Krishak Unnati SBI Card
KeepFree for a year, then ₹499 that clears at ₹30,000 of spend — the lowest waiver bar SBI publishes.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until SBI Card publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
1 notes on the card itself: how it is issued
The take
Buried in SBI's fee table, between cards nobody markets, is the gentlest pricing the issuer puts on anything: nothing to take the card, and a ₹499 renewal that disappears if you spent ₹30,000 on it in the preceding year. That is ₹2,500 a month. Every other waiver in the same document asks for ₹1 lakh, ₹2 lakh or ₹3 lakh. For a farmer-segment card sold through SBI's rural channel, that bar is the entire design, and it is a genuinely good one — a household putting ordinary spending through this card never pays for it. What SBI has not published is anything else. There is no product page, no brochure, and no application form; the card appears in the MITC and the Key Fact Statement and in no other document on sbicard.com. So we can tell you exactly what it costs and we will not invent what it earns. If it was offered to you at a branch, take the terms sheet they hand you and keep it — it is the only copy anyone has.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
SBI Card publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 3 Aug 2026 SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme issuer-wide
- 31 Mar 2026 SBI kills both Etihad Guest co-brands and force-swaps holders into MILES issuer-wide
- 10 Jan 2026 SBI Card splits domestic lounges into tiers, adds entry fees issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Nothing to pay to take the card — SBI's fee table reads NIL in the one-time column
- ₹499 renewal waived at just ₹30,000 of preceding-year spend — the lowest bar in SBI's entire fee table, where the next rung up asks ₹1 lakh
- Still priced and serviced in SBI's current MITC and Key Fact Statement
Watch out
- SBI publishes NO product page, brochure or benefit sheet for this card — its terms are entirely unstated, so we decline to value it
- There is no application form for it anywhere in SBI's sitemap, unlike the other undocumented cards in the same fee table — it is offered, not applied for
- NO INTERNATIONAL USE AT ALL — the MITC's Table (A) exempts this card from the forex markup because it does not allow foreign transactions
- It is not a revolving card: 'This Card does not offer Cardholder a revolving credit facility. Cardholder has to pay Total Amount Due', so there is no minimum-due month to fall back on
- No cash advance either — SBI's Table (A) says no cash limit is allocated
- No lounge access: absent from both Set A and Set B of SBI's own Airport Lounge Access page
What these points actually fly
SBI Card has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹30,000 a year is the bar that waives the ₹499 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. SBI Card states what the Krishak Unnati SBI Card earns, but has not published which spend categories count toward the fee waiver — the ₹30,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Invite-only — there is no public application form. The bank calls you.
You do not apply — SBI offers it. Unlike Delhi Metro, Central Select and Aditya Birla, which at least keep an application-form URL in SBI's sitemap, this card has no public funnel at all: no product page, no form, no brochure, and therefore no published income, age or eligibility criterion. It is a farmer-segment product distributed through SBI's rural and agricultural channel, so the route in is a branch conversation. If you are offered it, the pricing is the reason to say yes: nothing to take it, and ₹2,500 a month of ordinary spending keeps it free forever.
SBI Card publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official SBI Card MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
4 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Farmer-segment card issued by SBI Cards and Payment Services Ltd — a CREDIT CARD priced in the consumer MITC, not a Kisan Credit Card agricultural credit line. Row reads "Krishak Unnati SBI Card NIL 499 (Waived off on annual spends of 30,000 or more in the preceding year)": NIL to take, ₹499 a year after, and ₹30,000 is the lowest waiver bar anywhere in SBI's fee table (the next rung is ₹1 lakh). The separate NIL joining line beside a real renewal fee is our published-nil-fee rule's sourced zero, so the card file carries `joiningFee: 0` rather than leaving the field out; SBI gives this same shape to SBI Card Unnati, Shaurya Select, OLA Money and the base Landmark Rewards card. No product page, no product-record JSON, no brochure and no sitemap URL of any kind — not even an application form; reward terms unstated, so the card file carries a null earn triple.
per the official SBI Card MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programmeSBI Card Travel Credits transferred 1:1 into Etihad Guest, one of eighteen airline partners in §3 of the MILES rewards T&C. At the ₹1/partner-mile anchor that was a full-value exit, and it was the only route left after the two Etihad Guest SBI co-brands were retired. → No Etihad route at all. The MILES rewards T&C now lists seventeen airline partners and Etihad is not one of them — the word does not appear anywhere in the seven-page document. Every other SBI partner survives at the same ratio.
SBI Card's own MILES rewards T&C, re-fetched on 22 August 2026 and carrying a 3 August 2026 ModDate inside the PDF, has one fewer airline in it than the edition this desk read on 2 August. The deletion is provable from the numbering rather than from absence alone: the table's first seven rows are unchanged (Air Canada 3, Air France-KLM 4, Air India 5, British Airways 6, Cathay 7), and every row from position eight onward has moved up exactly one — Thai from 14 to 13, Qantas from 17 to 16. Position eight was Etihad Airways / Etihad Guest / 1:1. All twenty-four other partners we carry, airline and hotel, are still there at the same ratios, so this is Etihad being dropped and not SBI narrowing transfers. The timing matters more than the ratio. SBI phased out the Etihad Guest SBI and Etihad Guest SBI Premier cards from December 2025 and reissued holders onto MILES products, and the transfer route was what made that migration survivable — a Premier holder who had spent six years earning Etihad miles could keep feeding the same account through Travel Credits. That is now closed, and India's remaining pipes into Etihad Guest run through BOBCARD's Etihad co-brands, not through SBI. If you hold SBI Travel Credits earmarked for an Abu Dhabi business seat, they are Aeroplan, Flying Blue, Avios or Maharaja points now. ON THE DATE: SBI publishes no notice and no cut-off. The date here is the day the desk read the change out of SBI's own document; the PDF's internal ModDate puts the edition at 3 August 2026, which is the earliest day we can prove, not an announcement.
- 1 Jul 2026PhonePe SBI SELECT BLACK stops paying on UPI outside PhonePe
- 1 Jul 2026PhonePe SBI PURPLE stops paying on UPI outside PhonePe
- 31 Mar 2026SBI kills both Etihad Guest co-brands and force-swaps holders into MILES
- 9 Mar 2026Paytm SBI Card stops earning on school and education spends
- 9 Mar 2026Paytm SBI Card SELECT stops earning on school and education spends
- 10 Jan 2026SBI Card splits domestic lounges into tiers, adds entry fees
- 1 Dec 2025SBI discontinues the OLA Money card and moves holders onto a house card
Every SBI Card change we've dated → 19 events since 1998, 13 of them nerfs — worst year 2025.
Verified against SBI Card's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 5 of them, each with the day we read it
- official MITC — "Krishak Unnati SBI Card NIL 499 (Waived off on annual spends of 30,000 or more in the preceding year)"
- official MITC, Table (A) — the card is exempt from the forex markup because international use is not allowed, carries no cash limit, and offers no revolving credit
- official SBI Card's own sitemap — it carries no URL of any kind for this card, neither a product page nor an application form
- official Key Fact Statement — the same NIL / ₹499 row, waived at ₹30,000 of preceding-year spend
- official Airport Lounge Access — this card appears in neither Set A nor Set B, so it opens no SBI lounge door