SBI Card
Data verifiedSBI Card Unnati
Issued against a fixed deposit, so approval works even with no credit history.
1 pt per ₹100
Annual fee
Lifetime free
SBM Bank India · Visa
SBM Bank Secured Visa Card
Fully FD-backed card designed for credit building, with cashback on everyday spend.
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% cashback.
- No complimentary airport lounge access on this card.
Also worth comparing for building credit from zero
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
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
Ready to apply for the SBM Bank Secured Visa Card?
Takes under a minute. We hand you off to SBM Bank India's official secure application — no middlemen, no data resold.