Unnati sbi credit card first four years free Hai. After four years annual fees Rs.499+GST, ye card aap Fd ke against hi apply kar sakte ho or jab tak card aap use karo ge tab tak fd nahi brake kra sakte.fd brake krane ke liya aap ko card close krana ho ga. Card apply karne ke liya aap ko sbi BARNCH may jaana ho ga.