{
  "id": "sbi-sbi-card-unnati",
  "locale": "hinglish",
  "name": "SBI Card Unnati",
  "bank": "SBI Card",
  "cardType": "entry-level",
  "cardTier": "entry",
  "annualFee": "₹0 (first 4 years ke liye free, phir ₹499 + GST)",
  "loungeAccess": "No lounge access",
  "rewardsRate": "1 point / ₹100 spent · ₹50,000 spend par ₹500 annual cashback milestone · 1% fuel waiver",
  "bestFor": "First-time cardholders, students, homemakers aur zero CIBIL wale individuals jo Fixed Deposit se credit build karna chahte hain",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-unnati.html",
  "aiVerdict": {
    "score": 3.5,
    "summary": "Its modest reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "No extracted lounge benefit",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.25,
  "affiliateId": "sbi-sbi-card-unnati",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "SBI Card — SBI Card Unnati official schedule of charges and MITC",
    "SBI Secured Credit Program — FD lien terms, 4 years free annual fee & milestone cashback policy"
  ],
  "feeWaiver": "First 4 years ke liye ₹0; year 5 se annual ₹50,000 spend par fee waive",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Annual Fee",
      "value": "₹0 for first 4 years (then ₹499 + GST)"
    },
    {
      "key": "Security Deposit",
      "value": "100% approval against SBI FD of ₹25,000+"
    },
    {
      "key": "Credit Limit",
      "value": "Up to 80% to 90% of Fixed Deposit value"
    },
    {
      "key": "Milestone Cashback",
      "value": "₹500 statement cashback on ₹50,000 annual spend"
    },
    {
      "key": "Base Reward Rate",
      "value": "1 Reward Point / ₹100 spent"
    },
    {
      "key": "Fuel Surcharge",
      "value": "₹500 se ₹3,000 par 1% waiver"
    }
  ],
  "earnRates": [
    {
      "category": "All Standard Domestic Retail Spends",
      "rate": "1 Point / ₹100 (0.25% value)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "1,000 Points (~₹250 value)"
    },
    {
      "category": "Milestone Annual Spend (₹50,000)",
      "rate": "₹500 Assured Cashback (1.0% bonus)",
      "monthlyCap": "1 per year",
      "perLakhSpent": "₹500 Cashback"
    },
    {
      "category": "Fuel Purchases",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [
    {
      "channel": "All Retail Purchases",
      "multiplier": "1×",
      "rate": "1 Point / ₹100",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Online aur offline retail spending par 1 point per ₹100."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Brand Shopping Vouchers",
      "value": "₹0.25 / Reward Point",
      "minPoints": "1,000 pts",
      "ceiling": "None",
      "fee": "Nil",
      "isBest": true
    },
    {
      "route": "SBI Card Reward Catalogue",
      "value": "₹0.20 to ₹0.25 / Reward Point",
      "minPoints": "2,000 pts",
      "ceiling": "None",
      "fee": "₹99 + GST",
      "isBest": false
    }
  ],
  "exclusions": [
    "Fuel purchases (sirf 1% surcharge waiver milega).",
    "ATM cash withdrawals aur digital wallet loads."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹0 (Zero Joining Fee)",
      "warn": false
    },
    {
      "item": "Annual Renewal Fee",
      "value": "₹0 for first 4 years (Year 5 se ₹499 + GST, ₹50,000 spend par waived)",
      "warn": false
    },
    {
      "item": "Finance Charges (Interest Rate)",
      "value": "2.75% per month (33.0% per annum — lower secured rate)",
      "warn": false
    },
    {
      "item": "Foreign Currency Markup",
      "value": "3.50% + GST",
      "warn": true
    },
    {
      "item": "Fuel Surcharge Waiver",
      "value": "₹500 se ₹3,000 ke transactions par 1% waiver (Max ₹100/month)",
      "warn": false
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Security Requirement",
      "requirement": "Fixed Deposit with State Bank of India (Minimum ₹25,000 FD)"
    },
    {
      "criteria": "Income Proof",
      "requirement": "None required (100% approval based on FD lien)"
    },
    {
      "criteria": "Age Requirement",
      "requirement": "18 se 70 saal"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}