Best Secured Cards to Build CIBIL

The same FD-backed cards, framed for building credit deliberately — lock in a deposit, get guaranteed approval, and let responsible use build your CIBIL score over time.

The Top 10

Methodology

Ranked by deposit size, not by rewards

This isn't a formula run over whatever's in our database — each card here was individually researched and verified as currently open for applications. They're ranked primarily by how low a Fixed Deposit you need to get approved (lowest FD minimum first), since a lower deposit means less capital locked away while you build your score.

The first seven are genuinely ₹0 joining and ₹0 annual fee — not waived above a spend threshold, not free for year one only. The rest trade a little more — a slightly higher deposit, or a small disclosed fee — for real reward value (extra cashback, lounge access, the lowest forex markup on this list), once your core need — a guaranteed-approval card to build history on — is already covered.

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Best secured credit cards to build your CIBIL score

A secured credit card is issued against a fixed deposit you place with the bank, which lowers the bank's risk and makes approval far easier if you have no credit history or a poor score. Used responsibly, it can raise your credit score over time.

Compare the deposit required, the credit limit you get against it (usually a percentage of the deposit), the fee, and the interest your deposit continues to earn. Paying the bill in full and on time is what actually builds the score.

The ranked list, in plain text

  1. superCard (Utkarsh Small Finance Bank): net yearly value about ₹630 on the sample spend · annual fee ₹0. The single lowest barrier found across this entire research project — a ₹100 Fixed Deposit (verified directly against the issuer, since a figure this low is easy to mistake for a misread) gets you a genuinely free RuPay card, backed by Flipkart's super.money app.
  2. Stable Money Suryoday Bank RuPay Credit Card (Suryoday Small Finance Bank): net yearly value about ₹630 on the sample spend · annual fee ₹0. A ₹1,000 Fixed Deposit gets you a genuinely free RuPay card with no income proof or CIBIL check required, plus 0.5% cashback on everyday UPI spends.
  3. Niyo Global Secured Credit Card (SBM Bank): net yearly value about ₹1,440 on the sample spend · annual fee ₹0. A ₹5,000 FD unlocks this genuinely free, zero-forex-markup card — useful if you're a student or plan to spend abroad, on top of the same no-CIBIL, no-income-proof approval every FD-backed card here offers.
  4. 811 #DreamDifferent Credit Card (Kotak Mahindra Bank): net yearly value about ₹1,300 on the sample spend · annual fee ₹0. From a major bank rather than a fintech app — a ₹10,000 FD gets you a lifetime-free RuPay card built for UPI, with the reliability of Kotak's own banking relationship behind it.
  5. Federal Bank Secured Credit Card: net yearly value about ₹173 on the sample spend · annual fee ₹0. A genuinely free FD-backed card at ₹25,000 that our own research had missed until now — from a mainstream private bank, with real perks like a quarterly buy-one-get-one on INOX tickets and lounge access once you're spending ₹20,000 a quarter.
  6. BOBCARD PRIME Credit Card (Bank of Baroda): net yearly value about ₹504 on the sample spend · annual fee ₹0. Backed by Bank of Baroda, one of India's largest public-sector banks — a ₹30,000 FD buys guaranteed approval with zero fees, for anyone who'd rather build credit with a familiar bank than an app-based fintech.
  7. Instant Platinum Credit Card (ICICI Bank): net yearly value about ₹585 on the sample spend · annual fee ₹0. The highest deposit on this list at ₹50,000, but genuinely free and instantly issued against your FD — a solid option if you already bank with ICICI, India's second-largest private bank, and want to build history within that relationship.
  8. IDFC FIRST WOW! Credit Card (IDFC FIRST Bank): net yearly value about ₹563 on the sample spend · annual fee ₹0. Once your FD is in place, this is the one with real reward value: 0% forex markup and a credit limit equal to 100% of your FD (most others cap it at 90%) — worth the slightly higher ₹20,000 entry if you also travel or shop online often.
  9. Axis Bank Kwik Credit Card: net yearly value about ₹252 on the sample spend · annual fee ₹0. The one non-FD-backed pick here — a genuinely free, lifetime virtual RuPay card built for UPI spending. Unlike the FD-backed cards above, approval isn't guaranteed by collateral, and Axis doesn't publish a minimum income or CIBIL requirement, so treat this as a 'worth trying' option rather than a certain approval.
  10. SBM Kredit.Pe Credit Card (SBM Bank India): net yearly value about ₹3,581 on the sample spend · annual fee ₹199. The lowest raw FD minimum after Suryoday and Niyo — ₹2,000 gets you approved, though the ₹199 annual fee only disappears once your FD reaches ₹5,000. In exchange you get a real 3% cashback rate (as closed-loop credit, redeemable for vouchers and gold) on everyday spends.
  11. NOMO Credit Card (AU Bank): net yearly value about ₹1,085 on the sample spend · annual fee ₹0. A ₹199 one-time joining fee (no recurring annual charge) buys the lowest forex markup of any card here — 0.99% — plus quarterly airport and railway lounge access once you're spending ₹50,000 a quarter. Worth the small upfront cost if you travel.

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