SBI Unnati Card Apply Online | SBI Card Details

The State Bank of India (SBI) presents the SBI Unnati Card, a unique offering designed for individuals with a minimum balance of Rs. 25,000 in their accounts.

For the first four years, SBI waives the annual card fee, providing a cost-effective entry into credit card usage. This card grants access to over 24 million outlets and offers valuable reward points.

The application process is simplified, relying on KYC documentation rather than complex underwriting or credit history checks.

Cardholders benefit from a 1% fuel surcharge waiver, attractive reward points, cashback for high spenders, and the convenience of making utility payments, all without an annual fee for the initial four years.

SBI Unnati is a pioneering credit card, facilitating easy access to credit without the typical hurdles.

Annual Fee (First 4 years)Nil
Renewal Fee (5th year onwards)Rs 499
Add-on Fee (per annum)Nil
SBI Card Unnati

SBI Card Unnati eligibility

To ensure that you meet the current eligibility criteria and to get the most accurate information, visit the official SBI Card website or contact SBI Card customer support before applying.

  • Age typically between 21 and 60 years.
  • Minimum income requirement (varies by card variant).
  • Good credit history and credit score.
  • Indian resident or Non-Resident Indian (NRI) status.
  • Employment status (salaried or self-employed).
  • Valid address proof.
  • Existing relationship with SBI (sometimes considered).

Documents Required

  • Identity Proof:
    • Aadhar Card
    • Passport
    • Voter ID
    • PAN Card
    • Driver’s License
  • Address Proof:
    • Aadhar Card
    • Passport
    • Voter ID
    • Utility Bill (electricity, water, gas, etc.) not more than 2-3 months old
    • Bank Statement or Passbook with the latest entries
  • Income Proof:
    • Salary Slips (for salaried individuals)
    • Income Tax Returns (ITR) or Form 16 (for salaried individuals)
    • Bank Statements (for self-employed individuals)
  • Recent passport-size color photographs may be required for card processing.
  • You’ll need to fill out the SBI credit card application form with accurate information.
  • In some cases, SBI may request additional documents, such as a business registration certificate or proof of income for self-employed individuals.

How to apply SBI Card Unnati?

Read the terms and conditions before applying for SBI Card Unnati. The application process may vary slightly depending on your location and the latest procedures, so it’s a good idea to check the official website or contact SBI Card customer support for the most up-to-date information.

Online Application for SBI Credit Card:

  • Visit the SBI Card Website (
  • Browse through available credit card options.
  • Select “Apply Now” next to your chosen credit card.
  • Fill in the online application form with personal, contact, employment, and financial details.
  • Upload required documents like identity proof, address proof, income documents, and photographs.
  • Review your information and submit the application.
  • Track your application status online.

Offline Application for SBI Credit Card:

  • Visit a nearby SBI branch.
  • Request an SBI credit card application form from bank staff.
  • Fill in the form with personal and financial information.
  • Attach copies of identity proof, address proof, income documents, and photographs.
  • Submit the completed application form to the bank.
  • Inquire about your application’s status through the branch or customer service.

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