Hello guys, I am 21 years old. I am a student... I was using kotak secured credit card for an year but closed it cause I was not getting any limit increase or card upgrade. Please suggest me which secured card should I get. I can do a fd of 1 lakh. I am travelling to europe in the next month so need the card for lounge access, also I spend on groceries, clothes and electronics so please suggest a card with good cashback points.