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RBL Bank
RBL Bank Secured Credit Card
Visa
RBL Bank Secured Credit Card
RBL Bank's fixed-deposit-backed card is aimed squarely at first-time credit users, students, and homemakers who lack a conventional income proof or credit history. The pledged FD sets the credit limit and keeps earning interest, and RBL positions the card explicitly as a credit-building tool.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
- Domestic lounge access: Not offered
- International lounge access: Not offered
Benefits by category
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
Fees & charges
- Foreign currency markup: 3.5%
- Fuel surcharge waiver: Not offered
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500, per RBL's standard cash advance fee
Benefits
- Credit limit of roughly 80-90% of a linked RBL Bank fixed deposit
Pros
- + No income proof or credit history needed for approval
- + FD continues to earn its normal interest rate
- + A practical way to build a CIBIL score before graduating to an unsecured RBL card
Cons
- − Reward program and benefits are minimal versus RBL's unsecured cards (World Safari, ICONIA, etc.)
- − Exact minimum FD amount and fee structure vary by RBL branch/offer and should be confirmed before applying
- − Card closes if the linked FD is broken