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Seeking the best credit card against an FD in India? You’ve got to be kidding me! Well, not really. But if you do not have an appropriate income or CIBIL score, one of the best ways to start on the journey of availing a credit card is by getting an FD-backed credit card.
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These are issued against your FD; thus, all credit card benefits can be availed without any fear of rejection. Cash back, reward points, fuel discounts, airport lounge access – you name it, the FD credit card has it! Even if you’re a student, a housewife, or using credit cards for the first time, leading banks such as SBI, ICICI, and Axis Bank offer fantastic secured credit cards with minimal deposit requirements.
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The best part? The interest on your FD will be applied to the card swiped for your day-to-day purchases. Hence, it’s a triple-benefit deal. Spend judiciously to enhance your credit rating and, at the same time, allow your savings to keep bulging. So, without wasting any further time, let us dive into the list of India’s best credit card against FD in India, which offer the highest possible value and easy approval.
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 the 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
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
💡 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:
- Choose your bank and card
-
Open FD (online or offline)
-
Apply for a secured credit card (usually instant if KYC is done)
-
Activate the card once delivered
-
Start spending and repay on time!
👉 Most banks offer online applications through net banking or mobile apps.
❓ FAQs: Best 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. best credit cards against FD in India
Disclaimer: This article is for educational and informational purposes only. Credit card offers, features, and approvals vary by bank and applicant eligibility. Readers should verify details with the official bank website before applying; no financial advice or guarantee is provided.
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