Best Secured Cards 2026
Compare 520 cards from 63 banks. Get exclusive offers, real-world reward rates, and zero hidden fees.
Showing 11 of 11 cards
SBI Card Unnati
SBI Card
Reward Rate
0.5%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
Insta Easy Credit Card
Axis Bank
Reward Rate
0.5%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
811 #DreamDifferent
Kotak
Reward Rate
0.5% - 1.0%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
FIRST WOW!
IDFC FIRST
Reward Rate
0.5% - 1.5%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
Rupeek Gold-Backed Card
Federal Bank
Reward Rate
0.5%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
Paisabazaar Step UP
SBM Bank India
Reward Rate
0.5%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
Gild / Magnet FD Card
SBM Bank India
Reward Rate
0.75%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
Equitas Selfe Credit Card
Equitas SFB
Reward Rate
0.75% - 1.5%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
DCB Payless Credit Card
DCB Bank
Reward Rate
0.5% - 1.0%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
Jana Visa Platinum Card
Jana SFB
Reward Rate
0.75%
Annual Fee
₹400
Lounge Access
None
Pros
Cons
Fortune Gold Card
Kotak
Reward Rate
0.5%
Annual Fee
FREE
Lounge Access
None
Pros
Cons
Frequently asked questions
How do I pick the right credit card in India?
Start from your biggest spend category. If most spending is online retail or groceries, a cashback card usually beats a premium card. If you fly more than four times a year, lounge access and low forex markup matter more than headline reward rates. Always check the annual fee waiver spend — a card is effectively free if you cross that threshold naturally.
What is a lifetime free credit card?
A lifetime free card charges no joining fee and no annual fee for as long as the card stays active. Use the Lifetime free filter to see every such card tracked here.
What income do I need for a credit card?
Entry-level cards typically start around ₹15,000–₹25,000 monthly income, while super-premium cards need ₹2 lakh or more per month or an equivalent relationship with the bank. Set your monthly income in the filter panel to see only cards you are likely to qualify for.
Does comparing cards on MoneyMust affect my credit score?
No. Browsing and comparing is purely informational — no application is submitted and no credit bureau enquiry is made until you apply directly with the issuer.