ICICI Bank
ICICI Secured Credit Card
Credit card against your FD
₹500/yr annual fee
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
Annual fee
₹500/yr
Reward rate
Not published
Min. income
₹2,00,000
Forex markup
Not published
Lounge access
None
Eligibility
Not published
Reward cap
No published cap
Welcome benefit
None beyond the reward rate
ICICI's secured card is issued against a fixed deposit of Rs 50,000 or more, giving up to 90% of the FD as credit limit in Instant Platinum or Coral variants.
Who is this for
- Building credit history
What we like
- 90% of FD as limit
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹500 | Not waivable |
| Annual fee | ₹500 | Waived on annual spends ≥ ₹1,50,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | Not published | — | — |
Benefits
-
90% of FD as limit Highlight
Get up to 90% of the pledged ICICI Bank fixed deposit as the card credit limit
-
FD keeps earning
The collateral FD continues to earn interest at prevailing rates while backing the card
-
Two variants
Choose the ICICI Bank Instant Platinum or ICICI Bank Coral card against the FD; instant issuance via iMobile/Net Banking
-
Credit building
Designed for customers qualifying on FD collateral rather than income assessment, to build credit history
Eligibility
- Documents
- Open an ICICI Bank FD of at least Rs 50,000 with minimum 180-day tenure in auto-renewal mode; maximum one secured card per customer. Fees follow the chosen card variant (Coral: Rs 500+GST joining/annual).
Benefits
- 90% of FD as limit: Get up to 90% of the pledged ICICI Bank fixed deposit as the card credit limit
- FD keeps earning: The collateral FD continues to earn interest at prevailing rates while backing the card
- Two variants: Choose the ICICI Bank Instant Platinum or ICICI Bank Coral card against the FD; instant issuance via iMobile/Net Banking
- Credit building: Designed for customers qualifying on FD collateral rather than income assessment, to build credit history
Eligibility
Open an ICICI Bank FD of at least Rs 50,000 with minimum 180-day tenure in auto-renewal mode; maximum one secured card per customer. Fees follow the chosen card variant (Coral: Rs 500+GST joining/annual).
Terms last reviewed 3 Sept 2026 against issuer-published schedules.
Issuer: ICICI Bank. FinWiz24 may earn a commission from application links; scoring is unaffected — see our affiliate disclosure.
Apply for ICICI Secured Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
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