If you want a credit card but don’t meet the usual income or credit score requirements, an SBI Credit Card Against Fixed Deposit can be a great solution. This option lets you get a secured credit card SBI by opening a fixed deposit with the bank. Instead of relying on your income or credit history, the bank uses your FD as security — making approval quick and hassle-free.
With an SBI FD against credit card, you enjoy all the benefits of a regular credit card, such as online payments, rewards, and easy EMI options, while also building or improving your credit score. It’s a smart and safe way to start your credit journey without any financial stress.
Getting an SBI credit card against fixed deposit is one of the easiest ways to start your credit journey, especially if you have no credit score or a low one. These cards work as SBI secured credit cards, meaning your FD acts as security while you enjoy all the features of a regular credit card. The approval process is quick, there is no heavy documentation, and the credit limit usually goes up to 100% of your FD amount.
Here are the best options available when applying for an SBI credit card against FD:
SBI Credit Card Against Fixed Deposit 2025
1. SBI Advantage Plus Credit Card
The SBI Advantage Plus Credit Card is one of the most popular choices for customers looking for a secured credit card SBI. It is issued against a fixed deposit and offers rewards, cashback options, and easy EMI facilities.
Why it’s good:
- Minimum FD of ₹25,000
- Flexible credit limit linked to your FD
- Simple approval process
- Works well for building or repairing your credit score
- Attractive SBI credit card interest rate compared to unsecured cards
2. SBI Unnati Credit Card
The SBI Unnati Credit Card is another excellent option offered against an FD for individuals who need a starter credit card with almost zero financial risk.
What makes it a great pick:
- Zero annual fee for the first 4 years
- Easy approval with an FD of ₹25,000 or more
- Ideal for beginners and low-income users
- Helps increase your credit score with responsible usage
- Full digital application through SBI branches or online
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3. SBI SimplySAVE Secured Card
In some SBI branches, customers can request a SimplySAVE secured version, offered on the basis of a fixed deposit.
Best features:
- Great for everyday savings and reward points
- FD-backed credit limit with hassle-free approval
- Lower risk due to FD security
- Suitable for regular spenders who want rewards on groceries, dining, and fuel
Why These Are the Best Options?
All the above cards are designed to offer the same benefits as a normal credit card while keeping the process easy and secure through an FD. If you apply for an SBI FD against credit card, you get:
- Quick approval with no income proof required
- Guaranteed security for the bank, making approval easier
- A reliable way to build or rebuild your credit score
- Interest earned on your FD while you use the credit card
- Lower fees and better SBI credit card interest rate in most cases
Who Should Apply for an SBI Credit Card Against FD?
This option is perfect for:
- Students or first-time borrowers
- People with low or no credit score
- Salaried individuals who want a backup credit card
- Anyone wanting a safe, low-risk way to access credit
An SBI credit card against FD gives you financial flexibility without worrying about strict eligibility or high charges. It is one of the most affordable and secure ways to start using a credit card responsibly.
Benefits of Opting For an FD-Based Credit Card
- FD-based cards offer quick approval without income or credit score requirements, making them the best credit card against fixed deposit in India.
- You enjoy a lower credit card interest rate SBI compared to regular unsecured credit cards.
- The SBI Unnati Credit Card credit limit and other FD-backed limits are flexible, often up to 80–100% of your fixed deposit.
- They help build or improve your credit score with responsible usage and timely repayments.
- Your fixed deposit continues earning interest even while it serves as security for the credit card.
- High approval chances due to minimal risk for banks and very less documentation.
- You get full credit card benefits like rewards, cashback, and EMI options without strict eligibility rules.
- A safe and smart choice for beginners, students, and low-score users starting their credit journey.
- Controlled credit limits help prevent overspending while offering financial flexibility.
Eligibility Criteria for an SBI Credit Card Against Fixed Deposit (FD)
Getting an SBI credit card against fixed deposit is much easier than applying for a regular credit card. Since the FD acts as security, SBI keeps the requirements simple, making it convenient for first-time users, students, and people with low credit scores. Here are the basic eligibility criteria you need to meet before applying for an SBI credit card against FD:
1. You Must Have an Active Fixed Deposit With SBI: To apply for an SBI credit card against FD, you must maintain a fixed deposit in the bank. The FD amount should meet the minimum requirement set by SBI (usually ₹25,000 or more).
2. The FD Must Be Held for a Minimum Tenure: SBI generally requires the fixed deposit to have a minimum tenure of 1 year. Short-term FDs are not eligible for an SBI FD against credit card.
3. The FD Should Be Lien-Marked: Your FD will be lien-marked by the bank, meaning it cannot be withdrawn until the credit card is active and dues are cleared. This is the security that makes approval easy.
4. Applicant Must Be an Indian Resident: Only Indian residents holding a fixed deposit with SBI can apply for an SBI credit card against FD.
5. Minimum Age Requirement: Applicants must be at least 18 years old to qualify for an SBI secured credit card.
6. KYC Documents Are Mandatory: You must provide standard KYC documents such as:
- Aadhaar card
- PAN card
- Address proof
- Passport-size photo
These are required even though the card is issued against an FD.
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7. FD Should Not Be in Joint Name (in Most Cases): Most SBI branches require the FD to be in a single name when issuing a credit card against it. Joint FDs may not always be eligible unless all holders sign the consent.
8. No Existing Liens or Loans on the FD: The FD must be free from any previous lien or loan to qualify for an SBI credit card against FD.
What is the Minimum FD Amount Required For an SBI Credit Card?
To get an SBI secured credit card, you must open a fixed deposit with the bank that meets the minimum requirement. In most cases, SBI requires a minimum FD of ₹25,000 to issue a secured credit card SBI. This amount acts as the security for your credit limit and ensures quick approval even if you have a low or no credit score.
The minimum FD amount may vary slightly depending on the branch and the specific card type, but ₹25,000 is the standard starting point for most SBI FD-based cards like the SBI Unnati or Advantage Plus Card. The higher your FD, the higher the credit limit you may receive.
In short, with a simple ₹25,000 fixed deposit, you can easily qualify for an SBI secured credit card and start building your credit score without strict eligibility requirements.
How to Apply for an SBI Credit Card Against FD (Step-by-Step)
Applying for an FD-based credit card with SBI is one of the easiest ways to get guaranteed approval. Since your fixed deposit acts as security, SBI processes the request quickly, making this one of the best credit card against fixed deposit in India for beginners, students, and low-score users. Below is a simple step-by-step guide to help you apply without confusion.
Step 1: Open a Fixed Deposit With SBI
Visit your nearest SBI branch or use the SBI online banking platform to open an FD. The deposit amount should meet the minimum requirement—usually ₹25,000. This FD will determine your credit limit for products like the SBI Unnati Credit Card credit limit.
Step 2: Request an FD-Based Credit Card Application
Once your FD is active, ask the branch staff for an application for an SBI secured credit card. They will guide you on available options such as the SBI Unnati or Advantage Plus Card.
Step 3: Submit KYC Documents
Provide basic KYC documents like Aadhaar, PAN, and address proof. Even though the card is FD-backed, KYC verification is mandatory.
Step 4: Lien Marking on the FD
SBI will place a lien on your fixed deposit, meaning the FD cannot be withdrawn until the credit card account is active and all dues are cleared. This step ensures faster approval and lower credit card interest rate SBI compared to unsecured cards.
Step 5: Credit Limit Allocation
Based on your FD amount, SBI will assign your spending limit. For example, the SBI Unnati Credit Card credit limit generally goes up to 80–100% of your deposit.
Step 6: Card Processing and Dispatch
After verification, SBI processes your application. Your secured credit card is usually approved within a few working days and delivered to your registered address.
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Step 7: Activate and Start Using Your Card
Once you receive the card, activate it through SBI’s mobile app, website, or helpline. You can now enjoy rewards, EMI options, and secure spending limits backed by your FD.
What is the SBI Credit Card against FD limit?
The SBI credit card against FD limit usually ranges from 80% to 100% of your fixed deposit amount.
Is the SBI Unnati credit card issued against a fixed deposit?
Yes, the SBI Unnati credit card is available against an FD and is ideal for beginners or users with no credit history.
Can I do SBI Credit Card against FD online apply?
Yes, you can apply for an SBI credit card against FD online through SBI Net Banking or by visiting your nearest branch.
What is the SBI credit card against FD minimum amount required?
The minimum FD amount required is generally ₹25,000 to get an SBI secured credit card.
What is the SBI credit card against fixed deposit interest rate?
The interest rate depends on SBI’s standard FD rates, which continue to earn returns even when the FD is lien-marked.
What is the SBI Credit Card against FD interest rate for card usage?
The SBI credit card against FD interest rate is usually lower than unsecured cards, making it more affordable.
What is the SBI Unnati credit card limit?
The SBI Unnati credit card limit typically goes up to 80–100% of your fixed deposit value.
Can I get an SBI Unnati credit card against FD without income proof?
Yes, you can easily get an SBI Unnati credit card against FD as income proof is usually not required.
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