FD Credit Cards under Rs, 2000

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About FD-backed Credit Cards

An FD-backed credit card issued against a fixed deposit (FD) kept with a bank. It is designed for consumers who are new-to-credit, have a low income, or do not have a credit history. The credit limit is usually linked to the FD amount, and the bank keeps the deposit as security. Many banks allow customers to start with a small FD, sometimes around Rs. 2,000, making these cards more accessible. These cards work like regular credit cards for payments, online shopping, and bill transactions. Using them responsibly and paying bills on time can help build a credit score and improve future eligibility for loans or unsecured credit cards.

Features and Benefits of FD-backed Credit Cards

Lets explore some of the best credit card against FD under Rs. 2,000

SBM Bank Paisabazaar Paisa+ Credit Card

FD Amount: Rs. 2,000

Annual Fee: Rs. 499 + Taxes

Key Features and Benefits

1.5% cashback (1.5 Cash Points for every Rs. 100) on online transactions for FD amount above Rs. 10,000
1% cashback (1 Cash Point for every Rs. 100) on online transactions for FD amount between Rs. 2,000 and Rs. 10,000
1% cashback (1 Cash Point on every Rs. 100) on offline spends
1% cashback on UPI spends above Rs. 2,000
Redeem the accumulated Cash Points at a value of 1 Cash Point = Rs. 1

SBM ZET Credit Card

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

Key Features and Benefits

Up to 20% off, max. Rs. 100 monthly on Swiggy & Zomato each
Up to 20% off, max. Rs. 200 monthly on Swiggy Instamart
Discount of Rs. 100 monthly on BookMyShow
5% cashback on Amazon and Flipkart vouchers
Up to 15% cashback on 80+ brands and platforms, including Dominos, PVR, Nykaa, Cleartrip, etc.

Kotak 811 Super Money Credit Card

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

Key Features and Benefits

5% cashback on non-UPI spends on Myntra
3% cashback on non-UPI spends on Cleartrip
2% cashback on non-UPI spends on Flipkart
1% cashback on all UPI spends
Low forex markup fee of 2%

Stable Money Suryoday Bank RuPay Credit Card

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

0.5% cashback on all card spends, including UPI transactions
Cashback capped at Rs. 3,000 for every statement cycle
Up to 8 complimentary domestic airport lounge visits per year
Fuel surcharge waiver on fuel transactions of up to Rs. 8,000

Utkarsh Super Money RuPay Credit Card

FD Amount: Rs. 500
Annual Fee: Nil

Key Features and Benefits

5% cashback on Myntra for transactions above Rs. 100
2% cashback on Flipkart for transactions above Rs. 100
1% cashback on UPI transactions above Rs. 100
1% cashback on non-UPI transactions above Rs. 100

Why Choose FD-backed Credit Cards?

Below mentioned are some of the reasons why consumers should go for FD-backed credit cards:

Easy to get approved, even without a credit history
Helps build and improve credit score
Requires a low starting deposit in some banks
Can be used for online and offline payments
Low risk option for first-time credit card consumers

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit card purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

Apply Now

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number in the application form

Step 2: Provide your personal details

Step 3: Enter OTP to verify your mobile number

Step 4: Select the credit card purpose and credit card amount

Step 5: Compare offers and apply for the best-suited credit card

Apply Now

FAQs

Can I get a credit card with an FD of just Rs. 2,000?

Yes, several banks now offer FD-backed credit cards starting from as low as Rs. 500 to Rs. 2,000. Options like SBM Paisa+ and SBM ZET require Rs. 2,000, while Kotak 811 and Stable Money cards start at Rs. 1,000.

Do FD-backed credit cards help improve credit score?

Yes, FD-backed credit cards report your repayment behaviour to credit bureaus. Paying dues on time and maintaining low utilisation can help first-time consumers to build a healthy credit score and improve eligibility for future unsecured loans and premium credit cards.

Which FD-backed credit card under Rs. 2,000 offers the best cashback?

SBM Paisa+ offers up to 1.5% cashback on online spends, while Kotak 811 Super Money offers 5% cashback on Myntra. Stable Money Suryoday Bank RuPay card also gives cashback on all spends, including UPI transactions.

Are FD-backed credit cards suitable for UPI payments?

Yes, many FD-backed RuPay credit cards support UPI payments. Cards like Stable Money Suryoday Bank RuPay and Utkarsh Super Money RuPay offer cashback on UPI transactions, making everyday payments like groceries, bills, and shopping more rewarding.

What happens to my FD after getting the credit card?

The FD remains locked with the bank as security against the credit limit. You continue earning FD interest during the tenure. Once the card is closed and outstanding dues are cleared, the FD amount is released back to you.