transfer on EMI
    • Save money while paying your credit card dues
    • Transfer the outstanding balance of other banks’ credit cards to your SBI Card Unnati, and avail a lower rate of interest and pay back in EMIs
    • Log on to comwith your user ID and password to take benefit of this service
    • Click here to know more about Balance Transfer on EMI
  • Flexipay
    • With Flexipay, convert your transactions in easy monthly installments. Make any purchase for 2,500 or more using your SBI Card Unnati, and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay

Disadvantages of SBI Unnati Credit Card

  1. Limited Features and Benefits: While the Unnati Credit Card offers cashback benefits and rewards, the range of features may be more limited compared to premium credit cards. Cardholders may find fewer perks, such as travel benefits or lifestyle privileges, associated with the Unnati card.
  2. Annual Fee After the Initial Four Years: While the first four years come with a waived annual fee, cardholders should be aware that an annual fee will be applicable from the fifth year onwards. It is essential to factor this into the long-term cost of holding the Unnati Credit Card.
  3. Standard Interest Rates: The interest rates on the Unnati Credit Card are typically standard and may not offer the same competitive rates as some premium cards. Cardholders who carry a balance should be mindful of interest charges and consider paying the full amount due to avoid accruing high-interest costs.
  4. Limited Travel Benefits: For individuals seeking a credit card with extensive travel benefits, the Unnati Credit Card may have limitations. While it offers some cashback benefits, it may not provide the same level of travel-related perks as premium travel credit cards.


The SBI Unnati Credit Card plays a vital role in expanding financial inclusion by providing a credit solution for individuals with limited credit histories or lower income levels. The steps involved in acquiring the card, understanding its credit limit, and exploring its benefits highlight its commitment to inclusivity. While the card offers advantages such as a waived annual fee for the initial years, cashback benefits, and rewards, potential cardholders should also be mindful of the associated annual fee from the fifth year onwards and the standard interest rates. Ultimately, the Unnati Credit Card serves as a valuable tool for those looking to build their credit history and gain access to essential financial services.

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