Secured credit cards are among the best options for new-to-credit consumers to begin their credit journey as well as for those who have a poor credit score and want to rebuild it. Secured by fixed deposits, these cards work the same way as regular unsecured cards; you can use them for online and offline transactions. The only difference is that, in the case of secured credit cards, if the user defaults, the card issuer will recover the amount through the fixed deposit.
Almost all leading credit card issuers like HDFC Bank, SBI Card, Axis Bank and ICICI Bank offer one or more secured credit cards. Some of these are also available on the Rupay network, allowing users to make UPI payments. With so many options available, choosing the right secured credit card could be confusing. To help you begin your search, here are some of the best secured credit cards in India.
Best Secured Credit Cards in India for 2025
| Credit Card | Annual Fee | Min/Max FD Amount | Key Feature |
| Axis Bank Privilege Easy Credit Card | Rs. 1,500 | Minimum: Rs. 65,000 Maximum: Rs. 25 Lakh |
10 reward points per Rs. 200 spent |
| TATA Neu Infinity HDFC Secured Credit Card | Rs. 1,499 | NA | Up to 10% saving on Tata Neu Partner Brands |
| Axis My Zone Easy Credit Card | Rs. 500 | Minimum: Rs. 15,000 Maximum: Rs. 25 Lakh |
25% cashback on movies |
| TATA Neu Plus HDFC Secured Credit Card | Rs. 499 | NA | Up to 7% saving on Tata Neu Partner Brands |
| SBI Card Unnati | Free for first 4 years
Rs. 499 (5th year onwards) |
Minimum: Rs. 25,000 | 1 reward point per Rs. 100 spent |
| AU Nomo Credit Card | Rs. 199 | Minimum: Rs. 20,000 | 2 reward points per Rs. 100 spent |
| IDFC FIRST WOW Credit Card | Nil | Minimum: Rs. 20,000 | 4X rewards on travel spends |
| Kotak 811 #DreamDifferent Credit Card | Nil | Minimum: Rs. 10,000 | 4X rewards on online spends |
| Simplifi Fi Federal Credit Card | Nil | Minimum: Rs. 15,000 | 3X rewards on weekend spends |
| Bank of Baroda PRIME Credit Card | Nil | Minimum: Rs. 30,000 | 2 reward points per Rs. 100 spent |
Features and Benefits of Top Secured Credit Cards
Read the detailed features and benefits of the top 10 secured credit cards below:
1. Axis Bank Privilege Easy Credit Card
Annual Fee: Rs. 1,500
Minimum FD Amount: Rs. 65,000
Key Features:
- Welcome benefit of 12,500 reward points redeemable against vouchers worth Rs. 2,500
- Milestone benefit of 10,000 reward points redeemable against vouchers worth Rs. 2,000
- 2 domestic airport lounge access per quarter
- 10 reward points per Rs. 200 spent
- Brand discounts under the Wednesday Delight Offer
Check Top Credit Cards in India!
2. TATA Neu Infinity HDFC Secured Credit Card
Annual Fee: Rs. 1,499
Key Features:
- 5% back as NeuCoins on non-EMI purchases made with partner Tata Brands
- Additional 5% back on select categories through the Tata Neu App or website
- 5% back as NeuCoins on spends beyond Tata ecosystem, including merchant EMI transactions and UPI spends (on Rupay Variant)
- Up to 8 complimentary domestic airport lounge visits in a year on spending Rs. 50,000 or more in a calendar quarter
- Up to 4 complimentary international airport lounge visits in a year
3. Axis My Zone Easy Credit Card
Annual Fee: Rs. 500
Minimum FD Amount: Rs. 15,000
Key Features:
- 4 reward points for every Rs. 200 spent
- 25% cashback on online and offline movie ticket purchases
- Up to 15% off on dining at partner restaurants
- Brand discounts under the Wednesday Delight Offers
- 1% fuel surcharge waiver up to Rs. 400 per month
4. TATA Neu Plus HDFC Secured Credit Card
Annual Fee: Rs. 499
Key Features:
- 499 NeuCoins on joining
- 2% back as NeuCoins on non-EMI purchases made with partner Tata Brands
- Additional 5% back on select categories through the Tata Neu App or website
- 1% back as NeuCoins on spends beyond Tata ecosystem, including merchant EMI transactions and UPI spends (on Rupay Variant)
- Up to 4 complimentary domestic airport lounge visits in a year on spending Rs. 50,000 or more in a calendar quarter
5. SBI Card Unnati
Annual Fee: Rs. 499 from 5th year onwards (free for the first 4 years)
Minimum FD Amount: Rs. 25,000
Key Features:
- 1 reward point for every Rs. 100 spent
- 500 cashback on spending Rs. 50,000 or more in a year
- 1% fuel surcharge waiver up to Rs. 100 per month
6. AU Nomo Credit Card
Annual Fee: Rs. 199
Minimum FD Amount: Rs. 20,000
Key Features:
- Welcome benefit of 500 reward points on making the first transaction within 30 days of card activation
- 2 reward points for every Rs. 100 spent
- 1 reward point for every Rs. 100 spent on utility and insurance
- 500 reward points on spending Rs. 25,000 in a quarter
- 500 additional reward points on reaching quarterly spends of Rs. 50,000 or more
- Low forex mark-up fee of 0.99%
- 2 complimentary domestic lounge visits per quarter on reaching quarterly spends of Rs. 20,000 or more
- 2 complimentary railway lounge visits per quarter
- 1% fuel surcharge waiver up to Rs. 100 per month
7. IDFC FIRST WOW Credit Card
Annual Fee: Nil
Minimum FD Amount: Rs. 20,000
Key Features:
- 4X rewards on travel spends
- Zero forex mark-up fee
- Digital card issued instantly
- 100% of the FD amount offered as credit limit
8. Kotak 811 #DreamDifferent Credit Card
Annual Fee: Nil
Minimum FD Amount: Rs. 10,000
Key Features:
- 4 reward points for every Rs. 100 spent online
- 1 reward point per Rs. 100 across other eligible categories
- Rupay card offering rewards on UPI spends
- 250 voucher on spending Rs. 36,000 in a year
- 1,000 voucher on spending Rs. 72,000 in a year
- Interest-free cash withdrawal of up to 90% of the available limit
- 1% fuel surcharge waiver up to Rs. 3,500 per year
9. Simplifi Fi Federal Credit Card
Annual Fee: Nil
Minimum FD Amount: Rs. 15,000
Key Features:
- 2 Fi-Points on every Rs. 100 spent on weekends
- 1 FI-Point per Rs. 100 on weekday spends
- 90% of the FD amount offered as credit limit
- Up to 20% off on weekend spends across select brands like Zomato, BookMyShow, etc.
10. Bank of Baroda PRIME Credit Card
Annual Fee: Nil
Minimum FD Amount: Rs. 30,000
Key Features:
- 500 reward points as welcome bonus on spending Rs. 5,000 or more within 60 days of card activation
- 2 reward point for every Rs. 100 spent
- 1 reward point = Rs. 0.20
- 1% fuel surcharge waiver of up to Rs. 250 per statement cycle
