Looking to build your credit score or get a credit card without income proof? Secured credit cards in India are a smart solution. Backed by a fixed deposit, these cards offer all the benefits of regular credit cards while helping you develop a strong credit history. Whether you’re a student, a first-time user, or someone with a low CIBIL score, the best secured credit cards give you a second chance to prove your creditworthiness. In this blog, we’ll explore the best secured credit card in India that offer great rewards, low fees, and flexible features. If you’re searching for the best secured credit card India has to offer, you’re in the right place.
Top 10 Best Secured Credit Cards In India August 2025
| Card Name | Why It’s Secured (4–5 words) | Explore |
|---|---|---|
| SBI Card Unnati | Linked to fixed deposit | Explore More! |
| IDFC FIRST WOW! Credit Card | FD-based zero annual fee | Explore More! |
| Kotak 811 #DreamDifferent Credit Card | Card against fixed deposit | Explore More! |
| ICICI Bank Instant Platinum Credit Card | Secured via ICICI FD | Explore More! |
| Axis Bank Insta Easy Credit Card | Based on Axis Bank FD | Explore More! |
| Suryoday RuPay Platinum Secured Credit Card | Credit card against FD | Explore More! |
| SBI Advantage Plus Credit Card | Backed by fixed deposit | Explore More! |
| Bank of Baroda Prime Credit Card | Issued against your FD | Explore More! |
| IDBI Imperium Platinum Credit Card | Secured with IDBI Bank FD | Explore More! |
| AU Bank Altura Plus Credit Card (Secured) | FD-based easy approval | Explore More! |
1. SBI Card Unnati
When it comes to the best secured credit card options in India, the SBI Card Unnati stands out for its simplicity and benefits. Designed especially for beginners and those with no or low credit score, this card is issued against a fixed deposit, making it one of the good secured credit cards for building or rebuilding your credit profile.
What makes SBI Card Unnati unique is that it comes with no annual fee for the first four years, which is rare among secured credit cards. You can get this card by opening a fixed deposit of just ₹25,000 at any SBI branch. Once issued, it works just like a regular credit card, giving you access to cashless payments, online transactions, and reward points.
Key Features
- No annual fee for 4 years
- Issued against a minimum FD of ₹25,000
- Reward points on every purchase
- Accepted across millions of outlets worldwide
- Helps you build your credit score safely
Whether you’re a student, freelancer, or someone new to credit, the SBI Card Unnati is one of the best secured cards to start your credit journey. If you’re looking for secured credit cards best suited for beginners, this is definitely one to consider.
2. IDFC FIRST WOW! Credit Card
If you’re looking to compare secured credit cards in India, the IDFC FIRST WOW! Credit Card deserves a top spot. Launched as a zero-annual-fee secured card, it’s designed for those who want to build their credit score responsibly without worrying about high charges. Backed by a fixed deposit, this card is issued without any income proof — making it one of the safest and most accessible options for beginners.
This card is especially useful as a credit build card. It offers all the regular credit card benefits — like EMI conversion, fuel surcharge waiver, and discounts — while helping you build or rebuild your credit profile with ease. And since it’s issued by one of the most trusted private banks, many consider IDFC FIRST Bank as the best bank to get a secured credit card.
Key Features
- Zero joining and annual fees for life
- Issued against a fixed deposit starting at ₹5,000
- Up to 4X rewards on spends
- Fuel surcharge waiver and EMI options
- Safe and secure digital onboarding process
As we head into 2025, the IDFC FIRST WOW! Credit Card ranks among the best secured credit card 2025 options for people who want safety, savings, and steady credit growth. It’s truly one of the safest credit card choices available today for responsible credit building.
3. Kotak 811 #DreamDifferent Credit Card
The Kotak 811 #DreamDifferent Credit Card is one of the most popular choices for those who want to build credit fast without traditional income proof. Backed by a fixed deposit, this secured credit card is easy to get and helps you start your credit journey on the right foot.
If you’re searching for the best secured credit card to build credit fast, this one checks all the boxes. It’s especially useful for students, self-employed individuals, or anyone with a limited credit history. As part of the top 10 best secured credit cards in India, it not only helps you improve your credit score but also gives you great lifestyle benefits like fuel surcharge waivers and reward points.
Key Features
- No income proof required – just a fixed deposit of ₹10,000 or more
- Earn reward points on every ₹100 spent
- Fuel surcharge waiver up to ₹3,500 annually
- Interest-free period of up to 48 days
- Accepted globally across all merchant outlets
This card is a great pick if you’re comparing credit cards for building credit. Whether you’re just starting out or trying to bounce back from a low credit score, the Kotak 811 #DreamDifferent Card is among the top secured cards for easy approval and fast results.
4. ICICI Bank Instant Platinum Credit Card
If you’re building a list of secured credit cards in India, the ICICI Bank Instant Platinum Credit Card is a must-include. It’s designed for people who may not qualify for a regular credit card but want the same set of features and benefits. Backed by a fixed deposit starting at just ₹20,000, this card is one of the most convenient options for first-time users.
It’s especially ideal as the best secured credit card for students or young professionals who are just starting to build their credit history. With zero annual fees and wide acceptance, it gives users a secure way to spend while gradually boosting their CIBIL score.
As one of the products from most secure credit card companies in India, ICICI Bank ensures a smooth and transparent experience. While this card does require a deposit, it’s one of the most trusted options for those who don’t have income proof.
Key Features
- Issued against a fixed deposit of ₹20,000 or more
- Lifetime free card – no annual or joining fees
- Fuel surcharge waiver and reward points on every transaction
- Accepted at millions of outlets across India and abroad
- Easy to manage via the ICICI iMobile or Internet Banking
Though not a secured credit card with no deposit, it offers maximum value for the deposit made. With strong backing from ICICI Bank, it’s a dependable choice for anyone starting their credit journey in India.
5. Axis Bank Insta Easy Credit Card
The Axis Bank Insta Easy Credit Card is one of the best and safest credit card options for people looking to rebuild or start their credit journey. It’s a secured credit card issued against a fixed deposit with Axis Bank, which means you don’t need income proof or a high credit score to get approved.
This card is considered one of the top secured card choices in India because of its flexibility and strong customer support. Whether you’re recovering from a poor credit history or applying for your first card, the Axis Insta Easy Credit Card offers a dependable way to improve your credit score steadily.
If you’re making a list of the top ten secured credit cards, this one deserves a spot for sure. With features like global acceptance, EMI conversion, and zero annual fee (based on spending), it’s a good secured credit card for everyday use.
Key Features
- Issued against a fixed deposit starting from ₹20,000
- Global acceptance at Visa-enabled outlets and ATMs
- Convert big spends into EMIs easily
- Interest-free period of up to 50 days
- No annual fee if you spend over a certain amount annually
When it comes to the best credit cards to rebuild credit, the Axis Bank Insta Easy card combines trust, safety, and functionality — making it a smart pick for anyone serious about financial recovery or credit building.
6. Suryoday Small Finance Bank RuPay Credit Card
If you’re exploring the list of secured credit card options in India, the Suryoday Small Finance Bank RuPay Credit Card is a hidden gem. Issued against a fixed deposit, this card is perfect for beginners, students, or anyone with a low credit score looking to rebuild their financial profile. It offers a no-frills, low-cost entry into the world of credit cards with a strong focus on credit improvement.
This card helps answer a common question: what is a secured credit card?
A secured credit card is one that is backed by a fixed deposit — meaning your credit limit is linked to the deposit you make. It’s a safe way to start building credit, as the bank takes no risk, and you get full credit card functionality.
The Suryoday RuPay Credit Card is often chosen as one of the best cards to rebuild credit because it’s easy to get, doesn’t require income proof, and works across RuPay-enabled platforms.
Key Features
- Issued against a fixed deposit starting at ₹10,000
- Works on the RuPay network – domestic transactions only
- Simple onboarding process through the bank
- No income documents needed
- Minimal fees and charges
If you’re looking for a free secured credit card or a low-cost one, this card is one of the most affordable secured credit cards available. It’s ideal for people who want to get started without high annual fees or complex processes.
7. Bank of Baroda Prime Credit Card
The Bank of Baroda Prime Credit Card is a solid choice if you’re looking for a reliable secured credit card to build or rebuild your credit score. This card is issued against a fixed deposit, so you don’t need to show income proof or have a high credit rating to qualify. It’s a safe way to get started with credit and enjoy all the features of a regular credit card.
Among the best secured cards in India, the Bank of Baroda Prime Credit Card stands out for its low joining fee and straightforward benefits. Whether you’re a student, self-employed, or someone with limited credit history, this card can help you build a positive repayment track record easily.
If you’re comparing secured credit cards best suited for first-time users, this one deserves your attention because it offers security, convenience, and wide acceptance without hidden costs.
Key Features
- Issued against a fixed deposit starting at ₹15,000
- Zero annual fee in the first year
- Earn 1 reward point for every ₹100 spent
- Accepted across India and abroad
- Simple application process through Bank of Baroda branches
For anyone searching for good secured credit cards, the Bank of Baroda Prime Credit Card combines trust, affordability, and all the essential features you need to start building your credit profile confidently.
8. IDBI Bank Imperium Platinum Credit Card
The IDBI Bank Imperium Platinum Credit Card is another smart option in the secured credit card India market. Designed for individuals with no credit history or those looking to improve their credit score, this card is issued against a fixed deposit, making it a safe and accessible financial tool.
If you’re trying to compare secured credit cards, the IDBI Imperium stands out for its minimal fees, easy approval process, and decent set of benefits. It functions just like a regular credit card and is especially useful as a credit build card for first-time users, students, or self-employed professionals.
This card is backed by one of the country’s trusted government-sector banks, making it a reliable choice if you’re seeking the safest credit card to start your credit journey.
Key Features
- Issued against a minimum fixed deposit of ₹20,000
- Zero annual and joining fee
- Earn reward points on every purchase
- EMI conversion available on large spends
- Global acceptance at Visa-enabled outlets
With its low barrier to entry and essential credit-building features, the IDBI Imperium Platinum is expected to be among the best secured credit card 2025 options for those who want a no-hassle experience. IDBI also earns points as one of the best banks to get a secured credit card from, thanks to its straightforward application process and government backing.
9. SBI Advantage Plus Credit Card
If you’re looking for the best secured credit card in India that offers a mix of safety, rewards, and easy approval, the IDBI Bank Imperium Platinum Credit Card is worth considering. It’s a great choice for people with no credit history or a low credit score. Backed by a fixed deposit, it functions like a regular credit card and helps users start building or improving their credit score responsibly.
When you compare secured credit cards, this one stands out for having zero annual fees, a simple application process, and reliable customer support. As one of the few government-sector banks offering secured cards, IDBI is considered among the best bank to get a secured credit card from, especially for first-time credit users.
The card is also featured in many financial experts’ top 10 best secured credit cards list because it helps users quickly gain control of their credit profile. It’s perfect as a credit build card and ideal for students, freelancers, and homemakers.
Key Features:
- Issued against a fixed deposit (FD) starting at ₹20,000
- No joining or annual fees
- Earn reward points on everyday spending
- EMI facility on large purchases
- Accepted worldwide on the Visa platform
As part of the growing range of secured credit card India offers, the IDBI Imperium Platinum is a smart, risk-free way to enter the credit world. Whether you’re trying to recover from a low credit score or just getting started, this is among the best secured credit card India has for those who want to build credit fast without the stress of income proof or hidden charges.
10. AU Bank Altura Plus Credit Card (Secured Variant)
The AU Bank Altura Plus Credit Card (Secured Variant) is a great option for those who want to enjoy premium credit card benefits while rebuilding or starting their credit journey. If you’re wondering what is a secured credit card, it’s a card issued against a fixed deposit (FD), making it a safe and accessible way to get credit — even without income proof or a high credit score.
This AU Bank card is known for its easy approval, making it one of the most good credit cards for bad credit holders. Whether you’re a student, a homemaker, or someone recovering from a financial setback, the Altura Plus Secured Card offers a smooth entry into the world of credit.
As a credit secured card, it is packed with useful features like cashback, reward points, and fuel surcharge waivers — making it both practical and rewarding.
Key Features
- Issued against a fixed deposit, with approval in just a few steps
- Earn 2% cashback on retail spends above ₹100
- Fuel surcharge waiver up to ₹100 per month
- Milestone benefits and reward points on spends
- Accepted worldwide (Visa platform)
If you’re wondering how to obtain a secured credit card, the process is simple: open a fixed deposit with AU Small Finance Bank, apply for the Altura Plus Secured Card, and get instant approval.
This is also considered one of the best credit card against fixed deposit in India, offering top-class features while helping users build or repair their credit history with confidence.
What is HDFC secured credit card and how to apply?
HDFC secured credit cards are issued against fixed deposits and are ideal if you want to apply for a secured credit card with easy approval.
How does Axis Bank secured credit card work?
Axis secured credit cards are linked to your FD and help build credit; they’re a good option if you’re looking for a free secured credit card.
What is SBI secured credit card used for?
SBI offers secured credit cards against FDs—perfect for credit building; just apply for a secured credit card online and get started.
How can I get a Kotak secured credit card?
To get a Kotak secured credit card, open an FD with Kotak and apply for a secured credit card to build credit securely.
Is IDFC secured credit card good for beginners?
Yes, IDFC secured credit card is one of the top free secured credit cards in India and great for credit starters.
What is SBM Bank secured credit card?
SBM Bank offers digital-first credit secure cards to help users with low credit or no credit start building a credit profile.
How does AU Bank secured credit card benefit new users?
AU Bank secured credit cards are backed by fixed deposits and offer easy approval—great for those asking “what is secured credit card” and how to get one.
Trending Credit Cards In India July 2025
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