🔒 Secured Credit Card

Build Your Credit Score
Starting Today

A secured credit card backed by your fixed deposit. No income proof needed. Your FD earns interest while your credit score grows.

FD from ₹5,000

No income proof

Boosts CIBIL score

FD earns interest

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How It Works

Place a Fixed Deposit

Open an FD with the partnered bank — minimum ₹5,000 to ₹25,000 depending on the lender.

Card Issued Instantly

The bank issues a credit card with a limit of 80–90% of your FD amount.

Use & Repay Regularly

Use the card for everyday purchases and pay bills on time every month.

Score Improves

CIBIL score typically improves within 6–12 months, qualifying you for unsecured cards and loans.

Key Benefits

🏦

FD-Backed Security

Card is issued against a fixed deposit you place with the bank — your FD continues to earn interest.

📈

Build Credit Score

Regular usage and timely payments rapidly improve your CIBIL score, opening doors to future loans.

📋

No Income Proof

Approval based on your FD amount, not salary slips or ITR — ideal for homemakers, students, and freelancers.

💰

FD Earns Interest

Your fixed deposit continues earning 6–7% p.a. while your card limit is 80–90% of the FD value.

Who Should Apply?

🎓

First-time credit users

Students or young professionals with no credit history who want to build their CIBIL score.

🔄

Credit score rebuilders

Those who have had defaults or NPA in the past and want to re-establish creditworthiness.

🏠

Homemakers & retirees

Individuals without regular income proof who still want a credit card for daily use.

✈️

NRIs & new residents

NRIs returning to India or people new to a city who lack local credit history.

Top Secured Cards We Offer

Bank	Card Name	Min. FD Required	Credit Limit
SBI	SBI Unnati	₹25,000+	90% of FD
HDFC	HDFC MoneyBack Secured	₹25,000+	80% of FD
ICICI	ICICI Coral Secured	₹20,000+	85% of FD
Axis	Axis Insta Easy	₹20,000+	80% of FD
Kotak	Kotak 811 Dream Different	₹5,000+	90% of FD

Start Building Your Credit Score Today

Our advisors will help you choose the best bank and FD amount for your needs.

Apply for Secured Card →