India me credit card apply karte waqt sabse bada confusion hota hai: Secured Credit Card aur Unsecured Credit Card me kya difference hai? Agar aap beginner ho, low CIBIL score hai, ya first time card lene wale ho — to yeh guide aapke liye complete clarity degi.
Eligibility Check KareSecured Credit Card Kya Hota Hai?
Secured credit card wo card hota hai jo aapko kisi security deposit ke against milta hai. Usually bank aapse FD (Fixed Deposit) karwata hai aur us FD ke amount ke basis par credit limit deta hai.
Example: Agar aap ₹25,000 ka FD karte ho, to bank aapko ₹20,000–₹25,000 tak ka credit limit de sakta hai.
Secured Credit Card Kin Logon Ke Liye Sahi Hai?
- Low CIBIL score wale
- No credit history
- Students / Beginners
- Recent loan default recovery case
Unsecured Credit Card Kya Hota Hai?
Unsecured credit card me aapse koi security deposit nahi liya jata. Bank aapki income, job stability aur CIBIL score ke basis par card approve karta hai.
Is type ka card zyada common hai aur rewards, cashback aur travel benefits bhi milte hain.
Unsecured Card Kin Logon Ko Milta Hai?
- Stable salaried employees
- Self-employed with good ITR
- 700+ CIBIL score wale users
Secured vs Unsecured Credit Card – Detailed Comparison Table
| Feature | Secured Card | Unsecured Card |
|---|---|---|
| Security Deposit | Required (FD based) | Not Required |
| CIBIL Requirement | Low score me bhi mil sakta | 700+ recommended |
| Approval Chance | High | Depends on eligibility |
| Rewards & Benefits | Limited | High cashback & travel offers |
| Risk Level | Low risk for bank | Higher risk for bank |
| Credit Score Improve | Yes | Yes |
Real Example – Kaunsa Better Hai?
Case 1: Rohit (CIBIL 620, Salary ₹18,000)
Rohit ka score low hai aur salary bhi moderate hai. Uske liye secured credit card better option hoga.
Case 2: Aman (CIBIL 760, Salary ₹35,000)
Aman ke paas strong credit profile hai. Uske liye unsecured card best rahega kyunki use rewards aur cashback milega.
Credit Score Improve Karne Ke Liye Kaunsa Card Sahi?
Agar aapka score low hai to secured card lekar 6–12 mahine tak timely payment karo. Phir unsecured card ke liye apply karo.
Aap apna score pehle yahan check kar sakte ho:
Free CIBIL Score Check KareInterest & Charges Samjhe
| Charge Type | Secured | Unsecured |
|---|---|---|
| Annual Fee | Low / Zero | 0 – ₹5000+ |
| Interest Rate | 30% – 42% yearly | 30% – 45% yearly |
| Late Fee | ₹300 – ₹1200 | ₹300 – ₹1300 |
Exact EMI calculation ke liye aap hamara tool use kar sakte ho:
EMI Breakup CalculatorCommon Mistakes Jo Log Karte Hain
- Multiple banks me ek saath apply karna
- Minimum due pay karna instead of full payment
- FD tod kar secured card close kar dena jaldi
- High credit utilization (80% se zyada use)
Kaunsa Card Choose Kare? Final Verdict
✔ Low score hai → Secured card se start karo ✔ Good salary + good CIBIL → Unsecured card best ✔ Credit build karna hai → Secured se shuruaat safe option ✔ Rewards chahiye → Unsecured better
FAQs – Secured vs Unsecured Credit Card
Q1. Kya secured card lene se credit score improve hota hai?
Haan, agar aap timely payment karte ho to score improve hota hai.
Q2. Kya unsecured card me approval guarantee hoti hai?
Nahi, final approval bank ke verification par depend karta hai.
Q3. Kya secured card me FD tod sakte hain?
Haan, lekin card close ho jayega.
Q4. Kya student secured card le sakta hai?
Haan, agar FD kar sake to mil sakta hai.
Conclusion
Secured aur unsecured dono cards ka apna use case hai. Blindly apply karne ke bajaye pehle eligibility aur credit profile samjho.
Loan & Credit Eligibility Tool