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 2026
Tata Neu Infinity HDFC Bank Credit Card
Joining fee: ₹1499
Annual/Renewal Fee: ₹1499
Up to 10% value-back on Tata Neu spends
8 domestic and 4 international Priority Pass lounge access per year
Product Details
- 5% NeuCoins on all non-EMI spends at Tata Neu & its partner brands
- Additional 5% NeuCoins on select spends at Tata Neu app/website
- 1.5% NeuCoins on UPI, non-Tata brand and merchant EMI spends
- 1,499 NeuCoins after the first spend within 30 days of card issuance
- Low forex markup fee of 2%
IDFC FIRST WOW! Black Credit Card
Joining fee: ₹750
Annual/Renewal Fee: ₹750
Zero foreign exchange markup fee
Up to 50X bonus reward points on travel bookings
Product Details
- Up to 3 reward points per Rs. 150 on UPI spends
- 1% fuel surcharge waiver, up to Rs. 200 per month
- 25% discount on movie tickets, up to Rs. 100 per month, on the District by Zomato mobile app
AU NOMO Credit Card
Joining fee: ₹199
Annual/Renewal Fee: ₹0
Low forex markup fee of 0.99%
2 Reward Points per Rs. 100 on retail purchases
Product Details
- 500 Reward Points on retail spends of Rs. 25,000 in a quarter
- Additional 500 Reward Points on retail spends of Rs. 50,000 in a quarter
- 2 complimentary railway lounge access per quarter
IDFC FIRST EARN Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹499
Up to 8% bonus cashback on travel spends
1% cashback on UPI spends via IDFC FIRST Bank mobile app
Product Details
- 4% bonus cashback on all flight bookings via ‘Travel and Shop’
- 8% bonus cashback on all hotel bookings via ‘Travel and Shop’
- 25% off (Up to Rs. 100) on movie tickets, per month, on District by Zomato
SBM ZET Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹0
5% cashback on Amazon/Flipkart vouchers; 2% on UPI spends
Up to 20% off on Zomato, BookMyShow, Swiggy and Instamart
Product Details
- Up to 15% cashback on 80+ brands, like Dominos, PVR, Nykaa, Cleartrip, etc.
- Up to 7% interest on SBM Bank fixed deposit worth min. Rs. 2,000
- Lifetime-free secured credit card on RuPay network
Kotak811 DreamDifferent Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹0
4 reward points per Rs. 100 spent online
Rs. 1,000 bonus voucher on Rs. 72,000 annual spends
Product Details
- 1 reward point per Rs. 100 spent offline
- 3 months OTTPlay subscription and Rs. 250 Woohoo voucher as welcome benefit
- Fuel and railway surcharge waivers of up to Rs. 3,500 and Rs. 500 respectively every year
- Lifetime-free secured card offered against fixed deposit of min. Rs. 10,000
- Online card application process without any documentation
Axis Bank Privilege Easy Credit Card
Joining fee: ₹1500
Annual/Renewal Fee: ₹1500
10 EDGE reward points for every Rs. 200 spent
10,000 EDGE reward points every year as milestone benefit
Product Details
- Additional 10,000 EDGE reward points worth Rs. 2,000 on spending Rs. 2.5 Lakh in a year
- Up to 15% off on dining at 4,000+ partner restaurants under the Dining Delights Programme
- 1% fuel surcharge waiver (Max. Rs. 400 per month) on transactions between Rs. 400 and Rs. 4,001
Federal SimpliFi Fi Credit Card
Joining fee: ₹0
Annual/Renewal Fee: ₹0
3x rewards on every weekend spends
Up to 20% off on popular brands like Zomato, District by Zomato& BookMyShow on weekends
Product Details
- Earn interest of up to 6.7% p.a.
- 3x rewards on every weekend spends
- 2 Fi-coins on all weekdays spends
- Up to 20% off on popular brands on weekends
Axis Bank MY ZONE EASY Credit Card
Joining fee: ₹500
Annual/Renewal Fee: ₹500
4 EDGE REWARD points per Rs. 200 spent domestically
25% cashback on online and box office movie ticket purchases
Product Details
- 25% cashback on online and box office movie ticket purchases at registered merchants
- 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 4,000, capped at Rs. 400 per month
- 15% off on dining at partner restaurants under the Dining Delights program
BOBCARD Prime
Joining fee: ₹0
Annual/Renewal Fee: ₹0
2 reward points for every Rs. 100 spent
1% fuel surcharge waiver of up to Rs. 250 per month on fuel spends of Rs. 400 to Rs. 5,000
Product Details
- 500 reward points on spending a min. of Rs. 5,000 within 60 days of card issuance
- Insurance of Rs. 15 lakh for air and Rs. 5 lakh for non-air personal accidental death
- 1% fuel surcharge waiver of up to Rs. 250 per month on fuel spends of Rs. 400 to Rs. 5,000
- Card issued against a fixed deposit worth Rs. 30,000 or more
Video: Start Your Credit Journey Smartly with Secured Cards!
Features and Benefits of Top Secured Credit Cards
Read the detailed features and benefits of the top 10 secured credit cards below:
1. TATA Neu Infinity HDFC Secured Credit Card
Annual Fee: Rs. 1,499 + Taxes
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
2. IDFC FIRST WOW! Black Credit Card
Annual Fee: Rs. 750 + Taxes
Minimum FD Amount: Rs. 20,000
Key Features:
- 4 reward points per Rs. 150 spent online and offline
- 3 reward points per Rs. 150 spent on UPI spends above Rs. 2,000
- 1 reward point per Rs. 150 spent on UPI spends below Rs. 2,000
- 1 reward point per Rs. 150 spent on insurance and utility bill payments
- 25% discount on movie tickets, up to Rs. 100 on the District by Zomato mobile app, once per month
- Zero forex markup fee
- 4 complimentary domestic airport lounge visits annually on a minimum monthly spend of Rs. 20,000
3. AU Nomo Credit Card
Annual Fee: Rs. 199 + Taxes
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
4. IDFC FIRST EARN Credit Card
Annual Fee: Rs. 499 + Taxes
Minimum FD Amount: Rs. 5,000
Key Features:
- 1% cashback on UPI spends via IDFC FIRST Bank mobile app
- 0.5% cashback on spends via third-party UPI platforms
- 0.5% cashback on utility, insurance, and wallet loads
- 10% cashback (Up to Rs. 250) on first transaction done within 15 days of card generation
- 5% cashback (Up to Rs. 1,000) on transaction value of first EMI done within the first month
- 25% off (Up to Rs. 100) on movie tickets via District by Zomato, once per month
5. SBM ZET Credit Card
Annual Fee: Nil
Minimum FD Amount: Rs. 2,000
Key Features:
- Up to 20% off on top brands, including Swiggy, Instamart, Zomato and BookMyShow
- 2% cashback on UPI spends
- 5% cashback on Amazon and Flipkart vouchers
- Up to 15% cashback on 80+ brands and platforms, like Dominos, PVR, Nykaa, Cleartrip, etc.
- Up to 7% interest on SBM Bank fixed deposit
6. 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
- Rs. 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
7. Axis Bank Privilege Easy Credit Card
Annual Fee: Rs. 1,500 + Taxes
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
8. 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.
9. Axis My Zone Easy Credit Card
Annual Fee: Rs. 500 + Taxes
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
10. BOBCARD PRIME
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
