FD-Backed & Credit-Building Cards

Explore secured and FD-backed cards for people starting or building their credit journey.

How to use this category

Compare fees, reward structure, caps, exclusions, eligibility and the card's main use case. Open any card for its dedicated page and official issuer source. CardClue does not guarantee approval.

All categories Cashback Food & Dining Shopping Travel Lifestyle Beginner Premium Fuel

2 cards

Cards in this category

Each card links to a full detail page.

Build CreditBeginnerLifetime Free

SBM ZET FD Credit Card

First-time credit users or people looking for an FD-backed route into credit.

Annual fee₹0 stated by ZET

Main rewardCashback / UPI rewards

Key differenceFD-backed card with no income proof or credit history requirement stated by ZET

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Build CreditBeginnerLifetime Free

DCB novio Credit Card

People who want a secured credit card and a simpler path to starting credit history.

Annual fee₹0

Main rewardRewards / card benefits

Key differenceFD-backed, lifetime-free structure; physical card eligibility from ₹10,000 cumulative FD

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