Credit Builder

Secured Credit Cards

Have a low credit score or no income proof? Apply for a secured credit card backed by a Fixed Deposit (FD). Enjoy guaranteed approvals, zero CIBIL checks, and rebuild your score fast.

Guaranteed Approval

Fulfill basic FD criteria to qualify for 100% approvals. Zero credit scoring checks or salary proof required.

Earn Double Benefits

Your collateral FD continues to earn full bank interest while you enjoy short-term credit and card points.

Fast Score Repair

Transactions and bill cycles are reported monthly to CIBIL, helping rebuild a damaged score in 3-6 months.

Credit Building

Rebuild CIBIL with Secured Cards

Secured credit cards are the safest financial tools designed for customers with low credit scores or a lack of credit history (like students or freelancers):

How Limits are Decided: Banks set your card credit limit to 80%-90% of your Fixed Deposit amount. (e.g. an FD of ₹50,000 gives a card limit of ₹40,000).
No Risk of Default: If you default on repayments, the bank has the legal right to recover outstanding dues directly from your FD balance. This collateral removes default risk for banks.
Bureau Reporting: Payment patterns on secured cards are treated identically to premium cards. Paying credit bills on time gradually constructs a solid payment rating.

₹10,000+ FD

Start Small, Grow Big

You can initiate a secured card with a minimum FD of just ₹10,000. It is an excellent option to kickstart your credit history or bounce back from past loan default remarks.

✔ No income statement proof required
✔ Full security of your FD asset
✔ Easy upgrade paths to unsecured cards

FAQs

Frequently Asked Questions

Find immediate answers regarding secured credit cards.

What is a secured credit card?

A secured credit card is a card backed by a cash collateral deposit, most commonly a Fixed Deposit (FD) created with the issuing bank. The FD acts as security for the credit line extended to you.

Can I close the card and get my Fixed Deposit back?

Yes, absolutely. You can write to the bank to close your credit card account at any time. Once all outstanding card balances are paid in full, the bank will release and credit your Fixed Deposit amount along with the earned interest back to your savings account.

Does a secured card help improve CIBIL score?

Yes. Banks report your card utilization and monthly repayment history on secured cards to CIBIL and other credit bureaus exactly like standard unsecured cards. Consistent, on-time bill payments will show positive updates in your score within 3 to 6 months.