RBL Secured Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: RBL Bank
Network: Visa | Tier: Entry
The RBL Secured Credit Card is an Entry Visa credit card issued by RBL Bank, best suited for low credit users. It carries a joining fee of NIL, with an interest rate of 3.99% per month. Key benefits include FD backed card. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need as per bank policy to qualify. It falls under the Secured and Fuel category on CreditCardHunt.
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Why Choose the RBL Secured Credit Card?
The RBL Secured Credit Card is a Entry-tier Visa credit card issued by RBL 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.
RBL Secured Credit Card Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.99% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
RBL Secured Credit Card Rewards & Benefits
| Reward Rate | None |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Low credit users |
Key Highlights of the RBL Secured Credit Card
- FD backed card
RBL Secured Credit Card Eligibility Criteria
- Age: 18+ years
- CIBIL score: 650+
Minimum Income Required: As per bank policy
Advantages of the RBL Secured Credit Card
- Easy approval — a highlight among RBL Bank's entry lineup.
Drawbacks of the RBL Secured Credit Card
- Basic rewards may not suit every applicant.
RBL Secured Credit Card — Frequently Asked Questions
What is the annual fee of the RBL Secured Credit Card?
The RBL 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 RBL Secured Credit Card offer airport lounge access?
No, the RBL 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 RBL 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 RBL Secured Credit Card?
The RBL Secured Credit Card earns None. It is best suited for Low credit users.
Credit Cards Similar to the RBL Secured Credit Card
If you are considering the RBL 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
- 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
- BOB Secured Credit Card by Bank of Baroda — rated 4.2/5, NIL annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
Explore more on CreditCardHunt.in
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- Read our credit card guides & FAQ.
Expert Rating: 4.2/5