Data as of 5 September 2026
Secured cards are issued against a fixed deposit, letting you build or rebuild a credit history in India. FinWiz24 currently tracks 2 active secured cards from BOBCARD, ICICI Bank. Annual fees on this list range from 0, with 1 lifetime-free option. Top reward rates hit 4x on the issuer's accelerated category, with waived-fee versions sitting alongside paid options for readers who would rather not clear a spend threshold. Every card below links to a full review with the issuer's latest fee schedule, reward table, and eligibility criteria, so you can match the card to your spend pattern instead of taking the headline rate at face value. Pick the lineup that overlaps with where you actually spend — fuel, dining, travel, online, or EMI — and verify the eligibility bar before you apply, since minimum income and credit-score requirements differ across issuers. Eligible readers can apply directly through the issuer's site when they are ready.
How to pick a secured card
We currently track 2 secured cards.
The lineup: BOBCARD Prime Credit Card
(lifetime free ); ICICI Secured Credit Card
(₹500/yr )
Compare the annual fee against the reward earn on your highest spend, check the
eligibility bar on each card page, and prefer lifetime-free options when the fee
exceeds a year of expected rewards.
Frequently asked questions
What is the best Secured credit card in India?
FinWiz24 tracks 2 active secured cards across Indian issuers. The best card depends on your top spend category and whether you prefer lifetime-free terms or premium rewards. Use the category filter on /credit-cards/ to compare all options side-by-side.
Are secured credit cards lifetime-free?
Some secured cards are lifetime-free with no annual or joining fee. Others carry an annual fee that is usually waivable on minimum annual spends. Check each card's fee tile on its detail page before applying.
What credit score do I need for a secured card?
Credit score requirements vary by card and issuer. Entry-level secured cards typically require a CIBIL score of 700 or above. Premium cards may require 750+. Each card's eligibility section on its detail page publishes the minimum score where known.
Show 2 more questions
What is the minimum income for a secured credit card?
Income thresholds vary by issuer and card tier. Entry-level cards typically require ₹3–5 lakh per year; premium secured cards may require ₹10–25 lakh per year. Self-employed applicants usually face a higher bar. Check the eligibility tile on each card's page.
How do I choose the right secured credit card?
Identify your primary spend in the secured category, then compare the annual fee against the expected reward earn. Prefer lifetime-free cards if your annual spend would not clear the fee-waiver threshold on a paid card. Use the Compare tool at /compare-credit-cards/ to run a side-by-side analysis.
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