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Ranked

Best Secured / FD-Backed Credit Cards

Build credit against a fixed deposit.

By Nishit Kumar, Founder & Editor
Updated 17 August 2026
  1. Best overallLifetime free
    SBI Card · RuPay

    SBI Card Unnati

    Best for building credit history from zero

    Issued against a fixed deposit — no income proof or credit history needed

    Effective return
    0.5%
    Annual fee
    Nil
    Lounge (dom.)
    0
    Forex markup
    3.50%

    Our take. Not a rewards card and not meant to be. If you have no credit history — a student, a new earner, or someone rebuilding after a default — six months of on-time payments here is the cheapest route to a score that unlocks real cards.

    Credsir rating
    2.0/5
    Check your eligibilityRead full review

    Min. income ₹0 · Score Any+

Effective reward rate is our own blended estimate for a typical spend mix — not the accelerated rate an issuer advertises on one category. Annual fees are shown before the 18% GST that is charged on top. Verify current terms on the issuer’s site before applying; card terms change without notice.

Data as of 15 Aug 2026Source: Issuer tariff sheets and published comparisonsPending issuer verification

Questions

How do you decide what makes this best secured / fd-backed credit cards list?

Every product is scored on the same fields — effective return, total cost including fees and GST, benefits, and how obtainable it actually is. The weights are published on our methodology page, and the score is computed, not assigned by an editor.

How often is this page updated?

Rate tables are refreshed weekly, and immediately after an RBI policy change or a Budget announcement. Every figure on the page carries the date it was captured and a link to its source, so you can always see how current it is.

Does Credsir get paid to rank products here?

No. We earn from partner links and advertising, but rankings come from a published scoring formula that runs identically on every product, whether we earn from it or not. Products we make nothing from appear in these lists whenever they win on the numbers.

Are these the rates I will actually be offered?

Advertised rates are the best case, reserved for applicants with a high credit score, stable income and a favourable profile. Your offer depends on your credit score, employer, income and existing obligations. Treat published rates as the floor, not the quote.

Related reading

Worth knowing.Rates, fees and terms change frequently and vary by applicant. Everything here is general information, not personalised advice. Confirm the current terms directly with the institution before you apply. How we research and rate.