HDFC Bank Credit Card Against FD

Below mentioned are some of the best HDFC credit cards against FD with their features and benefits:

Tata Neu Plus HDFC Credit Card

Joining Fee: Rs. 499 + taxes (Nil via limited time offer)
Annual Fee: Rs. 499 + taxes
Minimum FD Amount: Rs. 15,000

Key Features:

• 2% Neu Coins on non-EMI Tata brand spends
• Up to 1% Neu Coins on non-Tata spends, merchant EMIs & UPI spends (via RuPay card) 
• Additional 5% NeuCoins on select Tata Neu category spends
• 4 complimentary domestic airport lounge visits per year

Tata Neu Infinity HDFC Bank Credit Card

Joining Fee: Rs. 1,499 + taxes (Nil via limited time offer)
Annual Fee: Rs. 1,499 + taxes
Minimum FD Amount: Rs. 15,000

Key Features:

• 5% Neu Coins on non-EMI Tata brand spends
• Up to 1.5% Neu Coins on non-Tata spends, merchant EMIs & UPI spends (via RuPay card) 
• Additional 5% NeuCoins on select Tata Neu category spends
• 8 complimentary domestic airport lounge visits per year
• 4 complimentary international airport lounge visits per year

HDFC Bank Pixel Play Credit Card

Joining Fee: Rs. 500 + taxes
Annual Fee: Rs. 500 + taxes

Key Features:

• 5% cashback on SmartBuy and any 2 category packs of choice: dining/entertainment (BookMyShow & Zomato), travel (MMT & Uber), grocery (Blinkit & Reliance Smart Bazaar), electronics (Croma & Reliance Digital), and fashion (Nykaa & Myntra)
• 3% cashback on any one: Amazon/Flipkart/PayZapp
• 1% cashback on other spends, including UPI spends via RuPay variant
• Joining fee waived on spending Rs. 20,000 within 90 days of card issuance
• Annual fee waived off on spending min. Rs. 1 lakh in the previous year

HDFC Bank Pixel Go Credit Card

Joining Fee: Rs. 250 + taxes
Annual Fee: Rs. 250 + taxes

Key Features:

• 5% cashback on Smartbuy spends on IGP, flights, hotels, bus, rail, instant vouchers and Apple Imagine Tresor
• 1% cashback on other spends, including UPI transactions via RuPay variant
• Joining fee waiver on spending Rs. 10,000 within 90 days of card issuance
• Annual fee waiver on spending min. Rs. 50,000 in the previous year

To be eligible for an HDFC Bank Credit Card against FD, you need to satisfy the following eligibility criteria:

• Resident: Indian
• Minimum Age: 18 years
• Income Proof: Not required
• Credit Score: Not required
• Minimum Fixed Deposit (FD) Amount: Varies from card to card

Step 1: Visit the official website of HDFC Bank or your nearest branch.

Step 2: Open a Fixed Deposit (FD) in your name (if not already held).

Step 3: Choose the FD amount to be kept as security (minimum usually starts from Rs. 15,000).

Step 4: Select the HDFC secured credit card that suits your needs.

Step 5: Submit the application online or at the branch.

Step 6: After successful verification, the card is issued with a credit limit of up to 90% of the FD amount.

What is an HDFC Bank secured credit card?
HDFC Bank secured credit card is issued against a fixed deposit. Credit limit is up to 90% of the FD, helping beginners build credit without requiring income proof or credit history. 

What is the minimum FD amount required?
The minimum FD amount starts from Rs. 15,000 for cards like Tata Neu Plus, Tata Neu Infinity, Pixel Play, and Pixel Go. FD acts as collateral for the secured credit card.

Is income proof required to apply?
No income proof is required for HDFC secured credit cards. The FD acts as security. Applicants do not need to show salary or tax documents, making these cards accessible for beginners.

What credit limit will I get on a secured card?
HDFC Bank provides a credit limit up to 90% of your FD. For example, a Rs. 50,000 FD can yield a maximum Rs. 45,000 credit limit on the secured card.

Can I earn rewards on secured credit cards?
Yes. Tata Neu Plus offers 2% NeuCoins on Tata spends, Pixel Play offers 5% cashback on SmartBuy and two categories, and Pixel Go offers 5% cashback on SmartBuy purchases.

Are lounge benefits available on secured variants?
Yes. Tata Neu Plus offers 4 complimentary domestic lounge visits yearly. Tata Neu Infinity provides 8 domestic and 4 international lounge visits per year, even on the secured FD-backed credit card.