Any credit score of 750 and above is a good credit score, and banks are willing to issue credit cards to individuals with good credit health. Income and credit score are the two important factors that play a decisive role for a credit card approval. 

Although it may be difficult to obtain a credit card with a poor credit score, there is a chance to avail a secured credit card against your fixed deposit if you have one. Following are some of the popular secured credit cards available in India. 

1. Axis Bank Insta Easy Credit Card

  • Interest free period up to 50 days

  • 1% of fuel surcharge waiver

  • Credit limit up to 80% of term deposit

  • No joining fee or annual fee

2. ICICI Bank Coral Credit Card Against Fixed Deposit

  • 2 PAYBACK points for every Rs. 100 spent

  • Complimentary lounge access

  • Free movie tickets

  • Dining offers at partnered outlets

  • Joining fee is Rs. 500 + GST

3. . Kotak Mahindra Aqua Gold Credit Card

  • No joining fees

  • For fuel surcharge waiver for all transactions between Rs. 500 to Rs. 3000

  • Interest-free cash withdrawal for up to 48 days

  • Credit limit up to 80% of the term deposit

4. SBI Unnati Credit Card

  • No annual fee for the first 4 years

  • 1% fuel surcharge waiver

  • EMI option available

  • The card is provided on minimum Fixed Deposit of Rs. 25,000