Expert Selection 2026
Best Credit Cards for Secured Credit Cards
Credit cards backed by a fixed deposit, ideal for building or repairing credit scores with no income proof required.
Recommended Cards (4)
Top Choice
KOTAK MAHINDRA BANK LTD
Kotak 811 #DreamDifferent
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Railway surcharge waiver
- Fuel surcharge waiver
- Forex markup of 2% (effective April 15, 2024 for new cardholders)
IDFC FIRST BANK LTD
IDFC FIRST WOW! Credit Card
Excellent
Expert Score5.0
Joining Fee
₹0
Annual Fee
₹0
- Secured credit card backed by deposits
- Lifetime free card
- Suitable for students/those without credit history
INDUSIND BANK LTD
IndusInd Bank Pioneer Heritage Credit Card
Excellent
Expert Score5.0
Joining Fee
₹90,000
Annual Fee
₹90,000
- Excellent golf benefits
- NonBOGO movie offers
- Dining vouchers twice a year
INDUSIND BANK LTD
IndusInd Bank Avios Visa Infinite Credit Card
Excellent
Expert Score5.0
Joining Fee
₹40,000
Annual Fee
₹10,000
- 5X Avios on every ₹200 spent at preferred international destinations
- Discounted forex markup of 1.5% on international transactions
- Up to 50,000 bonus Avios milestone benefits annually
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