SBI Unnati (Secured)
Visa
SBI Unnati (Secured)
SBI Card · Visa
Quick answer
SBI Unnati (Secured) by SBI Card has an annual fee of ₹499 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
₹499
Forex markup
4%
APR
42%/yr
Fee waiver: Free for the first 4 years; ₹499 a year from year 5
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.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
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.