State Bank of India
SBI Vyapaar Unnati Business Card
State Bank of India
4.4
Best for: New businesses and startups
Key Features
Annual Fee
₹0
Regular APR
3.5% per month (42% p.a.)
Rewards & Benefits
Sign-up Bonus
₹1,000 welcome bonus
Rewards Rate
2 reward points per ₹100 on all spends
Pros
- Zero annual fee for first 4 years
- No joining fee
- Good for startups
- Simple rewards structure
Cons
- No lounge access
- Basic rewards rate
- Limited premium benefits
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