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STATE BANK
No annual fee for four years, and Rs. 500 back for Rs. 50,000 of spending every year
One-time
Per year
Uncapped rewards
Score 700+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromEverything else
No published ceiling on this tier
Fuel earns no Reward Points at all, and cash advances, balance transfers, Encash and Flexipay are outside the rewards programme. All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
1% on Everything else — Excludes fuel, cash advances, balance transfers, Encash and Flexipay. Rs. 500 cashback at Rs. 50,000 of annual spending is the main benefit., with no stated cap.
Biggest limitation
1 Reward Point per Rs. 100 is 0.25% back at the published point value — among the lowest rates in this catalogue.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
1 pts
uncappedEverything else
Excludes fuel, cash advances, balance transfers, Encash and Flexipay. Rs. 500 cashback at Rs. 50,000 of annual spending is the main benefit.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹589 | Rs. 499, waived for the first four years. Payable from the fifth year onwards |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | Slab-based on the total amount due, from nil below Rs. 500 up to Rs. 1,300 above Rs. 50,000, as published in SBI Card's MITC | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹589 a year
charged with no published way to avoid it
This card carries no airport lounge access.
1% waiver. 1% fuel surcharge waiver on eligible fuel transactions.
Linkable to UPI. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹1 a year — about ₹0 a month
Rs. 500 cashback on spends of Rs. 50,000 or more in a year, repeated annually
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKReliance SBI Card₹589
STATE BANKTitan SBI Card₹3,539
STATE BANKIRCTC SBI Card Premier₹590
STATE BANKTata Neu Plus SBI Credit Card₹589
Suryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177
IDFC BANKIDFC FIRST Mayura Credit Card₹7,079| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| SBI Card Unnati · this card | ₹589 | 1% everything else | No |
| Reliance SBI Card | ₹589 | Up to 5% cashback | No |
| Titan SBI Card | ₹3,539 | Up to 7.5% cashback | Included |
| IRCTC SBI Card Premier | ₹590 | Up to 10% rewards | No |
| Tata Neu Plus SBI Credit Card | ₹589 | Up to 5% back | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹589 plus GST, with no published spend-based waiver.
The strongest published rate is 1% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Yes. A RuPay credit card can be linked to a UPI app; the issuer's own earning exclusions still apply to UPI spends.
Fuel earns no Reward Points at all, and cash advances, balance transfers, Encash and Flexipay are outside the rewards programme. There is no accelerated category of any kind; every eligible spend earns the same 1 point per Rs. 100. Fuel earns no Reward Points at all, and cash advances, balance transfers, Encash and Flexipay are outside the rewards programme. There is no accelerated category of any kind; every eligible spend earns the same 1 point per Rs. 100. Fuel earns no Reward Points at all, and cash advances, balance transfers, Encash and Flexipay are outside the rewards programme. There is no accelerated category of any kind; every eligible spend earns the same 1 point per Rs. 100.
Redeemed from the SBI Card rewards catalogue, Redeemed as statement credit
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
For four years, yes — there is no joining fee and the Rs. 499 annual fee is waived for the first four membership years, with no spend condition attached. The renewal fee applies from the fifth year onwards. That is the longest fee-free run of any card in our catalogue, and it is the main reason to take the card.
1 Reward Point per Rs. 100 spent, which is 0.25% at SBI's published Rs. 0.25 a point. Cash advances, balance transfers, Encash, Flexipay and fuel transactions are outside the programme. The reward rate is not the point of this card; the fee-free period and the annual cashback milestone are.
Spend Rs. 50,000 or more in a membership year and Rs. 500 is credited back, and it repeats every membership year rather than only in the first. At Rs. 50,000 of spending that is a 1% return, four times what the base reward rate pays on the same money — so it is worth planning the card's use around.
No. SBI publishes no airport lounge access for this card. It is an entry card built around costing nothing, and lounge access at this tier generally comes with a fee that defeats the purpose.
The Rs. 499 annual fee becomes payable, and SBI publishes no spend-based waiver for it. That is worth a diary note: at a 0.25% reward rate, Rs. 499 needs about Rs. 2,00,000 of spending to earn back, so the card is worth reviewing rather than renewing automatically.
Somebody who wants a credit line open at no cost and no conditions — a first card, a backup card, or a card held purely to build a credit history. Anybody choosing on reward rate should look at the cashback and co-brand cards instead, which pay several times more.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
