SBI Unnati Credit Card 2025
Lifetime Free
FD Based Approval
1% Fuel Waiver
No Income Proof
Build credit score with ₹0 fees + FD security + fuel waiver!
Best secured card! SBI Unnati is lifetime free, issued against fixed deposit, no income proof required, and offers 1% fuel surcharge waiver.
Perfect for beginners & credit building!
Why Choose SBI Unnati in 2025?
Lifetime free • FD based • No income proof • 1% fuel waiver • Builds credit score
Best for: Students, housewives, low income, first-time users
Card At a Glance
Joining Fee
₹0 (Lifetime Free)
₹0 (Lifetime Free)
Annual Fee
₹0 (Never)
₹0 (Never)
Reward Rate
1 Reward/₹100
1 Reward/₹100
Lounge Access
None
None
Forex Markup
3.5%
3.5%
Fuel Waiver
1%
1%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Never Charged) |
| Reward Points | 1 per ₹100 |
| Forex Markup | 3.5% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (₹500-₹3,000) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 1 reward point per ₹100 spent
- 1 RP = ₹0.25
- Redeem for vouchers or statement credit
- Upgrade to regular card after 4 years good usage
Airport Lounge Access
No complimentary lounge access
Insurance & Protection Benefits
- ₹1 Lakh lost card cover
- Zero lost card liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| Lifetime FREE | Secured (FD required) |
| 100% approval | No lounge access |
| No income proof | Low reward rate |
| 1% fuel waiver | Credit limit = 80% of FD |
| Builds credit score |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum FD: ₹25,000
- No income proof needed
- Documents: PAN, Aadhaar only
How to Apply Online (3-Minute Process)
- Visit SBI Card website
- Select Unnati → Apply
- Open FD online (₹25,000+)
- Fill PAN & Aadhaar
- Instant approval + card in 7 days
Final Verdict – Should You Get It in 2025?
Best credit builder card! Lifetime free + 100% approval + fuel waiver. Perfect to start your credit journey!
Frequently Asked Questions (FAQs)
Really no fees?
Yes! Lifetime free guaranteed.
100% approval?
Yes! If you open ₹25,000+ FD.
No income proof?
Yes! Only PAN & Aadhaar.
FD money locked?
Earns interest, withdraw anytime after card closure.
Can upgrade later?
Yes! To regular SBI card after 4 years.