Reliance SBI vs SBI Unnati
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Reliance SBI Credit Card wins 3 of 8 dimensions with a CardTrail Score of 6.7/10 vs 6.0/10.
| Feature | Reliance SBI | SBI Unnati |
|---|---|---|
| CardTrail Score | 6.7/10 | 6.0/10 |
| Annual Fee | ₹499 | ₹499 |
| Base Reward Rate | 1.25% | 0.25% |
| Max Reward Rate | 2.5% | 0.5% |
| Forex Markup | 3.5% | Zero |
| Domestic Lounges | 0 | 0 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | RuPay |
When to Choose Reliance SBI
- You can meet the fee waiver condition: Annual fee waiver on spends of Rs. 1 Lakh
- You want higher rewards — up to 2.5% vs 0.5%
- Your primary spend is: shopping, cashback
When to Choose SBI Unnati
- You travel internationally — saves ₹3,500/year on ₹1L forex spend
- Your primary spend is: beginners, cashback
Forex Cost Comparison
On ₹1,00,000 annual international spending: Reliance SBI costs ₹4,130 in forex fees vs SBI Unnati at ₹0. You save ₹4,130/year with SBI Unnati.
Annual Fee Value Analysis
To break even on Reliance SBI's ₹499 fee at 1.25% rewards, spend ₹3,327/month.
To break even on SBI Unnati's ₹499 fee at 0.25% rewards, spend ₹16,633/month.