RBL Secured Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: RBL Bank
Network: Visa | Tier: Entry
The RBL Bank Secured Credit Card (commonly issued as the RBL Credit Card against FD) is a credit-builder card issued against a Fixed Deposit (FD) opened with RBL Bank. The fixed deposit serves as collateral, acting as security for the bank, which makes it an excellent financial tool for individuals looking to establish or repair their CIBIL score.
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
- Zero Income Proof Required: No salary slips
- business ITR documents
- or employment verification histories are requested during the application.Overcomes Poor Credit Barriers: Ideal for students
- freelancers
- homemakers
- or anyone blacklisted due to a low historical credit score. Interest Liquidity Protection: Avoids the need to prematurely break your fixed deposit and pay penalty charges when you require short-term emergency liquidity. Xpress Cash Facility: Provides instant access to short-term pre-approved loan features directly routed through the card account if required.
Drawbacks of the RBL Secured Credit Card
- Locked Savings Capital: Your underlying fixed deposit cannot be withdrawn
- closed
- or liquidated as long as the credit card account remains active.Ineligible FD Types: Jointly-held fixed deposits
- tax-saving 5-year FDs
- and HUF accounts are strictly ineligible to be used as card collateral. Lacks Premium Travel Perks: The card is purely functional; it completely excludes privileges like complimentary airport lounge access or golf rounds.Strict Limit Boundaries: The credit limit is tightly constrained by your deposit size—increasing your limit requires manually adding more capital to the FD.High Forex Markup: International purchases carry a standard 3.5% + GST cross-border transaction fee.
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
- 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