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Best secured credit cards
Backed by a fixed deposit — approval without a credit history, for building one from scratch.
Quick answer
Best secured credit cards: start with Kotak 811 #DreamDifferent, SBI Unnati (Secured). Compare annual fee, reward fit and eligibility before applying, and only use a card if you can pay the full bill every month.
Kotak Mahindra Bank
Kotak 811 #DreamDifferent
Visa
Kotak 811 #DreamDifferent
Kotak Mahindra Bank
Our top pick in this list.
- Annual fee
- Free
- Rewards up to
- 1%
- Lounges/yr
- 0
Rates verified 26 Jul 2026
SBI Card
SBI Unnati (Secured)
Visa
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