SBI Unnati Credit Card – A Complete Guide to Features & Benefits (2025)

Fuel surcharge waiver

SBI Unnati credit card provides a 1% fuel surcharge rebate on purchases ranging from ₹500 to ₹3,000. 

You receive an upper limit of ₹100 waiver per statement cycle.

How is it given?

The waiver is given for every fuel purchase, but it does not cover GST or other fees.

You get a complete waiver of maximum ₹100 per month.

Cashback

The SBI Unnati credit card rewards you with a ₹500 cashback if you have spent ₹50,000 or more in one year. The cashback is credited to you within 15 days of meeting the spending milestone.

How do I get cashback?

Cashback is credited to your account automatically and reflects on your monthly statement.

It is applicable for all membership years.

This cashback is a one-time reward and does not accrue toward the Reward Points Program.

Reward redemption

Redeeming reward points on the SBI Unnati credit card allows you to redeem your reward points through gifts, cash, or other advantages.

Redeeming reward points:

Login to sbicard.com.

Proceed to the Rewards section.

Click on "Redeeming Reward Points."

Navigate through the rewards catalogue and select an item.

Click "Redeem now" and confirm.

Alternatively, you can redeem points by contacting SBI credit card customer care.

What can you redeem points for?

Gifts from the SBI Rewards Catalog

Cash

Air Miles to purchase flight tickets

How do you get reward points?

You get 1 reward point for each ₹100 spent using your card.

You also receive ₹500 cashback if you spend ₹50,000 or more within a year.

Let’s understand it with the help of an example:

Let’s say, Priya, who just spent her SBI Unnati credit card on purchasing ₹20,000. This is how she redeemed her points:

Steps taken by Priya:

Priya spent ₹20,000, earning 200 reward points (1 point for each ₹100 spent).

She went to sbicard.com and chose a gift worth ₹1,000 from the reward catalog.

Priya clicked on "Redeem now" and approved the redemption.

How Priya got points:]

₹20,000 spent = 200 points.

She also got back ₹500 as cashback on spending ₹50,000 in one year.

Priya enjoys her present, courtesy of her points now.

Contactless payment

Contactless payment on the SBI Unnati credit card allows you to make payments simply by waving your card on top of a contactless reader. 

Swipe or PIN no more for payments of up to ₹5,000.

The process is quite simple:

See the contactless symbol on the payment terminal.

The merchant enters the value of the purchase.

Wave your card above the reader to pay.

Advantages of contactless payment:

Convenience: No need to part with your card or give out cash.

Security: The card remains with you, eliminating risk of loss or fraud.

Alternate contactless modes of payment:

You may also use the SBI Card Pay application to pay through your Android smartphone.

The Bharat QR process can be applied to make a contactless payment.

Disadvantages of contactless payment

There are dangers such as fraud or unauthorised spending if your card or device is stolen or lost.

Interest-free credit period 

The SBI Unnati credit card provides an interest-free 20 to 50 days. This duration begins after your statement is prepared and is concluded on the due date.

How does the interest-free period function?

You will not be charged interest on the purchases during this time.

The interest-free period will not be applicable if you fail to pay the last month's balance in full.

On cash advances, interest is charged from the transaction date until you repay.

Easy Money 

You can get a draft or cheque against your cash limit and deliver it to your doorstep.

Balance Transfer

The balance transfer option on the SBI Unnati credit card allows you to transfer your pending credit balance from other banks to your SBI card. 

This can be transferred at a reduced interest rate and repaid in EMIs.

Advantages of balance transfer:

Lower interest charges: Pay less money for your credit card payment.

Repayment flexibility: Repay your balance using simple EMIs.

Consolidate debt: Pay off your credit card debt into a single account for more straightforward repayment.

How to transfer balance:

Sign in to sbicard.com using your user ID and password.

Request a balance transfer.

Additional information:

The balance transfer facility is open only to the primary cardholder.

You may cancel the balance transfer within 45 days of making the request.

Your previous credit card will have either a zero balance or the outstanding amount not transferred after the transfer.

Bill Payment

The SBI Unnati credit card has the Easy Bill Pay facility, which allows you to pay your electricity, mobile, telephone, and other bills online.

Steps to use Easy Bill Pay:

Login to your account at sbicard.com.

Pay your bills using the Easy Bill Pay feature.

Flexipay

The SBI Unnati credit card comes with the Flexipay facility that allows you to convert your spend into easy monthly payments.

Steps to use Flexipay:

Do a purchase worth a minimum of ₹2,500 through your SBI Unnati credit card.

Log in to sbicard.com within 30 days from making the purchase.

Convert the transaction into Flexipay.

Benefits of Flexipay:

Competitive rates of interest

Repayment as per convenience

One-time processing charge of 1%, to a maximum of ₹2,000

To whom is Flexipay available?

Existing SBI credit cardholders are allowed to use Flexipay.

Blocked or overdue cardholders are not allowed to use Flexipay.

Let’s understand it with the help of an example:

Let’s say, Rahul, who recently purchased a smartphone worth ₹10,000 on his SBI Unnati credit card. Rahul wishes to pay for this purchase in installments through Flexipay.

Steps Rahul took:

Rahul spent ₹10,000 on his card.

He logged into sbicard.com within 30 days.

He converted ₹10,000 to Flexipay.

Benefits Rahul gained:

Interest rate: 1.5% per month.

Repayment flexibility: He opted for a 6-month plan.

Processing fee: 1% of ₹10,000 = ₹100.

Now, Rahul pays ₹1,710 every month (₹10,100 ÷ 6).

Type of Charge

Fee

Annual Fee (5th Year Onwards)

₹499

Add-on Card

Nil

Finance Charges

Up to 3.50% per month

Interest-free Credit Period

20 to 50 days

Cash Advance Limit

Up to 80% of credit limit (Max ₹12,000/day)

Free Credit Period

Nil

Cash Advance Fee at SBI ATMs

2.5% of transaction (Min ₹500)

Cash Advance Fee at Other Bank ATMs

2.5% of transaction (Min ₹500)

Cash Advance Fee at International ATMs

2.5% of transaction (Min ₹500)

Cash Payment Fee

₹100

Payment Dishonour Fee

2% of payment amount (Min ₹500)

Cheque Fee

₹100

Card Replacement Fee

₹100

Emergency Card Replacement (Abroad)

Actual cost, Min $175

Foreign Currency Transaction Markup

3.5%

Rewards Redemption Fee

₹99

Over Limit Charges

2.5% of amount (Min ₹600)

Railway Tickets (Counter)

₹30 + 2.5% of transaction

Railway Tickets (Online Portal)

1.8% of transaction + service charge

Fuel Surcharge Waiver

1% waiver for transactions ₹500 to ₹3,000