Finding the Perfect Secured Credit Card for CIBIL Building and Rewards! (OneCard is Out, Let's Discuss!)

[VibhavBilgoji]

Hey everyone! I'm on the mission to build a solid CIBIL score and figured a secured credit card could be my key. I was initially eyeing the OneCard, but the lack of conversion to unsecured later down the line made me reconsider.​

After browsing through the forum, I learned add-on cards don't contribute to CIBIL, which was insightful! However, my main question remains unanswered: What secured credit card offers a sweet balance of CIBIL building potential and decent reward rates?
Here's what I'm looking for:

• Strong CIBIL reporting: I want a card that consistently reports my responsible credit behavior to CIBIL.
• Decent reward rate: Earning some rewards while building credit would be a bonus! Cashback, points, travel miles - anything works!
• Reasonable fees: I understand secured cards come with fees, but I'd prefer them to be manageable.
• Conversion to unsecured (optional): If possible, having the option to convert the card to unsecured in the future would be ideal.

I've read about various options like IDFC First WOW, Gild and Fi Simplifi, but I'd love to hear your real-world experiences and recommendations!
What secured credit card do you think ticks all the boxes? Bonus points if you have experience with one that eventually converted to unsecured!
Thanks in advance for sharing your wisdom!
P.S. If I missed any crucial details, please let me know! The more informed I am, the better I can choose the right card.
P.P.S. Anyone else here skipped OneCard for the same reason? Let's discuss!

 

[Suyashj]

I haven't got it myself ,
Try on other apps

worked on superpe, but superpe supports all cards, tried kiwi and paytm, both couldn't fetch the acc.