What is the sense of credit card if we get secured (against collateral such as FD) Credit cards. (With same credit limit)
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As you know when unknown consumer (First time credit user with n0 past credit history) are not so credit worthy in the eyes of some entities, NBFCs and banks, so to assure them for our credit worthiness for credit card we have to put some collateral.
So we can build a good credit score. -
We have to invest our money to save it in banking instruments such as FD and others. But the problem here is this that we have to lock our money. This investment is not liquid investment. What if we need some partial part of FD for few days but we cannot break our FD and not want to bear 1% withdrawal charges and penalties. Secured FD credit cards plays a crucial role here and makes liquidity of our locked investment.
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Cashback and refferal: Credit cards gives many offers and rewards like 1% on spending, welcome offers, 10% on bill, recharge payments upto Rs50-100.
Free airport lounge access-Rupay platinum
Accidental Insurance-Rupay Platinum
And many more shopping offer
Not only this we also get cashback on paying bill such as on cred on paying bill more than Rs 1000 (If you think given information is credit worthy then here is myrefferal link- i will get cashback 
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Some more references to understand cc-