Kotak Secured Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: Kotak Mahindra Bank
Network: Visa | Tier: Entry
FD backed card
Why Choose the Kotak Secured Credit Card?
The Kotak Secured Credit Card is a Entry-tier Visa credit card issued by Kotak Mahindra Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Low credit users. With a reward rate of None and an annual fee of NIL, it ranks among the popular Secured cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
Kotak Secured Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
Kotak Secured Credit Card Rewards & Benefits
| Reward Rate | None |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Low credit users |
Key Highlights of the Kotak Secured Credit Card
- FD backed card
Kotak Secured Credit Card Eligibility Criteria
- Age: 18+ years
- CIBIL score: 650+
Minimum Income Required: As per bank policy
Advantages of the Kotak Secured Credit Card
- Easy approval
Drawbacks of the Kotak Secured Credit Card
- Basic benefits
Kotak Secured Credit Card — Frequently Asked Questions
What is the annual fee of the Kotak Secured Credit Card?
The Kotak Secured Credit Card has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the Kotak Secured Credit Card offer airport lounge access?
No, the Kotak Secured Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the Kotak Secured Credit Card?
The minimum income requirement is As per bank policy. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Kotak Secured Credit Card?
The Kotak Secured Credit Card earns None. It is best suited for Low credit users.
Credit Cards Similar to the Kotak Secured Credit Card
If you are considering the Kotak Secured Credit Card, these secured credit cards are worth comparing before you apply:
- Axis Insta Easy Credit Card by Axis Bank — rated 4.3/5, NIL annual fee
- IDFC FIRST Wow Credit Card by IDFC First Bank — rated 4.3/5, NIL annual fee
- Federal Secured Credit Card by Federal Bank — rated 4.2/5, NIL annual fee
- AU Secured Credit Card by AU Small Finance Bank — rated 4.2/5, NIL annual fee
Expert Rating: 4.2/5