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Cards backed by a fixed deposit or other security relationship rather than only unsecured underwriting. The right comparison still depends on fees, caps, exclusions, qualification rules and how you actually use the card.
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Published card research
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5of 5 published records visible
IDFC FIRST Bank · Active
Open dossier IDFC FIRST WOW! Credit Card
A secured, lifetime-free IDFC FIRST card with nil forex markup in the reviewed fee schedule.
Annual feeNil under the current IDFC FIRST Bank schedule of charges.
RewardsUp to 4X never-expiring reward points under current FIRST WOW! guidance.
LoungeNo complimentary lounge quota is listed for the standard FIRST WOW! card on the reviewed current lifetime-free card page.
Forex0% / Nil forex markup under the current FIRST WOW! guidance and IDFC FIRST Bank fee schedule.
Best useApplicants considering a secured credit card and users who value zero forex markup on the reviewed schedule.
4 first-party sourcesReviewed September 11, 2026
Kotak Mahindra Bank · Active
Open dossier Kotak 811 #DreamDifferent Credit Card
A secured Kotak credit card backed by a term deposit, with no annual fee, a conditional joining fee and a 2% forex markup in the reviewed MITC.
Annual feeNil under the reviewed KFS
RewardsCurrent issuer material lists online-spend reward acceleration plus other eligible-spend rewards; exact promotional earn presentation can vary by offer
LoungeNot positioned as a lounge-led card
Forex2% foreign-currency transaction markup under the reviewed Kotak MITC
Best usePeople building credit through a secured card who want no annual fee and a lower-than-standard Kotak forex markup.
4 first-party sourcesReviewed September 9, 2026
HDFC Bank · Active
Open dossier HDFC Bank Credit Card Against Fixed Deposit
HDFC Bank's current credit-card-against-FD proposition uses an eligible fixed deposit as collateral, requires at least ₹15,000 under reviewed terms and can provide a credit limit up to 90% of the FD amount while the deposit continues earning interest.
Annual feeSee the current HDFC Bank FD-backed card offer / issued-card terms
RewardsHDFC Bank states FD-backed cards can earn Reward Points / CashBack on eligible transactions; the exact earn structure depends on the issued card variant
LoungeNot treated as a universal FD-card benefit; any lounge access depends on the actual issued card variant and current conditions
ForexSee the current HDFC Bank MITC for the issued card variant
Best useApplicants with limited/no credit history who can lock an eligible HDFC Bank FD as collateral and want a credit limit linked to that deposit rather than income underwriting.
2 first-party sourcesReviewed September 9, 2026
AU Small Finance Bank · Active
Open dossier AU NOMO Credit Card
A fixed-deposit-backed AU credit card with a ₹199 one-time joining fee, 0.99% forex markup, rewards and spend-conditioned lounge access.
Annual feeNil from second year under the reviewed current product proposition
Rewards2 Reward Points per ₹100 on eligible retail spends; reviewed page states 1 RP = ₹0.25, with 5,000 points per statement-cycle cap
LoungeCurrent AU product banner states 2 complimentary domestic airport lounge visits per quarter after ₹50,000 quarterly spend, effective 10 April 2026.
Forex0.99% forex markup on the reviewed AU NOMO page
Best useCustomers building credit with an FD-backed card who can use a low forex markup and modest lounge/reward benefits without needing unsecured underwriting.
2 first-party sourcesReviewed September 9, 2026
Federal Bank · Active
Open dossier Federal Bank Secured Credit Card
Federal Bank's secured credit-card programme uses an eligible fixed deposit as collateral and currently allows credit limits up to 80% of deposit value, capped at ₹10 lakh.
Annual feeFederal Bank currently advertises lifetime-free credit cards as a limited-period offer; the secured-card terms remain controlling for collateral
RewardsRewards and lifestyle benefits depend on the issued Federal Bank card variant; the secured programme itself primarily defines collateral and credit-limit mechanics
LoungeDepends on the issued card variant and current spend criteria
ForexSee current Federal Bank MITC / issued-card terms
Best useFederal Bank customers who want a credit card backed by an eligible fixed deposit rather than relying only on unsecured underwriting.
3 first-party sourcesReviewed September 9, 2026
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Maintained head-to-heads
Close comparisons already researched inside Secured Credit Cards.
Only curated pairs that passed the existing substantive-comparison guard appear here. The engine does not generate every possible permutation.
Maintained comparisonKotak 811 #DreamDifferent Credit CardvsIDFC FIRST WOW! Credit CardCompare →Maintained comparisonHDFC Bank Credit Card Against Fixed DepositvsIDFC FIRST WOW! Credit CardCompare →Maintained comparisonHDFC Bank Credit Card Against Fixed DepositvsKotak 811 #DreamDifferent Credit CardCompare →Maintained comparisonAU NOMO Credit CardvsIDFC FIRST WOW! Credit CardCompare →Maintained comparisonAU NOMO Credit CardvsHDFC Bank Credit Card Against Fixed DepositCompare →Maintained comparisonFederal Bank Secured Credit CardvsIDFC FIRST WOW! Credit CardCompare →Maintained comparisonFederal Bank Secured Credit CardvsHDFC Bank Credit Card Against Fixed DepositCompare →