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Best for: Credit builders, no credit history, poor credit score
Union Bank Secured Credit Card
APPLY NOW
on Union Bank of India's website
Annual fee
₹200
#62Rewards rate
₹0.20/₹100
#291Joining fee
₹200
#68Interest rate
30.00%
#26 Card details
Forex Markup
0 3.50%
#75
Categories Credit Builder, Secured
CardNitty's take
Pros
- No income proof required (FD-backed)
- Ideal for building credit history
- Very low annual fee of Rs.200
- No minimum credit score required
- Lower interest rate than regular cards
- Credit limit based on FD amount
Cons
- Requires fixed deposit as security
- Limited credit limit (80-90% of FD)
- Very basic rewards
- FD locked until card closure
- No lounge access