SBI Unnati (Secured)
Visa
SBI Unnati (Secured)
SBI Card · Visa
Quick answer
SBI Unnati (Secured) by SBI Card has an annual fee of zero (lifetime free) and APR of 42%. Best for secured and students. Pay the full bill every month — carried balances cost far more than any reward.
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Joining fee
Free
Annual fee
Free
Forex markup
4%
APR
42%/yr
Fee waiver: Free for the first 4 years
What you earn
- 0%1 point per ₹100; ₹500 cashback on ₹50k/yr spend
Welcome: Issued against a fixed deposit — no credit history needed
Lounge access
No domestic lounge access
Who it's for
Minimum income — none needed · no income proof required. For any, student, self-employed.
What's great
- Approved against an FD — anyone can get it
- Builds credit from zero
- No annual fee for 4 years
Watch out for
- Needs an FD as collateral
- Minimal rewards
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 42% a year, carried balances cost far more than any reward here is worth.