SBI Unnati Credit Card
Secure application on SBI's website
Annual Fee
₹0
Min Income
₹0
Regular APR
45%
Rating
3.5/5
SBI Unnati Credit Card
Shopping • Card
Welcome Benefit
No annual fee for the first 4 years.
Why We Chose It
An ideal choice for individuals new to credit or with a poor credit score, offering benefits without an income prerequisite.
Pros
- No annual fee for the first 4 years.
- Secured credit card against FD, making it accessible for low credit scores.
- 1% fuel surcharge waiver on eligible transactions.
- Simple rewards program and milestone cashback benefits.
Cons
- Limited rewards rate (1 point per Rs. 100 spent).
- Milestone reward capped at Rs. 500 annually.
- Relies on a fixed deposit, restricting accessibility to non-FD holders.