Top 5 Lowest FD Requirement Credit Cards in India

1. Utkarsh SuperCard RuPay Credit Card

Minimum FD Amount: Rs. 500
Annual Fee: Nil

Key Features and Benefits:

• 5% cashback on Myntra for spends above Rs. 100, up to Rs. 500 per month
• 2% cashback on Flipkart for spends above Rs. 100, up to Rs. 500 per month
• 1% cashback on UPI spends above Rs. 100, up to Rs. 500 per month
• 1% cashback on non-UPI spends above Rs. 100, up to Rs. 10,000 per month 

2. Stable Money Suryoday Credit Card

Minimum FD Amount: Rs. 1,000
Annual Fee: Nil

Key Features and Benefits:

• 0.5% cashback on all card spends, including UPI transactions
• Cashback capped at Rs. 3,000 for every month
• Up to 8 free domestic airport lounge visits per year, capped at 2 visits per quarter

3. Kotak811 Super Money Credit Card

Minimum FD Amount: Rs. 1,000
Annual Fee: Nil

Key Features and Benefits:

• Flat 5% cashback on non-UPI spends on Myntra, on a min. spend of Rs. 100, capped at 500 per month
• Flat 3% cashback on non-UPI spends on Cleartrip, on a min. spend of Rs. 100, capped at 500 per month
• Flat 2% cashback on non-UPI spends on Flipkart on a min. spend of Rs. 100, capped at 500 per month
• Flat 1% cashback on all UPI spends

4. SBM Bank Paisabazaar Paisa+ Credit Card

Minimum FD Amount: Rs. 2,000
Annual Fee: Rs. 499 + Taxes 

Key Features and Benefits:

• 1.5% cashback (1.5 Cash Points per Rs. 100) on online transactions for FD amount above Rs. 10,000
• 1% cashback (1 Cash Point per Rs. 100) on online spends for FD amount between Rs. 2,000 and Rs. 10,000
• 1% cashback (1 Cash Point per Rs. 100) on offline transaction
• 1% cashback on UPI spends above Rs. 2,000

5. SBM ZET Credit Card

FD Amount: Rs. 2,000
Annual Fee: Nil

Key Features and Benefits:

• Up to 20% off on Swiggy & Zomato each, twice a month
• Up to 20% off on Swiggy Instamart, twice a month (Discount of Rs. 100 per month on BookMyShow, once a month (Applicable on min. transaction value of Rs. 1,000)
• 5% cashback on Amazon and Flipkart vouchers
• Up to 15% cashback on 80+ brands and platforms, like Dominos, PVR, Nykaa, Cleartrip, etc.

Step 1: Open a fixed deposit (FD) account with the bank from which you intend to get the secured credit card.
Step 2: Ensure that the bank offers credit cards against fixed deposits.
Step 3: Apply for the credit card through the bank’s website, mobile banking app, or by visiting a branch.
Step 4: Submit the required KYC documents along with details of your fixed deposit for verification.
Step 5: The bank will review your application, verify your FD and personal information, and process the request.
Step 6: Once approved, you will receive your credit card, which you can activate and use within the credit limit linked to your FD.