Best FD based credit card in India: Looking to build your credit score without income proof or a salary slip? A credit card on FD (Fixed Deposit) might be the ideal solution. These credit cards are backed by your fixed deposit, making them a smart and secure way to enjoy the benefits of a credit card while keeping your savings intact. Whether you’re a student, homemaker, or someone with a low credit score, an FD credit card offers easy approval and great flexibility. In this guide, we’ve listed the best credit cards against fixed deposit in India so you can choose the right one based on your deposit amount, benefits, and usage needs.
Top 10 Best FD Based Credit Cards in India 2026:
FD Based Credit Card | FD Offer (One-liner) | Annual Fees |
SBI Card Unnati | Get this card with just ₹25,000 FD and zero annual fee for 4 years. | 5th year onwards Rs.499 + taxes |
Axis Bank Insta Easy Credit Card | Available instantly against ₹20,000 FD with full credit card features. | Nil |
Kotak 811 #DreamDifferent Credit Card | Lifetime free card against ₹10,000 FD, no income proof required. | Nil |
ICICI Bank Instant Platinum Credit Card | Get this card by opening a ₹50,000 FD, enjoy cashback and fuel waiver. | Nil |
HDFC Bank Credit Card Against FD | Secured card available on ₹10,000 FD with up to 100% credit limit. | Varies on the card |
Suryoday SF Bank RuPay Platinum Secured Credit Card | Entry-level card available with just ₹1,000 fixed deposit. | Nil |
Bank of Baroda Prime Credit Card | Apply with ₹15,000 FD, get a lifetime free card with reward points. | Nil |
YES Bank Prosperity Rewards Plus Card (against FD) | Get reward benefits with a credit card backed by ₹50,000 FD. | Rs. 399 + GST |
Note: Fees & FD figures are subjected to change, visit offical site for updated information.
1. SBI Card Unnati:
If you’re new to credit cards or don’t have a credit history yet, the SBI Card Unnati can be the perfect first step. It’s a credit card aganist FD, meaning you don’t need income proof or a high credit score to apply. Just open a fixed deposit with SBI, and you can easily get this SBI secured credit card. It’s a smart and safe way to enjoy the benefits of a credit card while building your credit profile.
Whether you’re a student, a homemaker, or someone starting their financial journey, SBI Card Unnati is among the best credit cards against fixed deposit in India.
- No income proof needed
- Minimum FD of ₹25,000
- Credit limit up to 90% of FD
- No annual fee for first 4 years
- 1% fuel surcharge waiver – On fuel purchases between ₹500 to ₹3,000.
- Reward points on spends – Earn 1 reward point per ₹100 spent.
- Safe and secure – A great choice for beginners or those with no credit history.
Also Read: Top 10 Most Exclusive Credit Card In India April 2026
2. Axis Bank Insta Easy Credit Card:
If you’re looking for a simple and fast way to get a credit card without income proof, the Axis Bank Insta Easy Credit Card could be your best bet. It’s specially designed for people with no credit history or regular income. You just need to open a fixed deposit with Axis Bank, and based on that, your secured credit card is issued.
Whether you are a student, freelancer, or first-time card user, this FD based credit card from Axis Bank helps you build your credit score while enjoying all the benefits of a regular credit card.
- No income proof needed
- Minimum FD of ₹20,000
- Credit limit up to 80% of FD – Based on the amount of your fixed deposit.
- No joining or annual fee
- Earn EDGE reward points – Get rewarded on every eligible spend.
- EMI conversion option – Convert big purchases into easy monthly EMIs.
- Free add-on card – Extend the benefits to your family members.
- Build your credit score – Ideal for students, freelancers, and first-time users.
Suggestive Read: Top 10 Best Premium Credit Cards in India
3. Kotak 811 #DreamDifferent – Kotak Credit Card Against FD
If you’re looking for a credit card against fixed deposit that doesn’t require income proof, the Kotak 811 #DreamDifferent Credit Card is a great pick.
Whether you’re comparing with Axis credit card against FD, IDFC credit card against FD, or other secured credit cards in India, this one offers solid value with no annual fees and added rewards. Plus, it helps you build your credit score gradually — a smart move for long-term financial planning.
Kotak 811 #DreamDifferent Credit Card Offers:
- Minimum FD of ₹10,000 required
- Lifetime free card
- Credit limit up to 90% of your FD – Use your deposit smartly.
- No income documents needed – Ideal for people without a salary slip or IT returns.
- Earn 2 reward points per ₹100 spent – On online transactions.
- EMI facility available – Convert big purchases into manageable EMIs.
- Fuel surcharge waiver – Save money at the pump.
- Build or improve your credit score – A secured way to enter the credit system.
- Free add-on card – For your family members.
Suggestive Read: Top 10 Best Credit Card For Insurance Payment April 2026
4. ICICI Bank Instant Platinum Credit Card
Looking for a credit card against FD with instant approval? The ICICI Bank Instant Platinum Credit Card is a great choice. It’s a FD based credit card designed for those with no credit history, low income, or anyone looking to build or rebuild their credit score. .
It’s often rated among the best credit cards againstFD in India thanks to its reliability, instant issuance, and simple eligibility.
ICICI Bank Instant Platinum Credit Card Offers:
- Available against a minimum FD of ₹50,000 – Start small and build credit.
- Instant card approval – No waiting, get your card issued right away.
- No income documents needed – Just your FD is enough.
- Credit limit up to 85% of FD amount – Smart usage of your deposit.
- No annual fee in the first year – Minimal cost entry.
- Earn 2 reward points per ₹100 spent – On eligible transactions.
- Fuel surcharge waiver at select pumps – Save on every fill-up.
- Accepted globally – Shop in India or abroad.
- Helps build your credit score – Ideal for new-to-credit users.
5. HDFC Bank Credit Card Against FD
If you don’t have a credit score or regular income, getting a traditional credit card can be tough. But don’t worry—HDFC Bank Credit Card Against FD is one of the smartest options out there. It’s a credit card that gives you all the benefits of a regular credit card, backed by your FD.
HDFC Credit Card with FD – Features at a Glance:
- Instant approval with just an HDFC fixed deposit – No income proof required.
- Minimum FD of ₹10,000 – Start small and unlock credit.
- Credit limit up to 90% of your FD amount – Higher the deposit, better the limit.
- Zero risk to your savings – Your FD remains untouched.
- No annual fee on select variants – Enjoy the benefits at minimal cost.
- Reward points on every spend – Redeem for gifts, vouchers, and more.
- Fuel surcharge waivers – Save while refueling.
- Accepted worldwide – Make global payments easily.
- Improves your credit score – Perfect for building or rebuilding credit.
Suggestive Read: Top 10 Best Rupay Credit Cards in India
6. Suryoday SF Bank RuPay Platinum Secured Credit Card
Looking for a reliable credit card on FD that doesn’t require a credit score or salary proof? The Suryoday Small Finance Bank RuPay Platinum Secured Credit Card is a solid choice. It’s a FD based credit card that gives you all the perks of a regular credit card, backed by your FD. Whether you’re just starting out or trying to rebuild your credit, this card offers an easy and safe entry into the world of credit.
Key Benefits of Suryoday Bank RuPay Platinum Credit Card:
- No income proof required – Just open an FD and get your card approved.
- Minimum FD requirement starts as low as ₹1,000 – Affordable and accessible.
- Credit limit up to 90% of FD amount – Spend with flexibility and ease.
- RuPay Platinum benefits – merchant offers, and more.
- Builds or rebuilds credit score – Great for students, freelancers, and homemakers.
- 100% secured credit card – Your FD stays safe and earns interest.
- No joining or annual fee – Enjoy card benefits with zero maintenance cost.
- Contactless payments supported – Quick and secure tap-to-pay feature.
- Simple application process – Apply directly via Suryoday Bank’s nearest branch or website.
If you’re planning to explore secured cards, this one offers a balanced combination of security, features, and cost-effectiveness. It’s perfect for those starting their credit journey with a credit card against FD.
Don’t Miss This: Top 7 UPI Credits Cards April 2026
7. Bank of Baroda Prime Credit Card
Looking for a credit card on FD without worrying about income proof or high credit scores? The Bank of Baroda Prime Credit Card is a smart and safe choice. Designed for individuals with limited or no credit history, this fixed credit card is issued against a fixed deposit, making it a perfect entry-level credit option in India.
It’s not just secure—it’s also affordable, with no joining or annual charges, helping you enjoy credit benefits without extra costs.
Key Features of Bank of Baroda Prime Credit Card
- Issued against FD – No income proof required
- Minimum FD: ₹15,000
- Lifetime free card – No joining or annual fees
- Credit limit up to 90% of FD
- EMI conversion available on big purchases
- Helps build or rebuild your credit score
- Your FD keeps earning interest while you use the card
8. YES Bank Prosperity Rewards Plus Card (against FD)
Looking for a credit card against FD that not only builds your credit score but also gives exciting rewards? The YES Bank Prosperity Rewards Plus Credit Card is a great pick among FD-based credit cards in India. Whether you’re new to credit or looking to improve your CIBIL score, this card lets you enjoy credit features without the usual income proof or high eligibility criteria.
Key Features of YES Bank Prosperity Rewards Plus Credit Card (FD-Based)
- Backed by FD – No income documents required
- Minimum FD: ₹50,000 with YES Bank
- Credit limit of up to 90% of the deposit value
- Reward points on every spend (including online, travel, dining)
- No joining fee
- EMI options available for large purchases
- Helps build or improve your credit profile easily
If building your credit score while earning rewards is your goal, the YES Bank Prosperity Rewards Plus Credit Card against FD is a top choice.
Eligibilty Criteria | Who can apply for credit card against FD?
A FD based credit card is a secured credit card where your fixed deposit (FD) acts as collateral. Banks offer this type of card to help individuals access higher credit limits without a strong credit history.
Who Can Apply:
- Account Holders: You must have an active savings or fixed deposit account with the bank offering the card.
- Minimum Deposit: Most banks require a minimum FD amount, usually starting from ₹10,000 to ₹1 lakh, depending on the card type.
- Age Criteria: Applicants must typically be between 18 to 65 years of age.
- Income Proof: While FD backed credit cards don’t require high income, banks may ask for basic income documents to process the application.
Benefits:
- Easier approval even with limited credit history.
- Higher credit limit linked to your FD amount.
- Safer option for first-time credit card users.
Faq’s:
What is Paytm credit card against FD?
Paytm offers an FD-based credit card that’s easy to get without income proof, secured against a fixed deposit opened via the Paytm app.
Which is the best credit card against FD?
Top choices include SBI Unnati, HDFC Bank FD card, and YES Bank Prosperity Rewards Plus – all great FD-based credit cards.
Can I get a credit card on ₹2,000 FD?
Yes, you can get Suryoday SF Bank RuPay Platinum Secured Credit Card with Rs. 2000 FD.
What is a RuPay Credit Card against FD?
A RuPay FD-based credit card is secured by a fixed deposit and runs on the RuPay network, ideal for domestic usage.
Does SBI offer an FD credit card?
Yes, SBI FD credit card options like SBI Unnati are available without income proof, against an FD starting at ₹10,000.
Is a ₹5,000 FD enough to get a credit card?
Some small finance banks offer credit cards against ₹5,000 FD, but most large banks require higher deposits.
Add Comment