IndusInd Bank Secured Credit Cards

Approval Rate: Very High

IndusInd Bank Secured Credit Cards

4.3 ☆

Reward Type

Secured Rewards

Joining Fee

Nil

Interest rate Rate

Up to 3.83% per month (46% annually)

Annual Fee

Nil

IndusInd Bank Secured Credit Cards

IndusInd Bank Secured Credit Cards are ideal for individuals who are new to credit or looking to rebuild their credit score. These cards are issued against a fixed deposit, making them accessible even without an existing credit history. They offer similar benefits as regular credit cards—including rewards, cashback, and EMI options—while helping users build a strong credit profile. With no income proof required, minimal paperwork, and guaranteed approval, these cards serve as a stepping stone into the world of responsible credit usage.

Key Features of IndusInd Bank Secured Credit Cards

Issued against a fixed deposit (FD) with IndusInd Bank No income proof or CIBIL score required for approval Build or improve credit score with regular usage and timely repayments Earn rewards and cashback on retail and online spending Complimentary domestic lounge access on select variants Contactless payment support with advanced chip security Manage card activity through mobile and net banking Easy EMI conversion available for big-ticket purchases

Key Benefits of IndusInd Bank Secured Credit Cards

  • Earn reward points on every eligible spend

  • Get discounts on dining, travel, and shopping

  • Free airport lounge visits on premium secured variants

  • EMI conversion on spends above a certain threshold

  • Zero liability on lost or stolen cards if reported promptly

  • Safe online shopping with OTP-based verification

Rewards of IndusInd Bank Secured Credit Cards

  • Earn up to 1.5 reward points per ₹100 spent

  • Bonus points on activation and milestone-based spending

  • Redeem points for gift vouchers, merchandise, flight bookings, or bill payments

  • Reward points validity: up to 3 years (varies by card)

  • Redemption available via IndusInd rewards portal or mobile app

Documentation needed for application to IndusInd Bank Secured Credit Cards

  • PAN Card

  • Aadhaar Card (for identity and address verification)

  • Passport-size color photograph

  • Fixed Deposit creation form

  • No income proof required

Application Process to IndusInd Bank Secured Credit Cards

  • Click on Apply Now .
  • Choose your preferred secured card linked to an FD

  • Open a fixed deposit (minimum ₹10,000–₹30,000 depending on the card)

  • Submit basic KYC documents (no income proof needed)

  • Get instant approval and card dispatch within a few days

IndusInd Bank Secured Credit Cards Pricing

  • Interest Charges: Up to 3.83% monthly (only on unpaid balances)

  • Cash Advance Fee: 2.5% or ₹300 minimum

  • Foreign Currency Mark-up Fee: 3.5%

  • Late Payment Fee: ₹100 – ₹1,200 depending on the outstanding amount

  • Fuel Surcharge Waiver: 1% at partnered fuel stations

  • No Overlimit Fee (limit capped by FD)

FAQs of IndusInd Bank Secured Credit Cards