Credit Card Against FD (FD Credit Card)

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Why Choose Paisabazaar ?

Compare India’s best credit cards against FDs

Explore FD credit cards from leading banks

Make everyday payments rewarding

Earn rewards or cashback on every spend

Pre-qualified offers with no paperwork

Enjoy a seamless, fully digital application experience

Google Play Store

4.5_/5

15.6L Reviews

5.7Cr+Happy Customers

2 M+Cards Issued

100+ CardsMultiple Choices

What is a Credit Card Against FD?

A credit card against fixed deposit or FD is a secured credit card. Having a fixed deposit account is the prerequisite of getting a credit card against FD. Many banks offer such cards, like SBM ZET Credit Card, with their FDs. The prime feature of this credit card is that the linked FD is lien marked, i.e. acts as collateral. The credit limit is generally 80%-90% of the FD amount. It should be noted that the lien-marked FD keeps on earning interest.

In case the cardholder misses the payment of the monthly credit bill, the bank can redeem the linked FD to recover the outstanding amount. Fees and charges on an FD credit card are usually lower than an unsecured card and these cards are easily approved.

Explore Other Credit Cards Against Fixed Deposits

Federal SimpliFi Fi Credit Card

Joining Fee: ₹ 0

Shopping

Fd-backed

Rewards

3x rewards on every weekend spends
Up to 20% off on popular brands like Zomato, District by Zomato& BookMyShow on weekends

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*Terms & Conditions

Axis Bank MY ZONE EASY Credit Card

Joining Fee: ₹ 500

Fd-backed

Movies

Rewards

4 EDGE reward points per Rs. 200 spent domestically
25% cashback on online and box office movie ticket purchases

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SBI Unnati Credit Card

Joining Fee: ₹ 0

Fd-backed

Rewards

1 Reward Point for every Rs. 100 spent
Rs. 500 cashback on reaching Rs. 50,000 annual spends

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IDFC FIRST WOW! Credit Card

Joining Fee: ₹ 0

Fd-backed

Lifetime Free

Rewards

Zero forex markup fee
4X reward points on online, offline and international spends

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SBM novio Credit Card

Joining Fee: ₹ 0

Fd-backed

Rewards

Low forex markup fee of 2.49%
Up to 10X Novio Coins on fuel spends

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IDBI Bank Imperium Platinum Credit Card

Joining Fee: ₹ 499

Fd-backed

Rewards

2 Delight Points per Rs. 150 spent on shopping, movies, traveling etc
500 points on Rs. 1,500 spend in 30 days, or 300 points if spent within 31–90 days of card activation

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SBM OneCard Credit Card

Joining Fee: ₹ 0

Fd-backed

Rewards

1 Reward Point for every Rs. 50 spend
Purchases under Rs. 50 earns fractional points (e.g., Rs. 25 earns 0.5 points)

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*Terms & Conditions

Explore Best FD-backed Credit Cards for Students

SBM Bank Paisabazaar Paisa+ Credit Card

Joining Fee: ₹ 0

Fd-backed

Cashback

Online Shopping

Up to 1.5% cashback on online spends
1% cashback on offline and UPI spends

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IDFC FIRST EARN Credit Card

Joining Fee: ₹ 0

Fd-backed

Movies

Cashback

Up to 8% bonus cashback on travel spends
1% cashback on UPI spends via IDFC FIRST Bank mobile app

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HDFC PIXEL Go FD Credit Card

Joining Fee: ₹ 250

Fd-backed

Cashback

Up to 25% off on partner restaurants through Swiggy Dineout
5% cashback on Smartbuy

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*Terms & Conditions

AU NOMO Credit Card

Joining Fee: ₹ 199

Fd-backed

Rewards

Low forex markup fee of 0.99%
2 Reward Points per Rs. 100 on retail purchases

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HDFC PIXEL Play FD Credit Card

Joining Fee: ₹ 0

Fd-backed

Rewards

5% cashback on your choice of two packs
5% cashback on spends at Smartbuy

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Who Should Apply for Credit Card Against Fixed Deposit?

A secured credit card against FD is an ideal choice for those who:

Need a credit card but are unable to get one
Have an irregular income (or source of income)
Have a poor credit history/no history
Do not have an income proof
Freelancers, homemakers, etc.
Have an entry-level jobs (with low income)

Directly from Expert

At Paisabazaar, we believe access to credit should be simple, transparent, and inclusive — especially in a diverse market like Bharat. My team and I are focused on building a platform that offers wide credit card choices with a seamless digital experience, suiting the needs of first-time users as well as card-savvy users. With the trust of 50 million+ customers, we’re redefining how India chooses credit cards — making it faster, safer, and more personalised than ever.

Santosh Agarwal

CEO, Paisabazaar

Benefits of Credit Card Against FD

Those who have a bad credit history or an irregular income often find it difficult to get a credit card. In such cases, customers who have a fixed deposit can use their FD against which credit cards can be issued. An FD Credit Card is a suitable option for first-time users who want to build credit without any rejection.

The following are some of the highlights of credit cards issued against fixed deposits:

Credit limit not decided by the bank; depends on FD deposit amount (generally 80% – 90% of the FD amount)
A fairly low fee charged or no fee charged by some banks
Lower interest rates as compared to unsecured credit cards
No income proof required
No credit score required but helps build one
No cumbersome paperwork
Instantly accessible like certain virtual credit cards

The above mentioned features of cards against fixed deposits make them more easily accessible for those who are beginning their credit journeys or need to build their credit score. For instance, SBM ZET Credit Card is a lifetime free FD credit card offered against an FD of min. Rs. 2,000 and does not require any credit history, income proof or any other documentation.

Also Check:Best Credit Cards in India 2026

FD-Backed Credit Cards by Banks

Here is the list of popular issuers offering FD credit cards:

Popular Issuers
SBI FD Credit Card	HDFC Bank FD Credit Card	ICICI Bank FD Credit Card
Axis Bank FD Credit Card	Kotak Mahindra Bank FD Credit Card	IDFC FIRST Bank FD Credit Card
Yes Bank FD Credit Card	SBM Bank FD Credit Card	AU Small Finance Bank FD Credit Card
IndusInd Bank FD Credit Card	RBL Bank FD Credit Card	Federal Bank FD Credit Card
HSBC FD Credit Card	PNB FD Credit Card	Canara Bank FD Credit Card

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Credit Card Partners

Compare Popular Credit Cards Against Fixed Deposits

Joining Fee: ₹ 199 onwards

Fd-backed

Rewards

Joining Fee: ₹ 0 onwards

Fd-backed

Cashback

Online Shopping

icon image of IDFC FIRST EARN Credit Card

Joining Fee: ₹ 0 onwards

Fd-backed

Movies

Cashback

icon image of Kotak811 Super Money Credit Card

Joining Fee: ₹ 0 onwards

Travel

Fd-backed

Cashback

icon image of IDFC FIRST WOW! Credit Card

Joining Fee: ₹ 0 onwards

Fd-backed

Lifetime Free

Rewards

Joining Fee: ₹ 0 onwards

Fd-backed

Rewards

Joining Fee: ₹ 500 onwards

Online Shopping

icon image of Axis Bank Privilege Easy Credit Card

Joining Fee: ₹ 1500 onwards

Fd-backed

Rewards

FAQs

Which bank gives a credit card against a fixed deposit?

There are a number of banks that offer credit cards against fixed deposits. Some of the best FD credit cards are SBM ZET Credit Card, IDFC FIRST Bank EARN Credit Card, Kotak 811 #DreamDifferent Credit Card, AU NOMO Credit Card, IDFC FIRST WOW! Black Credit Card and IDFC FIRST WOW! Credit Card

What is the difference between an unsecured credit card and a credit card against FD?

An unsecured credit card is one that is issued without collateral. Such cards charge high fees and are offered only to those who meet the concerned bank’s eligibility criteria. Also, a good credit score and a regular income source are two vital factors for getting an unsecured credit card. Whereas a credit card against FD is a secured credit card, i.e. it is a lien marked against a fixed deposit. This FD is maintained in the concerned bank which issues this type of credit card. Factors like low/no credit score or no income proof do not affect such a card’s eligibility criteria.

Can foreigners get a credit card against FD?

No, banks do not extend this facility to foreign nationals.

Can I get 100% of my FD amount as a credit card limit?

Generally, banks provide up to 80% of the fixed deposit amount as the credit limit.

Can I use my FD credit card to withdraw cash at ATMs?

Yes, most of the banks allow ATM withdrawals. Credit cards against fixed deposits are secured credit cards issued against the Fixed Deposit of an applicant. The credit limit on these cards is usually 80%-90% of the FD amount.

I do not have income proof. Can I get a credit card?

Yes, if you have a fixed deposit and your bank gives a credit card against it, you can go ahead and get a credit card against FD.

What is the minimum Fixed Deposit amount for a credit card?

The minimum fixed deposit amount for a secured credit card varies from one bank to another. For instance, SBM Bank (India) Ltd. offers SBM ZET credit card against FD with a minimum deposit amount of Rs. 2,000.

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No, most issuers do not require a minimum credit score to issue an FD credit card because the card is secured against your fixed deposit. However, the approval criteria may vary across issuers and standard KYC requirements still apply.

Can a FD Credit Card help improve my CIBIL score?

Yes, an FD Credit Card can help improve your CIBIL score when used responsibly. Making timely bill payments and maintaining low credit utilization can gradually build a positive credit history.

How Does a credit card against FD work?

An FD Credit Card is issued against the amount kept in a fixed deposit, which acts as collateral for the issuer. For example, if you open an FD of Rs. 50,000, the issuer may offer a credit limit of around 80%–90% of the deposit amount, depending on its policy.

How does the credit limit on an FD-backed card work?

The credit limit on an FD-backed card is generally determined as a percentage of your fixed deposit amount. A higher FD value can lead to a higher available credit limit, subject to the issuer’s terms.

Can I get a credit card against FD with no credit history?

Yes, consumers with no credit history can usually apply for an FD credit card because approval is linked to the deposit instead of past borrowing behaviour. This makes it suitable for first-time credit users.

Can self-employed individuals apply for a credit card against FD?

Yes, self-employed individuals can apply for a credit card against FD if they meet the issuer’s eligibility requirements and open the required fixed deposit.

Can students apply for a credit card against fixed deposit?

Yes, students can apply for a credit card against fixed deposit if they meet the age and KYC requirements of the issuer. Since approval is FD-backed, these cards can be easier to access than regular credit cards.

Are reward points offered on secured credit cards?

Yes, many secured credit cards offer reward points, cashback, discounts, and other benefits similar to unsecured cards. The rewards structure depends on the card issuer and variant selected.

What happens if I fail to pay the dues on my FD-backed credit card?

If dues remain unpaid, the issuer may charge late payment fees and report missed payments to credit bureaus, which can affect your credit score. In prolonged default cases, the issuer may recover outstanding dues from the linked fixed deposit as per applicable terms.

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Credit Card Against FD (FD Credit Card)

Why Choose Paisabazaar ?

Best Credit Cards Against Fixed Deposits in India for 2026

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SBM Bank Paisabazaar Paisa+ Credit Card

Utkarsh SuperMoney RuPay Credit Card

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Tata Neu Infinity HDFC Bank Credit Card

Kotak811 Super Money Credit Card

AU NOMO Credit Card

Kotak811 DreamDifferent Credit Card

Axis Bank Privilege Easy Credit Card

Why Choose Paisabazaar ?

What is a Credit Card Against FD?

Explore Other Credit Cards Against Fixed Deposits

Federal SimpliFi Fi Credit Card

Axis Bank MY ZONE EASY Credit Card

SBI Unnati Credit Card

IDFC FIRST WOW! Credit Card

SBM novio Credit Card

IDBI Bank Imperium Platinum Credit Card

SBM OneCard Credit Card

Explore Best FD-backed Credit Cards for Students

SBM Bank Paisabazaar Paisa+ Credit Card

IDFC FIRST EARN Credit Card

HDFC PIXEL Go FD Credit Card

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HDFC PIXEL Play FD Credit Card

Who Should Apply for Credit Card Against Fixed Deposit?

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