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Build Your Credit
Secured Credit Cards
Start your credit journey with Monvia Capital Bank's Secured Credit Cards. Designed for first-time cardholders and those rebuilding their credit score, our secured cards offer a straightforward path to creditworthiness. Your security deposit becomes your credit limit, ensuring responsible credit building from day one.
Graduate to unsecured cards as you build a strong credit history with us. Enjoy the same rewards and benefits as our premium cardholders while securing your financial future.
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Flexible Deposits
Security deposit from Rs 10,000 to Rs 2 lakhs
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Credit Building
Every purchase reported to credit bureaus
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Upgrade Path
Convert to unsecured card after 12 months
Key Secured Card Features
Our secured cards are designed to help you build a solid credit foundation with transparent terms, affordable fees, and clear pathways to credit graduation. Start small and grow with confidence.
Low Deposit Options
Start with deposits as low as Rs 10,000 and increase your credit limit anytime.
Credit Bureau Reporting
Every transaction reported to CIBIL, Equifax, and Experian to build your score.
Earn Rewards
Earn 1% cashback on all purchases and redeem anytime.
Lifetime Validity
Your card remains valid as long as you maintain the security deposit.
Special Secured Card Offers
Make the most of your secured card with our limited-time promotions and extra benefits.
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Eligibility to Apply
To apply for Secured Credit Card
- Minimum age 18 years
- Resident Indian with valid PAN
- Active savings account with Monvia Capital Bank
- Security deposit from Rs 10,000 to Rs 2 lakhs
- No prior credit history required
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Fees & Charges
Secured Card Fees & Charges
- Annual membership: Rs 499 (waived for first year)
- Joining fee: Nil
- Security deposit: Interest-free (returned on card closure)
- Late payment fee: As per RBI guidelines
- Card replacement: Rs 100 per card
- Cashback redemption: Free