Axis Bank
Data verifiedAxis Bank Insta Easy
Secured against a fixed deposit with instant approval and no income documentation.
6 EDGE points per ₹200Lounge access
Annual fee
Lifetime free
SBI Card · Visa
SBI Card Unnati
Issued against a fixed deposit, so approval works even with no credit history.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Lifetime free — no joining or annual fee.
- No spend condition to keep the card active.
- Headline earn rate: 1 pt per ₹100.
- No complimentary airport lounge access on this card.
Also worth comparing for fd-backed first card
IDFC FIRST Bank
Data verifiedIDFC FIRST Classic
The easiest IDFC card to get approved for, with no fee and never-expiring points.
Up to 10x reward points
Annual fee
Lifetime free
Kotak Mahindra Bank
Data verifiedKotak 811 #DreamDifferent
Lifetime-free card issued against a fixed deposit for people with no credit file.
2 pts per ₹100
Annual fee
Lifetime free
Ready to apply for the SBI Card Unnati?
Takes under a minute. We hand you off to SBI Card's official secure application — no middlemen, no data resold.