State Bank of India (SBI Card)Last checked 31 Oct 2026fees only
The Krishak Unnati SBI Card costs Rs 499 a year, waived if you spend Rs 30,000 in a year. Accelerated earn: 5X on utilities and fuel. The forex markup is 3.5%. Read from the issuer's own documents on 31 Oct 2026.
SBI CardKrishak Unnati SBI CardCard design not shown
5X points capped at 5,000 per month (issuer notice, Aug 2020)
Points expiry
24 months
Travel and perks
Forex markup
3.5%
Charges and eligibility
Interest per month
3.75%
Late payment fee
On outstanding amount due: Nil up to Rs 100; Rs 100 (>100-500); Rs 500 (>500-1,000); Rs 750 (>1,000-10,000); Rs 950 (>10,000-25,000); Rs 1,100 (>25,000-50,000); Rs 1,300 (>50,000); plus Rs 100 if minimum due missed two cycles running (slabs as revised 1 May 2026)
Cash advance fee
Not applicable: no cash limit allocated
Fine-print notes
Farmer-segment card; only fee schedule and one issuer notice read. Current availability not confirmed. Issuer-wide (MITC): rent payments carry Rs 199 fee; utility bills totalling over Rs 50,000 in a cycle carry 1% fee; wallet loads over Rs 1,000 carry 1% fee; education payments via third-party apps carry 1% fee; forex markup is not reversed on refunds; fees shown exclude 18% GST.
Questions
What is the annual fee of the Krishak Unnati SBI Card?
Rs 499 a year, before GST. It is waived if you spend Rs 30,000 in a year.
What is the forex markup on the Krishak Unnati SBI Card?
3.5% of each foreign-currency transaction, before GST.