If you want the convenience of a credit card but lack a high credit score or income proof, a Credit Card against FD HDFC can be your best solution. HDFC Bank allows customers to avail a secured credit card by opening a fixed deposit (FD). This product is designed for beginners, students, homemakers, or anyone struggling with a low CIBIL score but still wanting the power of a credit card.

In this detailed guide, we will explore everything you need to know about HDFC Credit Card against Fixed Deposit – its features, benefits, charges, eligibility, and the process to apply online.

What is Credit Card Against FD HDFC?

It’s issued against an FD, similar to a credit card, except for secured cards, which allow you to pledge your fixed deposit with HDFC Bank for collateral. Unlike regular credit cards, which determine eligibility by income and CIBIL rating, in this case, the FD is what secures the bank.

Minimum FD: ₹10,000 (varies with type of card)

Card Limit: 75% to 85% of the value of the FD

No Income Proof required

Useful to build credit history or fix errors in it

This really helps out first-time credit card applicants, freelancers, or folks with low CIBIL scores.

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Key Features of Credit Card Against FD HDFC

• Guaranteed Approval: Since your FD backs it, the chances of rejection are minimal.

• Credit Limit Linked to FD: Usually 75% to 85% of the FD amount.

• Interest Earnings Continue: Your FD continues to earn interest.

• Global Acceptance: Works like a regular credit card for shopping, dining, travel, and online purchases.

• Improves CIBIL Score: Timely repayment builds your credit profile.

• Emergency Use: Can be used for cash withdrawal with some charges.

Benefits of Credit Card Against FD HDFC

1. No Income Proof Needed
   Salaried slips or ITRs are not mandatory. Your FD itself is enough to get the card.

2. Builds Credit Score
   Ideal for beginners or people with low CIBIL scores to start their credit journey.

3. Attractive Rewards
   Depending on the card type, you can enjoy cashback, reward points, and offers.

4. Flexibility in Limit
   You can increase your card limit by increasing the FD value.

5. Safety Net for Bank
   Since it is secured, the bank risk is low, which is why approval is quick.

Eligibility for Credit Card Against FD HDFC

Must have a fixed deposit with HDFC Bank

Minimum FD value generally ₹10,000

Age: 18 years & above

Indian residents only

Valid KYC documents

Documents Required

Aadhaar / PAN Card

Passport-size photo

Proof of FD (auto-linked if opened with HDFC Bank)

Address proof

Types of HDFC Credit Card Against FD

HDFC offers multiple secured credit card variants, depending on your FD and preference. Some popular ones are:

1. HDFC Bank EasyShop Platinum Card

Minimum FD: ₹10,000

Credit limit up to 80% of the FD

Reward points on every spend

2. HDFC Bank Freedom Credit Card (Against FD)

Great for lifestyle and shopping benefits

Welcome rewards & cashback offers

Movie & dining discounts

3. HDFC Bank MoneyBack Card (Against FD)

Cashback on online spending

Reward redemption options

No complicated eligibility

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Charges

Joining Fee: Nil (for most FD-linked cards)

Annual Fee: Ranges from ₹500 – ₹1,000 (waived on particular spends)

Finance Charges: ~3.6% per month if not paid on time

Cash Advance Fee: 2.5% of the amount (min ₹500)

Late Payment Fee: ₹100 onwards, depending on the due amount

How Does an HDFC Credit Card Against an FD Help Improve Your Credit Score?

Many people struggle with a poor CIBIL score and face rejection for loans or cards. Using an HDFC Credit Card against an FD can be the easiest way to rebuild your credit history. By paying bills on time and keeping utilization below 30%, you can improve your CIBIL within 6–12 months.

Step-by-Step Process to Apply Online

Minimal documentation is required. Simple form HDFC’s credit card against FD, Their website provides an online facility to submit a completed application form to a fixed deposit receipt of ₹10,000 or applicable as required for the desired card type Open FD account in the name of the applicant with HDFC Bank if not done Visit the HDFC Bank website Choose “Credit Card against FD” Fill in your card type (EasyShop, Freedom, MoneyBack, etc.) Provide KYC and FD account number. Dispatched within 7–10 days post verification

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Who Should Take an HDFC Credit Card Against an FD?

• Students & Freshers: No income proof required.
• Homemakers: Get credit power using husband’s FD.
• Freelancers: No fixed salary needed.
• Low CIBIL Score Applicants: Start repairing your credit history.

Pros and Cons of Credit Card Against FD HDFC

✅ Pros

• Easy approval
• Builds CIBIL
• FD continues to earn interest.
• Flexible credit limit

❌ Cons

• FD lien until card closure
• Penalty on FD break before maturity
• Finance charges will be applied if dues are not paid.

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Tips to Use a Credit Card Against an FD Wisely

• Always pay the whole bill on time.
• Keep utilization below 30% of the limit.
• Avoid frequent cash withdrawals.
• Use for small recurring payments to build history.
• Upgrade later to unsecured HDFC credit cards.

FAQs on Credit Card Against FD HDFC

Q1. What is the minimum FD amount required?
Ans: Usually ₹10,000 depending on card type.

Q2. Do I lose FD interest if I take a credit card?
Ans: No, FD continues to earn interest.

Q3. Can I close FD before maturity?
Ans: Yes, but the card will be cancelled, and a penalty may apply.

Q4. Can students apply for an HDFC Credit Card against an FD?
Ans: Yes, students above 18 years can apply with KYC.

Q5. Is a CIBIL score mandatory?
Ans: No, approval does not depend on CIBIL score.

Conclusion – Credit Card Against FD HDFC

A Credit Card against an FD HDFC is one of the most innovative ways to enter the world of credit cards, with almost guaranteed approval. It gives you the power of plastic money while your FD keeps growing. Whether you are a student, homemaker, freelancer, or someone looking to rebuild credit history, this secured card can be the perfect choice.