Many people worry that a low CIBIL score will stop them from getting a credit card. The truth, however, is different. In India, several secured (FD-based) credit cards are available that can be approved instantly even if you have a low score—or no credit history at all. These cards not only offer convenience but also help you gradually rebuild and improve your credit score.

What Is a CIBIL Score?

A CIBIL score is a three-digit number ranging from 300 to 900. It reflects how responsibly you have handled loans, EMIs, and credit card payments in the past. This score is calculated by TransUnion CIBIL, one of India’s primary credit bureaus.

If you delay EMIs, miss credit card payments, or frequently use a very high percentage of your credit limit, your score can drop. A low score makes banks hesitant to approve new credit applications. On the other hand, a strong score improves your chances of getting credit cards and loans at better interest rates.

5 Credit Cards You Can Get Even With a Low CIBIL Score

Below are five FD-backed secured credit cards that offer quick approval with minimal requirements. These cards are ideal for beginners and for anyone trying to rebuild their credit profile.

1. SBI Unnati Credit Card

The SBI Unnati Card is one of the easiest secured cards to obtain, even with a CIBIL score below 600 or no score at all.

• Requires a minimum fixed deposit of ₹25,000

• No joining fee or annual fee for the first year

• Offers reward points, cashback and add-on cards for family

• Spend ₹50,000 within the first 15 days to get ₹500 cashback

It is a great entry-level card for first-time users or anyone looking to rebuild their credit score.

2. IDFC First WOW Credit Card

The IDFC First WOW Card is fully FD-backed and designed especially for first-time credit card users.

• No joining fee or annual fee

• Requires an FD of ₹20,000

• Full credit limit equals your fixed deposit amount

• No income proof required

• Offers reward points and UPI-linked cashback

Instant approval makes this one of the most convenient options for low-score applicants.

3. Axis Bank Insta Easy Credit Card

Popular for quick approval, this FD-based card is ideal for credit rebuilding.

• Minimum FD requirement: ₹20,000

• Credit limit up to 80% of the deposit

• Annual fee of ₹500

• No fuel surcharge on transactions

• Can be used universally like any regular credit card

If your goal is to improve your credit profile, this is a strong and reliable option.

4. ICICI Bank Instant Platinum Credit Card

A perfect choice for customers who want a fast, hassle-free card without any extra charges.

• Requires an FD of ₹50,000 or more

• No joining or annual fees

• Reward points on every transaction

• No fuel surcharge

• Up to two BookMyShow offers every month

The combination of zero fees and instant approval makes it a great beginner-friendly credit card.

5. Kotak 811 Dream Different Credit Card

This is one of the easiest secured cards to get with a low FD requirement.

• Only ₹10,000 FD needed

• Credit limit up to 90% of FD value

• Annual fee of ₹299

• Reward benefits, cashback, and four free PVR tickets yearly

• Includes fuel surcharge waiver and fraud protection

Perfect for users who want maximum benefits with minimum deposit.

How to Choose the Right Card for You?

If you already have an FD or are willing to open one, secured credit cards are the fastest way to get approval despite a low CIBIL score. Here is how to decide:

• For low FD amount: Kotak 811 Dream Different

• For zero annual fees: ICICI Instant Platinum or IDFC WOW

• For beginners seeking cashback: SBI Unnati

• For improving credit score quickly: Axis Bank Insta Easy

Once you start using the card, make sure to:

• Pay all bills on time

• Keep credit utilisation below 30%

• Avoid unnecessary spending

With consistent and responsible usage, your CIBIL score can improve significantly within a few months, making it easier to get regular (unsecured) credit cards and loans in the future.

This list offers some of the easiest and most effective options for anyone struggling with a low score but hoping to rebuild their financial profile.