If you’ve ever faced credit card rejection because of low income or a poor credit score, there’s good news for you. Secured credit cards against fixed deposits (FDs) are the perfect solution!

Best Credit Card against FD in India

In this guide, I’ll personally walk you through

✅ What is a secured credit card?

✅ Benefits of getting a credit card against an FD

✅ Top banks offering the best secured cards in India

✅ How to apply + tips for approval

✅ Real use-case: How I helped my cousin build credit in 6 months

🔍 What is a Secured Credit Card?

A secured credit card is issued against a fixed deposit (FD) you open with a bank. Instead of checking your income or CIBIL score, the bank uses your FD as collateral.

💡 Example:

You open an FD of ₹10,000 → You get a credit card with a limit of ₹8,000–₹9,000.

✅ Benefits of Credit Cards Against FD

Here’s why people (including me) love these cards:

No Income Proof Required

No CIBIL Score? No Problem! Great for students or first-time applicants.

Helps Build or Repair Credit Score

Lower Risk of Rejection

Rewards, Cashback & Offers Just Like Regular Cards

FD Keeps Earning Interest!

🏆 Best Credit Card Against FD in India (Top Picks for 2025

Here’s a hand-picked list of the best-performing secured credit cards you can easily get in India

1. 🔷 SBM ZET Black Credit Card Click HERE to Apply

Minimum FD: ₹2,000

Credit Limit: Up to 100% of FD

Joining Fee: ₹0

Benefits:

FD keeps earning interest

1% cashback on all spends

Helps build CIBIL easily

My Take: Best for students or low FD users

2. 🟢 Click HERE Apply – SBI Unnati Credit Card

Minimum FD: ₹25,000

Credit Limit: 80–90% of FD

Joining Fee: Free for 4 years

Benefits:

Backed by SBI trust

Easy approval

CIBIL reporting

Best for: Beginners who want bank-backed service

3. 🔶 ICICI Bank Coral Credit Card Against FD

Minimum FD: ₹20,000

Annual Fee: ₹500 (reversible)

Benefits:

Airport lounge access

Movie ticket discounts

Reward points for spending

Best for: Urban users who want lifestyle perks

SBM FD Credit Card What is it & How to Get It? [2025 Full Guide]

4. 🔵 Click HERE Apply – Axis Bank Insta Easy Credit Card

Minimum FD: ₹20,000

Joining Fee: ₹0

Benefits:

Instant issuance

International transactions enabled

Fuel surcharge waiver

Best for: Frequent travellers

Best Credit Cards for College Students

5. 🟣 HDFC Bank MoneyBack Credit Card (FD Variant)

Minimum FD: ₹50,000

Annual Fee: ₹500 (waived on usage)

Benefits:

Cashback and rewards

HDFC SmartBuy discounts

CIBIL building

Best for: Those with higher FDs looking for long-term use

📋 Comparison Table

Card Name Min FD Fee Perks

SBM ZET Black ₹2,000 ₹0 1% cashback, no CIBIL needed
SBI Unnati ₹25,000 Free 4 yr Good for beginners
ICICI Coral ₹20,000 ₹500 Lounge, movies, rewards
Axis Insta Easy ₹20,000 ₹0 Fuel waiver, travel friendly
HDFC MoneyBack ₹50,000 ₹500 Cashback, SmartBuy offers

Best Credit Cards for College Students | Student Credit Card

💡 Personal Tip (My Cousin’s Experience)

Last year, my cousin (a student) had no credit history and no income, and every credit card application got rejected.

I helped him get the SBM ZET card with just ₹3,000 FD. Within six months of making timely payments, his CIBIL score increased from 0 to 725, and he subsequently received approval for a standard SBI card. Best Credit Card against FD in India

➡️ Moral? Even a small FD can help you enter the credit world safely and smartly.

🧾 How to Apply for a Credit Card Against an FD

Step-by-Step Guide:

1. Choose your bank and card

2. Open FD (online or offline)

3. Apply for a secured credit card (usually instant if KYC is done)

4. Activate the card once delivered

5. Start spending and repay on time!

👉 Most banks offer online applications through net banking or mobile apps.

❓ FAQs: Credit Card Against FD in India

Q1. Is income proof required?
➡️ No. FD is your proof of creditworthiness.

Q2. What if I default on payment?
➡️ The bank may recover dues from the FD. Always pay on time.

Q3. Can I increase my credit limit later?
➡️ Yes, by increasing your FD amount.

Q4. Is the CIBIL score affected?
➡️ Yes, positively if you repay on time.

Q5. Can students apply?
➡️ Absolutely! This is one of the best ways for students to start building credit.

🧠 Final Thoughts

Getting a credit card against an FD is like having training wheels for your financial journey. It’s safe, secure, and brilliant for:

First-time users

Students

Homemakers

Freelancers without formal income proof

👉 Whether you’re starting your credit journey or rebuilding it, choosing the best credit card against FD in India can give you a financial boost, without stress or rejection.