Entry Level
Zero Forex
SBI Unnati Credit Card
SBI 5.5
CardTrail Score
Decent
out of 10
Annual Fee
Free
Forex Markup
0%
No extra charge
Reward Rate
0.25%
Up to 0.5%
Lounge Access
0
domestic | 0 intl
About This Card
The SBI Unnati Credit Card is an entry-level credit card from SBI with lifetime free. It earns rewards at 0.25% on everyday purchases. Key perks include zero forex markup, fuel surcharge waiver. Best suited for first-time card users.
Pros & Cons
Pros
- No annual or joining fee
- Zero forex markup — great for international use
- Fuel surcharge waiver saves on petrol/diesel
- Easy EMI conversion on purchases
Cons
- No complimentary lounge access
- Below-average base reward rate
Fee Details
Annual Fee
Free
Joining Fee
Free
Fee Waiver Condition
None
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.25%
Max Rate
0.5%
Currency
Reward Points
Welcome Bonus
None
Lounge Access
Domestic Lounges
0
International Lounges
0
Key Highlights
- + Lifetime free — zero annual fee
- + Zero forex markup on international spends
- + Fuel surcharge waiver at all pumps
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Quick Summary
Best For
beginners
Annual Fee Free
Base Reward 0.25%
Max Reward 0.5%
Forex Markup 0%
Network RuPay
Min Income No minimum
CardTrail Score
Best For
beginners
