customer-support

Talk to Expert

Sales Enquiry
Call Us: 1800 570 3888
Service Helpline
Call Us: 1800 258 5616

Our Advisors are available 7 days a week, 9:30 am - 6:30 pm to assist you with the best offers or help resolve any queries.

Get the App
get-the-app-mobile
Download the
Paisabazaar app Today!

Get instant access to loans, credit cards, and financial tools — all in one place

get-the-app-qr

Scan to download on

play-app-store
Paisabazaar Logo
Offers on Paisabazaar are only from Credit Institutions regulated by the RBI

Best Secured Credit Cards in India

Home Credit Card Best Secured Credit Cards in India

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
tata-neu-infinity-hdfc-bank-credit-card
3.5/5

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

Shopping
Check Eligibility

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%
Know More

IDFC FIRST WOW! Black Credit Card
idfc-first-wow-black-credit-card
3.5/5

Joining fee: ₹750

Annual/Renewal Fee: ₹750

Zero foreign exchange markup fee

Up to 50X bonus reward points on travel bookings

Travel
Movies
Rewards
Check Eligibility

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
Know More

AU NOMO Credit Card
au-nomo-credit-card
3/5

Joining fee: ₹199

Annual/Renewal Fee: ₹0

Low forex markup fee of 0.99%

2 Reward Points per Rs. 100 on retail purchases

Rewards
Check Eligibility

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
Know More

IDFC FIRST EARN Credit Card
idfc-first-earn-credit-card
3/5

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

Movies
Cashback
Check Eligibility

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
Know More

SBM ZET Credit Card
zet-credit-card
3/5

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

Cashback
Online Shopping
Check Eligibility

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
Know More

Kotak811 DreamDifferent Credit Card
811-dreamdifferent-credit-card
3/5

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

Rewards
Online Shopping
Check Eligibility

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
Know More

Axis Bank Privilege Easy Credit Card
privilege-easy-credit-card
3/5

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

Rewards
Check Eligibility

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
Know More

Federal SimpliFi Fi Credit Card
simplifi-fi-credit-card
3/5

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

Shopping
Rewards
Check Eligibility

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
Know More

Axis Bank MY ZONE EASY Credit Card
my-zone-easy-credit-card
3/5

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

Movies
Rewards
Check Eligibility

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
Know More

BOBCARD Prime
prime-credit-card
3/5

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

Rewards
Check Eligibility

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
Know 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

Tata Neu Infinity HDFC Bank 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

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

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

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

Axis Bank My Zone 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

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

More about Secured Credit Cards

Features of Secured Credit Cards
Who Should Apply for Secured Credit Cards?
How to Apply for a Secured Credit Card?
How to Build Credit With a Secured Credit Card?
FAQs

Features of Secured Credit Cards

Secured credit cards are different from traditional credit cards. Those who fail to get credit cards approved can opt for secured credit cards that come with the following features:

100% Approval: As secured cards are issued against FDs, the approval of the credit card is guaranteed even if you have a poor credit score

Less/No Documentation: Secured credit cards require less or no paperwork or submission of documents as details are pre-fetched from the existing FD

Instant Credit Card: In most cases, cardholders get to use these credit cards instantly as the provider issues a virtual credit card as soon as the FD is booked.

Up to 100% Credit Limit: Most banks offer secured credit cards with a credit limit of 80%-100% of the FD amount. Cardholders can also increase their credit card limit by making additional deposit amounts.

Helps in Building Credit History: People with no or low credit score can use this credit card to build or improve their credit score. A good credit score can help in getting credit applications approved without much difficulty in the future.

Interest on FD: Cardholders can use the credit card for expenses and keep on earning interest on FDs as usual at the same time.

Quick and Easy Process: Secured credit cards do not require additional inquiries of your credit history. It makes them a preferred choice for people who want to build up their credit.

Customized Fixed Deposit Amount:The amount of fixed deposit is quite affordable as it varies from Rs. 10,000 to Rs. 65,000. Consumers who wish to rebuild their credit can begin with a small FD to avail a secured credit card.

Who Should Apply for Secured Credit Cards?

Secured credit cards can be a good choice for the following:

  • Individuals with entry-level jobs
  • Retired people with no regular income
  • Individuals to whom banks are not offering unsecured cards
  • Individuals who do not have income proof, but need a credit card
  • Individuals who have a poor credit score and want to rebuild their credit

How to Apply for a Secured Credit Card?

To apply for a secured credit card from Paisabazaar, follow the steps given below:

  • Enter your mobile number and verify with OTP
  • Check the credit card offers available on your profile
  • Choose a secured credit card
  • Provide additional KYC details like PAN, Aadhaar, etc.
  • You will be redirected to the respective issuer’s website where you need to open a Fixed Deposit
  • Once approved, your credit card will be delivered to your registered mailing address within 5-7 working days

Suggested Read: How Pre-approved Credit Cards Work?

How to Build Credit With a Secured Credit Card?

Consumers can build credit by ensuring responsible usage on their secured credit cards. Here are few practices to follow:

Pay Your Dues Timely: Repayment history has the highest impact on your credit score. If you do not make your bill payments on or before the due date, it shows up in the Days Past Due (DPD) section of your credit report and negatively affects your score. Hence, always pay your dues timely.

Pay Total Amount Due: While paying minimum due helps you avoid negative impact on your credit profile, the remaining amount starts attracting finance charges and new transactions will also be ineligible for the interest-free period. This can lead to a debt spiral and add to your debt, ultimately affecting your credit health.

Maintain Low CUR: Credit Utilization Ratio (CUR) shows the percentage of your total credit that you are currently using. A low CUR indicates lower dependency on credit and works in favour of your score. Hence, you should try not to exhaust the entire available limit on your card and maintain a low to moderate CUR.

Avoid Cash Withdrawal: When you withdraw cash from an ATM using your credit card, interest charges start accruing from the first day. Such transactions also make your new spends ineligible for the free credit period, which can again start a debt spiral.

FAQs

What is a secured credit card?

A secured credit card is offered against a fixed deposit with up to 90% of the deposit amount offered as credit limit. They work in the same way as unsecured cards with the only difference being in case of defaults wherein the card issuer can recover the amount using the consumer’s fixed deposit.

Who is eligible for a secured credit card?

Usually, secured credit cards are offered to anyone who opens a fixed deposit with the bank. This is the reason why secured cards stand as the best options for individuals with poor credit score and new-to-credit consumers who are not eligible for unsecured options.

What is the minimum deposit required?

The deposit amount for secured credit cards starts as low as Rs. 2,000.

Will using a secured credit card improve my credit score?

Yes. Using a secured credit card responsibly over a period can help improve your credit score. In order for secured cards to work in favour of your credit, you must make all bill payments in full and on time.

Are there fees associated with secured credit cards?

Yes. Like regular unsecured cards, secured credit cards also come with joining and annual fee, which varies as per the card variant. Other fees and charges like late payment penalty, over limit fee, finance charges, forex mark-up fee, etc. will also be applicable.

How can I change a secured credit card to an unsecured card?

Once you maintain a good repayment pattern and show responsible credit behaviour, you can try applying for an unsecured card from the same issuer. However, the approval depends on a lot of factors and internal policies of the bank.

Can I increase my credit limit on a secured card?

Since the credit limit on secured credit cards is linked to the fixed deposit amount, issuers generally do not offer a limit higher than the deposit amount.

Which secured credit card gives the highest limit?

Currently, IDFC FIRST Earn Credit Card offers up to 100% of the deposit amount as credit limit. However, this may vary on case to case basis.

What is required to open a secured credit card?

To open a secured credit card, you must first open a fixed deposit with the bank. For this, you will need KYC documents like PAN, Aadhaar, etc. The bank may also ask additional documents such as bank statement, etc.

What to do if you are denied a Secured Credit Card?

If you open a fixed deposit account with the issuing bank, it is highly unlikely that your secured credit card application will be rejected. To avoid rejection, you should try applying for a secured card with a bank where you already have a salary or savings account.

How do I close a secured credit card?

To close a secured credit card, you can speak with the respective bank’s customer support. Remember, closing the card does not mean the termination of your fixed deposit account. The FD will remain active as long as you do not close it.

Menu