Krishak Unnati SBI Card
SBI Card · Open to apply
A card for farmers that works as a charge card: no revolving credit (the total due is paid each month), no cash or international use, no annual fee for the first year and ₹499 after, reversed on ₹30,000 of spends. It earns 5X points on utilities and fuel up to 5,000 points a month; the base rate is not published.
- Annual fee
- ₹499 + GST a year
- Joining fee
- None
- Fee waiver
- Annual fee waived on ₹30,000 spend per card year
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- Terms not entered, checked 6 Nov 2026
Terms the calculator does not value
- Shop & Smile Table No. 2: "Krishak Unnati SBI Card 5X Reward Points for every Rs.100 spent (Utilities & Fuel payments)", capped at 5,000 points a month (also a notice from 20 Aug 2020); base points continue past the cap. Table No. 1 gives no base rate for this card, so "5X" cannot be turned into points, and no earn rule is entered. The three exclusion lists name it (rent, government, gaming).
Sources
- SBI Card Key Fact Statement (file dated 26 Aug 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions, common MITC (PDF of 30 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- SBI Card Shop & Smile rewards programme T&C (Table No. 1 base accrual, Table No. 2 accelerated accrual and caps) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Important Notices page (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on rent payments from 1 Apr 2024 (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on government-related transactions from 1 Jun 2024 (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on digital gaming platforms from 1 Dec 2024 (Bank notice, the bank's own, read 6 Nov 2026)