ICICI Bank Secured Credit Cards are ideal for individuals who want to build or repair their credit score, get a credit card without income proof, or enjoy credit card features against a fixed deposit. These cards are issued against a refundable Fixed Deposit (FD) and offer the same benefits as regular credit cards. Whether you’re new to credit or looking for easy approval, ICICI FD-backed credit cards provide a smart and secure way to manage your spending.
Rewards on all retail purchases (except fuel and select categories)
Use as a global credit card with full online payment functionality
Access to ICICI Bank Culinary Treats — 15% off on partner restaurants
Lounge access benefits (with Coral variant)
Easy upgrade and credit limit increase upon FD maturity or review
1% fuel surcharge waiver and EMI conversion options
Earn 2 Reward Points per ₹100 spent on retail purchases (domestic)
1 Reward Point on utilities and insurance payments
Redeem points for travel, vouchers, gadgets, or shopping via ICICI Rewards portal
Accelerated reward offers during festivals and sales
PAN Card
Address Proof (Aadhaar, Passport, Voter ID)
Fixed Deposit Acknowledgement Receipt with ICICI Bank
One passport-size photo
No income proof required
Click on Apply Now.
Open a fixed deposit of ₹20,000 or more in your name
Choose the Coral Credit Card (Secured) against the FD
Submit required KYC documents and FD details
Receive the card at your registered address in 7–10 working days
Finance Charges: Up to 3.4% per month (40.8% p.a.)
Late Payment Fee: ₹100 to ₹1,200 (based on bill amount)
Cash Advance Charges: 2.5% or ₹300 (whichever is higher)
Foreign Mark-up Fee: 3.5% on international transactions
Fuel Surcharge Waiver: 1% at select fuel stations on ₹500–₹4,000 spends
Approval chances shown on LoanSafar.com are not guaranteed approvals. These estimates are calculated by comparing your credit profile (based on information you provide) to data from other users who were approved by the same lender, or by checking if you meet certain criteria set by the lender.
While these insights may help you make smarter choices, final approval always depends on the lender’s internal policies. You may still be denied a loan or credit card if You don’t meet their income or employment verification standards or You already have the maximum number of accounts with that lender Or you don’t pass their “ability to pay” assessment
We’re here to help you compare offers more confidently — but remember, the final decision always rests with the lender.