# Secured credit cards against a fixed deposit · Brief

12 cards issued today can be had against a deposit with the bank. 9 of them need no income proof, 6 have no annual fee and 5 are offered to students.

Every card issued today that its bank issues against a fixed deposit or a lien on a savings account, lowest minimum deposit first. Each row is the bank’s own terms: the deposit, the limit it gives and the date they were last read. Where the bank offers the card to students, the line under it says so.

12 cards · current to 30 October 2026

## Secured credit cards (12)

- [DCB ZET Credit Card](https://getbrief.cards/cards/dcb-zet): Minimum deposit ₹2,000 · Issued against a DCB fixed deposit of ₹2,000 to ₹10 lakh, held for a year or more. Your limit is 90% of the deposit, and no income proof is needed. · For students: DCB names students among the people this card suits, since it needs no income proof. · lifetime free · 2.49% forex · ✓ official · checked 28 October 2026
- [Kotak 811 #DreamDifferent](https://getbrief.cards/cards/kotak-811-dreamdifferent): Minimum deposit ₹10,000 · Issued against a Kotak fixed deposit of at least ₹10,000, with no income proof. Kotak’s terms set the limit at 80% of the deposit; its student page says up to 90%. · For students: Kotak offers Dream Different to students, set up against a fixed deposit with no joining or annual fee and no income proof. · lifetime free · 2% forex · ✓ official · checked 27 October 2026
- [HDFC PIXEL Go](https://getbrief.cards/cards/hdfc-pixel-go): Minimum deposit ₹15,000 · HDFC also issues PIXEL Go against a fixed deposit of ₹15,000 to ₹55,000, with no income document. Your limit is 90% of the deposit, if you hold no other HDFC credit card. · ₹250 fee, waivable · 3.5% forex · ✓ official · checked 27 October 2026
- [DCB PayLess Platinum Credit Card](https://getbrief.cards/cards/dcb-payless-platinum): Minimum deposit ₹15,000 · Issued against a DCB fixed deposit of at least ₹15,000, held for a year or more. Your limit is up to 90% of the deposit, and no income proof is needed. · For students: DCB names students among the people this card suits, since it needs no income proof. · ₹350 fee, waivable · 3.5% forex · lounge · ✓ official · checked 27 October 2026
- [Axis Bank MY Zone Easy](https://getbrief.cards/cards/axis-myzone-easy): Minimum deposit ₹15,000 · Issued against an Axis fixed deposit of ₹15,000 to ₹25 lakh, with guaranteed approval. · ₹500 fee · 3.5% forex · ✓ official · checked 28 October 2026
- [AU NOMO](https://getbrief.cards/cards/au-nomo): Minimum deposit ₹20,000 · Issued against an AU fixed deposit of at least ₹20,000 in your sole name. Your limit is up to 80% of the deposit, and no income proof is needed. · lifetime free · 0.99% forex · lounge · ✓ official · checked 27 October 2026
- [IDFC FIRST WOW](https://getbrief.cards/cards/idfc-first-wow): Minimum deposit ₹20,000 · Issued against an IDFC FIRST fixed deposit of at least ₹20,000. Your limit is 100% of the deposit, and no income proof is needed. · For students: IDFC FIRST offers WOW to students on a page of its own: no income proof or credit history, backed by a fixed deposit. · lifetime free · 0% forex · 1 status · ✓ official · checked 27 October 2026
- [BOBCARD Prime](https://getbrief.cards/cards/bob-prime): Minimum deposit ₹30,000 · Issued against a fixed deposit of ₹30,000 or more, with no income proof. · lifetime free · 3.5% forex · ✓ official · checked 27 October 2026
- [ICICI Coral](https://getbrief.cards/cards/icici-coral): Minimum deposit ₹50,000 · ICICI also issues Coral against a fixed deposit of at least ₹50,000, opened for 180 days or more. Your limit is up to 90% of the deposit, capped at ₹5 lakh. · ₹500 fee, waivable · 3.5% forex · 1 transfer partner · lounge · ✓ official · checked 27 October 2026
- [HDFC PIXEL Play](https://getbrief.cards/cards/hdfc-pixel-play): Minimum deposit ₹56,000 · HDFC also issues PIXEL Play against a fixed deposit of ₹56,000 to ₹5,00,000, with no income document. Your limit is 90% of the deposit, if you hold no other HDFC credit card. · ₹500 fee, waivable · 3.5% forex · ✓ official · checked 27 October 2026
- [DCB Niyo Global Credit Card](https://getbrief.cards/cards/dcb-niyo-global): Minimum deposit Savings lien · Issued against a lien on your DCB Niyo savings account. Your limit is 90% of the lien, from ₹5,000 to ₹25 lakh. · lifetime free · 0% forex · ✓ official · checked 27 October 2026
- [DCB PayLess Select Credit Card](https://getbrief.cards/cards/dcb-payless-select): Minimum deposit Varies · Issued against a DCB fixed deposit held for a year or more. DCB lists ₹1,50,000 as the minimum deposit for Select and ₹15,000 for its PayLess cards in general. Your limit is up to 90% of the deposit. · For students: DCB names students among the people this card suits, since it needs no income proof. · ₹1,000 fee, waivable · 3.5% forex · lounge · ✓ official · checked 27 October 2026

Cards their bank issues against a fixed deposit or a savings lien, lowest stated minimum deposit first, then lowest fee, then by name. A card whose bank states no single minimum comes last.

## What changed on these cards

The newest changes on record to cards on this list, each dated, with its source on its own page.

- [IDFC FIRST drops the forex markup on every credit card](https://getbrief.cards/changes/idfc-zero-forex-2026) · Improvement · 9 September 2026 · IDFC FIRST WOW
- [Kotak Dream Different charges a 424 rupee joining fee from 1 September](https://getbrief.cards/changes/kotak-dd-joining-2026-09) · Fee change · 1 September 2026 · Kotak 811 #DreamDifferent
- [BOBCARD accidental-death cover ends for existing holders on 25 August](https://getbrief.cards/changes/bob-insurance-end-2026) · Devaluation · 25 August 2026 · BOBCARD Prime
- [IDFC First WOW points now expire and earn is capped to your credit limit](https://getbrief.cards/changes/idfc-wow-deval-2026) · Devaluation · 18 June 2026 · IDFC FIRST WOW
- [Kotak Dream Different stopped earning reward points](https://getbrief.cards/changes/k811dd-rp-end-apr26) · Devaluation · 1 April 2026 · Kotak 811 #DreamDifferent
- [ICICI Coral’s movie offer is now spend-gated](https://getbrief.cards/changes/coral-movie) · Devaluation · 1 April 2026 · ICICI Coral

Every change, dated: https://getbrief.cards/changes

## Questions this page answers

### Which secured credit card needs the smallest deposit?

As of 30 October 2026, DCB ZET Credit Card: ₹2,000.

### Which secured credit cards need no income proof?

As of 30 October 2026, 9 of the 12: DCB ZET Credit Card, Kotak 811 #DreamDifferent, HDFC PIXEL Go, DCB PayLess Platinum Credit Card, AU NOMO, IDFC FIRST WOW, BOBCARD Prime, HDFC PIXEL Play and DCB PayLess Select Credit Card.

### Which secured credit cards have no annual fee?

As of 30 October 2026, 6 of the 12: DCB ZET Credit Card, Kotak 811 #DreamDifferent, AU NOMO, IDFC FIRST WOW, BOBCARD Prime and DCB Niyo Global Credit Card.

### Which secured credit cards are offered to students?

As of 30 October 2026, 5 of the 12: DCB ZET Credit Card, Kotak 811 #DreamDifferent, DCB PayLess Platinum Credit Card, IDFC FIRST WOW and DCB PayLess Select Credit Card.


## Other lists

- [Lifetime free](https://getbrief.cards/lifetime-free-credit-cards)
- [No forex markup](https://getbrief.cards/zero-forex-markup-credit-cards)
- [Cashback](https://getbrief.cards/cashback-credit-cards)
- [Travel](https://getbrief.cards/travel-credit-cards)
- [RuPay and UPI](https://getbrief.cards/rupay-credit-cards)
- [Fuel](https://getbrief.cards/fuel-credit-cards)
- [Amazon](https://getbrief.cards/amazon-credit-cards)
- [Lounge access](https://getbrief.cards/lounge)
- [Point values](https://getbrief.cards/how-brief-values-points)
- [Transfer partners](https://getbrief.cards/transfer-partners)
- [Side by side](https://getbrief.cards/compare)
- [Every card](https://getbrief.cards/cards)

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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/secured-credit-cards