Build your credit score with secured credit cards in India. Compare fixed deposit requirements.
✅ Rankings updated: March 2026🏆 Ranked by: reward rate, fee value, real-world usability — not paid partnerships📋 Data verified against official bank websites
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How we rank: Cards are ordered by overall value score — a weighted formula combining reward rate, annual fee, joining fee waiver, lounge access, and real-world usability for Indian spending habits. The #1 card genuinely offers the best combination for most people in this category.
⭐ #1 IN THIS CATEGORY
•••• 1234
SBI Card
SBI Card Unnati
SBI Card
securedlifetime-free
Annual Fee: Free (if FD ≥ ₹25,000)
Joining Fee: Free
🎁 1 Reward Point per ₹100; access against fixed deposit
✅ Best for: Individuals without credit history wanting to build CIBIL score
What is the best Secured credit card in India for 2026? ＋
The best card depends on your spending habits and income. Use our rankings above — they're updated monthly based on actual reward rates, fees, and benefits.
Are the rankings paid or sponsored? ＋
No. We never accept payment to rank a card higher. Rankings are based on objective criteria: reward rate, fee value, benefits, and real-world usability.
How do I apply for a Secured credit card? ＋
Click "Apply Now" on any card — it takes you directly to the bank's official application page. You'll need PAN card, income proof and address proof ready.
What credit score do I need? ＋
Most credit cards require a CIBIL score of 700+. Premium cards may need 750+. If you're building credit, start with a secured or lifetime-free card.