{"id":471,"date":"2026-03-18T06:38:54","date_gmt":"2026-03-18T06:38:54","guid":{"rendered":"https:\/\/blog.cardgrid.in\/blog\/?p=471"},"modified":"2026-04-08T10:32:39","modified_gmt":"2026-04-08T10:32:39","slug":"best-credit-card-against-fixed-deposit-in-india","status":"publish","type":"post","link":"https:\/\/cardgrid.in\/blog\/best-credit-card-against-fixed-deposit-in-india\/","title":{"rendered":"Top 10 Best FD Based Credit Cards in India 2026"},"content":{"rendered":"<p class=\"p1\"><strong>Best FD based credit card in India:<\/strong> Looking to build your credit score without income proof or a salary slip? A <b>credit card on FD<\/b> (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\u2019re a student, homemaker, or someone with a low credit score, an <b>FD credit card<\/b> offers easy approval and great flexibility. In this guide, we\u2019ve listed the <b>best credit cards against fixed deposit in India<\/b> so you can choose the right one based on your deposit amount, benefits, and usage needs.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_74 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-against-fixed-deposit-in-india\/#Top_10_Best_FD_Based_Credit_Cards_in_India_2026\" >Top 10 Best FD Based Credit Cards in India 2026:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-against-fixed-deposit-in-india\/#1_SBI_Card_Unnati\" >1. SBI Card Unnati:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-against-fixed-deposit-in-india\/#2_Axis_Bank_Insta_Easy_Credit_Card\" >2. Axis Bank Insta Easy Credit Card:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-against-fixed-deposit-in-india\/#3_Kotak_811_DreamDifferent_%E2%80%93_Kotak_Credit_Card_Against_FD\" >3. Kotak 811 #DreamDifferent &#8211; Kotak Credit Card Against FD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-against-fixed-deposit-in-india\/#4_ICICI_Bank_Instant_Platinum_Credit_Card\" >4. ICICI Bank Instant Platinum Credit Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-against-fixed-deposit-in-india\/#5_HDFC_Bank_Credit_Card_Against_FD\" >5. HDFC Bank Credit Card Against FD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-against-fixed-deposit-in-india\/#6_Suryoday_SF_Bank_RuPay_Platinum_Secured_Credit_Card\" >6. Suryoday SF Bank RuPay Platinum Secured Credit Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-against-fixed-deposit-in-india\/#7_Bank_of_Baroda_Prime_Credit_Card\" >7. Bank of Baroda Prime Credit Card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-against-fixed-deposit-in-india\/#8_YES_Bank_Prosperity_Rewards_Plus_Card_against_FD\" >8. YES Bank Prosperity Rewards Plus Card (against FD)<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-against-fixed-deposit-in-india\/#Eligibilty_Criteria_Who_can_apply_for_credit_card_against_FD\" >Eligibilty Criteria | Who can apply for credit card against FD?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-against-fixed-deposit-in-india\/#Faqs\" >Faq&#8217;s:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<h2><span class=\"ez-toc-section\" id=\"Top_10_Best_FD_Based_Credit_Cards_in_India_2026\"><\/span><span style=\"color: #000080;\">Top 10 Best FD Based Credit Cards in India 2026:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table class=\"t1\" cellspacing=\"0\" cellpadding=\"0\">\n<tbody>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\"><strong>FD Based Credit Card<\/strong><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\"><b>FD Offer (One-liner)<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p1\"><b>Annual Fees<\/b><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\"><b>SBI Card Unnati<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Get this card with just \u20b925,000 FD and zero annual fee for 4 years.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">5th year onwards Rs.499 + taxes<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\"><b>Axis Bank Insta Easy Credit Card<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Available instantly against \u20b920,000 FD with full credit card features.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Nil<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\"><b>Kotak 811 #DreamDifferent Credit Card<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Lifetime free card against \u20b910,000 FD, no income proof required.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Nil<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\"><b>ICICI Bank Instant Platinum Credit Card<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Get this card by opening a \u20b950,000 FD, enjoy cashback and fuel waiver.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Nil<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\"><b>HDFC Bank Credit Card Against FD<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Secured card available on \u20b910,000 FD with up to 100% credit limit.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Varies on the card<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\"><b>Suryoday SF Bank RuPay Platinum Secured Credit Card<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Entry-level card available with just \u20b91,000 fixed deposit.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Nil<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\"><b>Bank of Baroda Prime Credit Card<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Apply with \u20b915,000 FD, get a lifetime free card with reward points.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Nil<\/p>\n<\/td>\n<\/tr>\n<tr>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\"><b>YES Bank Prosperity Rewards Plus Card (against FD)<\/b><\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Get reward benefits with a credit card backed by \u20b950,000 FD.<\/p>\n<\/td>\n<td class=\"td1\" valign=\"top\">\n<p class=\"p2\">Rs. 399 + GST<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: center;\"><em>Note: Fees &amp; FD figures are subjected to change, visit offical site for updated information.<\/em><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_SBI_Card_Unnati\"><\/span><span style=\"color: #000080;\">1. SBI Card Unnati:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-473 size-full\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/credit-card-against-fd.png\" alt=\"credit card against fd\" width=\"349\" height=\"218\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/credit-card-against-fd.png 349w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/credit-card-against-fd-300x187.png 300w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/credit-card-against-fd-320x200.png 320w\" sizes=\"auto, (max-width: 349px) 100vw, 349px\" \/><\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-apply-now\" href=\"https:\/\/www.sbicard.com\/en\/personal\/credit-cards\/sbi-card-unnati.html?utm_source=cardgrid&#038;utm_medium=blog&#038;utm_campaign=fdcards\"><span class='mb-text'>Apply Now<\/span><\/a>\n<p class=\"p1\">If you\u2019re new to credit cards or don\u2019t have a credit history yet, the <b>SBI Card Unnati<\/b> can be the perfect first step. It\u2019s a <b>credit card aganist FD<\/b>, meaning you don\u2019t need income proof or a high credit score to apply. Just open a fixed deposit with SBI, and you can easily get this <b>SBI secured credit card<\/b>. It&#8217;s a smart and safe way to enjoy the benefits of a credit card while building your credit profile.<\/p>\n<p class=\"p1\">Whether you&#8217;re a student, a homemaker, or someone starting their financial journey, <b>SBI Card Unnati<\/b> is among the <b>best credit cards against fixed deposit<\/b> in India.<\/p>\n<ul>\n<li class=\"p1\">No income proof needed<\/li>\n<li class=\"p1\">Minimum FD of \u20b925,000<\/li>\n<li class=\"p1\">Credit limit up to 90% of FD<\/li>\n<li class=\"p1\">No annual fee for first 4 years<\/li>\n<li class=\"p1\">1% fuel surcharge waiver \u2013 On fuel purchases between \u20b9500 to \u20b93,000.<\/li>\n<li class=\"p1\">Reward points on spends \u2013 Earn 1 reward point per \u20b9100 spent.<\/li>\n<li class=\"p1\">Safe and secure \u2013 A great choice for beginners or those with no credit history.<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><em><span style=\"text-decoration: underline;\"><strong>Also Read: <a href=\"https:\/\/cardgrid.in\/blog\/most-exclusive-credit-card-in-india\/\">Top 10 Most Exclusive Credit Card In India May 2026<\/a><\/strong><\/span><\/em><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Axis_Bank_Insta_Easy_Credit_Card\"><\/span><span style=\"color: #000080;\">2. Axis Bank Insta Easy Credit Card:<\/span><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-474 size-full\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/fd-credit-card.jpeg\" alt=\"fd based credit card\" width=\"259\" height=\"194\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/fd-credit-card.jpeg 259w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/fd-credit-card-74x55.jpeg 74w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/fd-credit-card-111x83.jpeg 111w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/fd-credit-card-215x161.jpeg 215w\" sizes=\"auto, (max-width: 259px) 100vw, 259px\" \/><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-apply-now\" href=\"https:\/\/digitalbanking.axis.bank.in\/vkyc-fd\/user-journey?utm_source=cardgrid&#038;utm_medium=blog&#038;utm_campaign=fdcards\"><span class='mb-text'>Apply Now<\/span><\/a>\n<p class=\"p1\">If you&#8217;re looking for a simple and fast way to get a credit card without income proof, the <b>Axis Bank Insta Easy Credit Card<\/b> could be your best bet. It\u2019s 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.<\/p>\n<p class=\"p1\">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.<\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">No income proof needed<\/li>\n<li class=\"li1\">Minimum FD of \u20b920,000<\/li>\n<li class=\"li1\">Credit limit up to 80% of FD \u2013 Based on the amount of your fixed deposit.<\/li>\n<li class=\"li1\">No joining or annual fee<\/li>\n<li class=\"li1\">Earn EDGE reward points \u2013 Get rewarded on every eligible spend.<\/li>\n<li class=\"li1\">EMI conversion option \u2013 Convert big purchases into easy monthly EMIs.<\/li>\n<li class=\"li1\">Free add-on card \u2013 Extend the benefits to your family members.<\/li>\n<li class=\"li1\">Build your credit score \u2013 Ideal for students, freelancers, and first-time users.<\/li>\n<\/ul>\n<blockquote>\n<p style=\"text-align: center;\"><em><strong>Suggestive Read: <a href=\"https:\/\/cardgrid.in\/blog\/best-premium-credit-cards\/\">Top 10 Best Premium Credit Cards in India<\/a><\/strong><\/em><\/p>\n<\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"3_Kotak_811_DreamDifferent_%E2%80%93_Kotak_Credit_Card_Against_FD\"><\/span><span style=\"color: #000080;\">3. Kotak 811 #DreamDifferent &#8211; K<span data-sheets-root=\"1\">otak Credit Card Against FD<\/span><\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" size-medium wp-image-475 aligncenter\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/best-credit-card-against-fixed-deposit-in-india-293x300.png\" alt=\"best credit card against fixed deposit in india\" width=\"293\" height=\"300\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/best-credit-card-against-fixed-deposit-in-india-293x300.png 293w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/best-credit-card-against-fixed-deposit-in-india.png 600w\" sizes=\"auto, (max-width: 293px) 100vw, 293px\" \/><\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-apply-now\" href=\"https:\/\/creditcard-on-fd.kotak811.bank.in\/?utm_source=cardgrid&#038;utm_medium=blog&#038;utm_campaign=fdcards\"><span class='mb-text'>Apply Now<\/span><\/a>\n<p class=\"p1\">If you&#8217;re looking for a credit card against fixed deposit that doesn\u2019t require income proof, the Kotak 811 #DreamDifferent Credit Card is a great pick.<\/p>\n<p class=\"p1\">Whether you&#8217;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 \u2014 a smart move for long-term financial planning.<\/p>\n<p class=\"p3\"><b>Kotak 811 #DreamDifferent Credit Card Offers:<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Minimum FD of \u20b910,000 required<\/li>\n<li class=\"li1\">Lifetime free card<\/li>\n<li class=\"li1\">Credit limit up to 90% of your FD \u2013 Use your deposit smartly.<\/li>\n<li class=\"li1\">No income documents needed \u2013 Ideal for people without a salary slip or IT returns.<\/li>\n<li class=\"li1\">Earn 2 reward points per \u20b9100 spent \u2013 On online transactions.<\/li>\n<li class=\"li1\">EMI facility available \u2013 Convert big purchases into manageable EMIs.<\/li>\n<li class=\"li1\">Fuel surcharge waiver \u2013 Save money at the pump.<\/li>\n<li class=\"li1\">Build or improve your credit score \u2013 A secured way to enter the credit system.<\/li>\n<li class=\"li1\">Free add-on card \u2013 For your family members.<\/li>\n<\/ul>\n<p style=\"text-align: center;\"><em><span style=\"text-decoration: underline;\"><strong>Suggestive Read: <a href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-for-insurance-payment\/\">Top 10 Best Credit Card For Insurance Payment May 2026<\/a><\/strong><\/span><\/em><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_ICICI_Bank_Instant_Platinum_Credit_Card\"><\/span><span style=\"color: #000080;\">4. ICICI Bank Instant Platinum Credit Card<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\" size-full wp-image-476 aligncenter\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/fd-based-credit-card.webp\" alt=\"fd based credit card\" width=\"271\" height=\"176\" \/><\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-apply-now\" href=\"https:\/\/www.icici.bank.in\/personal-banking\/cards\/credit-card\/credit-card-against-fixed-deposit?utm_source=cardgrid&#038;utm_medium=blog&#038;utm_campaign=fdcards\"><span class='mb-text'>Apply Now<\/span><\/a>\n<p class=\"p1\">Looking for a credit card against FD with instant approval? The ICICI Bank Instant Platinum Credit Card is a great choice. It\u2019s a FD based credit card designed for those with no credit history, low income, or anyone looking to build or rebuild their credit score. .<\/p>\n<p class=\"p1\">It\u2019s often rated among the best credit cards againstFD in India thanks to its reliability, instant issuance, and simple eligibility.<\/p>\n<p class=\"p3\"><b>ICICI Bank Instant Platinum Credit Card Offers:<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Available against a minimum FD of \u20b950,000 \u2013 Start small and build credit.<\/li>\n<li class=\"li1\">Instant card approval \u2013 No waiting, get your card issued right away.<\/li>\n<li class=\"li1\">No income documents needed \u2013 Just your FD is enough.<\/li>\n<li class=\"li1\">Credit limit up to 85% of FD amount \u2013 Smart usage of your deposit.<\/li>\n<li class=\"li1\">No annual fee in the first year \u2013 Minimal cost entry.<\/li>\n<li class=\"li1\">Earn 2 reward points per \u20b9100 spent \u2013 On eligible transactions.<\/li>\n<li class=\"li1\">Fuel surcharge waiver at select pumps \u2013 Save on every fill-up.<\/li>\n<li class=\"li1\">Accepted globally \u2013 Shop in India or abroad.<\/li>\n<li class=\"li1\">Helps build your credit score \u2013 Ideal for new-to-credit users.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"5_HDFC_Bank_Credit_Card_Against_FD\"><\/span><span style=\"color: #000080;\">5. HDFC Bank Credit Card Against FD<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-1962 \" src=\"https:\/\/cardgrid.s3.ap-south-1.amazonaws.com\/images\/2025\/10\/18125822\/hdfc-fd-based-credit-card.png\" alt=\"hdfc fd based credit card\" width=\"691\" height=\"362\" srcset=\"https:\/\/cardgrid.s3.ap-south-1.amazonaws.com\/images\/2025\/10\/18125822\/hdfc-fd-based-credit-card.png 1200w, https:\/\/cardgrid.s3.ap-south-1.amazonaws.com\/images\/2025\/10\/18125822\/hdfc-fd-based-credit-card-300x157.png 300w, https:\/\/cardgrid.s3.ap-south-1.amazonaws.com\/images\/2025\/10\/18125822\/hdfc-fd-based-credit-card-1024x536.png 1024w, https:\/\/cardgrid.s3.ap-south-1.amazonaws.com\/images\/2025\/10\/18125822\/hdfc-fd-based-credit-card-768x402.png 768w, https:\/\/cardgrid.s3.ap-south-1.amazonaws.com\/images\/2025\/10\/18125822\/hdfc-fd-based-credit-card-990x518.png 990w\" sizes=\"auto, (max-width: 691px) 100vw, 691px\" \/><\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-apply-now\" href=\"https:\/\/applyonline.hdfc.bank.in\/digital\/etb-fixed-deposit-cc?SMCode=S22411&#038;LC1=NFYB01&#038;Channel=DSA&#038;LC2=blognr&#038;DSACode=XNFY&#038;LGCode=NFYB01#nbb\"><span class='mb-text'>Apply Now<\/span><\/a>\n<p class=\"p2\">If you don&#8217;t have a credit score or regular income, getting a traditional credit card can be tough. But don\u2019t worry\u2014<b>HDFC Bank Credit Card Against FD<\/b> is one of the smartest options out there. It&#8217;s a<b>\u00a0credit card<\/b> that gives you all the benefits of a regular credit card, backed by your FD.<\/p>\n<p class=\"p3\"><b>HDFC Credit Card with FD \u2013 Features at a Glance:<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\">Instant approval with just an HDFC fixed deposit \u2013 No income proof required.<\/li>\n<li class=\"li2\">Minimum FD of \u20b910,000 \u2013 Start small and unlock credit.<\/li>\n<li class=\"li2\">Credit limit up to 90% of your FD amount \u2013 Higher the deposit, better the limit.<\/li>\n<li class=\"li2\">Zero risk to your savings \u2013 Your FD remains untouched.<\/li>\n<li class=\"li2\">No annual fee on select variants \u2013 Enjoy the benefits at minimal cost.<\/li>\n<li class=\"li2\">Reward points on every spend \u2013 Redeem for gifts, vouchers, and more.<\/li>\n<li class=\"li2\">Fuel surcharge waivers \u2013 Save while refueling.<\/li>\n<li class=\"li2\">Accepted worldwide \u2013 Make global payments easily.<\/li>\n<li class=\"li2\">Improves your credit score \u2013 Perfect for building or rebuilding credit.<\/li>\n<\/ul>\n<blockquote>\n<p style=\"text-align: center;\"><em><strong>Suggestive Read: <a href=\"https:\/\/cardgrid.in\/blog\/best-rupay-credit-cards-in-india\/\">Top 10 Best Rupay Credit Cards in India<\/a><\/strong><\/em><\/p>\n<\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"6_Suryoday_SF_Bank_RuPay_Platinum_Secured_Credit_Card\"><\/span><span style=\"color: #000080;\">6. Suryoday SF Bank RuPay Platinum Secured Credit Card<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-479 size-medium\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/which-credit-card-is-best-against-fd-300x240.png\" alt=\"Suryoday SF Bank RuPay Platinum Secured Credit Card\" width=\"300\" height=\"240\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/which-credit-card-is-best-against-fd-300x240.png 300w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/which-credit-card-is-best-against-fd.png 417w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-apply-now\" href=\"https:\/\/suryoday.bank.in\/personal\/cards\/credit-cards\/secured-ssfb-rupay-platinum\/?utm_source=cardgrid&#038;utm_medium=blog&#038;utm_campaign=fdcards\"><span class='mb-text'>Apply Now<\/span><\/a>\n<p class=\"p1\">Looking for a reliable credit card on FD that doesn\u2019t require a credit score or salary proof? The <b>Suryoday Small Finance Bank RuPay Platinum Secured Credit Card<\/b> is a solid choice. It\u2019s a FD based credit card that gives you all the perks of a regular credit card, backed by your FD. Whether you&#8217;re just starting out or trying to rebuild your credit, this card offers an easy and safe entry into the world of credit.<\/p>\n<p class=\"p3\"><b>Key Benefits of Suryoday Bank RuPay Platinum Credit Card:<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><b>No income proof required<\/b> \u2013 Just open an FD and get your card approved.<\/li>\n<li class=\"li1\"><b>Minimum FD requirement starts as low as \u20b91,000<\/b> \u2013 Affordable and accessible.<\/li>\n<li class=\"li1\"><b>Credit limit up to 90% of FD amount<\/b> \u2013 Spend with flexibility and ease.<\/li>\n<li class=\"li1\"><b>RuPay Platinum benefits<\/b> \u2013 merchant offers, and more.<\/li>\n<li class=\"li1\"><b>Builds or rebuilds credit score<\/b> \u2013 Great for students, freelancers, and homemakers.<\/li>\n<li class=\"li1\"><b>100% secured credit card<\/b> \u2013 Your FD stays safe and earns interest.<\/li>\n<li class=\"li1\"><b>No joining or annual fee<\/b> \u2013 Enjoy card benefits with zero maintenance cost.<\/li>\n<li class=\"li1\"><b>Contactless payments supported<\/b> \u2013 Quick and secure tap-to-pay feature.<\/li>\n<li class=\"li1\"><b>Simple application process<\/b> \u2013 Apply directly via Suryoday Bank\u2019s nearest branch or website.<\/li>\n<\/ul>\n<p class=\"p1\">If you&#8217;re planning to explore secured cards, this one offers a balanced combination of security, features, and cost-effectiveness. It&#8217;s perfect for those starting their credit journey with a <b>credit card against FD<\/b>.<\/p>\n<p style=\"text-align: center;\"><em><span style=\"text-decoration: underline;\"><strong>Don&#8217;t Miss This: <a href=\"https:\/\/cardgrid.in\/blog\/upi-credits-cards\/\">Top 7 UPI Credits Cards May 2026<\/a><\/strong><\/span><\/em><\/p>\n<h3><span class=\"ez-toc-section\" id=\"7_Bank_of_Baroda_Prime_Credit_Card\"><\/span><span style=\"color: #000080;\">7. Bank of Baroda Prime Credit Card<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-480 size-full\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/fixed-deposit-credit-card.webp\" alt=\"Bank of Baroda Prime fd based Credit Card\" width=\"264\" height=\"166\" \/><\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-apply-now\" href=\"https:\/\/www.bobcard.co.in\/apply-for-credit-card-online?utm_source=cardgrid&#038;utm_medium=blog&#038;utm_campaign=fdcards\"><span class='mb-text'>Apply Now<\/span><\/a>\n<p class=\"p1\">Looking for a credit card on FD\u00a0without 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.<\/p>\n<p class=\"p1\">It\u2019s not just secure\u2014it\u2019s also affordable, with <b>no joining or annual charges<\/b>, helping you enjoy credit benefits without extra costs.<\/p>\n<p class=\"p3\"><b>Key Features of Bank of Baroda Prime Credit Card<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><b>Issued against FD<\/b> \u2013 No income proof required<\/li>\n<li class=\"li1\"><b>Minimum FD: \u20b915,000<\/b><\/li>\n<li class=\"li1\"><b>Lifetime free card<\/b> \u2013 No joining or annual fees<\/li>\n<li class=\"li1\"><b>Credit limit up to 90% of FD<\/b><\/li>\n<li class=\"li1\"><b>EMI conversion available<\/b> on big purchases<\/li>\n<li class=\"li1\"><b>Helps build or rebuild your credit score<\/b><\/li>\n<li class=\"li1\"><b>Your FD keeps earning interest<\/b> while you use the card<\/li>\n<\/ul>\n<blockquote>\n<p style=\"text-align: center;\"><em><strong>Suggestive Read: <a href=\"https:\/\/cardgrid.in\/blog\/best-credit-card-for-movie-tickets\/\">Best Credit Cards for Movie Tickets<\/a><\/strong><\/em><\/p>\n<\/blockquote>\n<h3><span class=\"ez-toc-section\" id=\"8_YES_Bank_Prosperity_Rewards_Plus_Card_against_FD\"><\/span><span style=\"color: #000080;\">8. YES Bank Prosperity Rewards Plus Card (against FD)<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-481 size-medium\" src=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/credit-card-on-fd-300x189.png\" alt=\"YES Bank Prosperity Rewards Plus Card\" width=\"300\" height=\"189\" srcset=\"https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/credit-card-on-fd-300x189.png 300w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/credit-card-on-fd-1024x646.png 1024w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/credit-card-on-fd-768x485.png 768w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/credit-card-on-fd-320x200.png 320w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/credit-card-on-fd-990x625.png 990w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/credit-card-on-fd-1320x833.png 1320w, https:\/\/cardgrid.in\/blog\/wp-content\/uploads\/2025\/07\/credit-card-on-fd.png 1536w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/p>\n<p style=\"text-align: center;\"><a class=\"maxbutton-1 maxbutton maxbutton-apply-now\" href=\"https:\/\/www.yes.bank.in\/personal-banking\/yes-individual\/cards\/credit-cards?utm_source=cardgrid&#038;utm_medium=blog&#038;utm_campaign=fdcards\"><span class='mb-text'>Apply Now<\/span><\/a>\n<p class=\"p1\">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&#8217;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.<\/p>\n<p class=\"p3\"><b>Key Features of YES Bank Prosperity Rewards Plus Credit Card (FD-Based)<\/b><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><b>Backed by FD<\/b> \u2013 No income documents required<\/li>\n<li class=\"li1\"><b>Minimum FD: \u20b950,000<\/b> with YES Bank<\/li>\n<li class=\"li1\"><b>Credit limit<\/b> of up to 90% of the deposit value<\/li>\n<li class=\"li1\"><b>Reward points<\/b> on every spend (including online, travel, dining)<\/li>\n<li class=\"li1\"><b>No joining fee<\/b><\/li>\n<li class=\"li1\"><b>EMI options<\/b> available for large purchases<\/li>\n<li class=\"li1\">Helps build or improve your credit profile easily<\/li>\n<\/ul>\n<p class=\"p1\">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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Eligibilty_Criteria_Who_can_apply_for_credit_card_against_FD\"><\/span><span style=\"color: #000080;\"><strong>Eligibilty Criteria | Who can apply for credit card against FD?<\/strong><\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p class=\"p1\">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.<\/p>\n<p class=\"p1\"><span style=\"color: #000080;\"><b>Who Can Apply:<\/b><\/span><\/p>\n<ol class=\"ol1\">\n<li class=\"li1\"><span style=\"color: #000080;\"><b>Account Holders:<\/b><\/span> You must have an active savings or fixed deposit account with the bank offering the card.<\/li>\n<li class=\"li1\"><span style=\"color: #000080;\"><b>Minimum Deposit:<\/b><\/span> Most banks require a minimum FD amount, usually starting from \u20b910,000 to \u20b91 lakh, depending on the card type.<\/li>\n<li class=\"li1\"><span style=\"color: #000080;\"><b>Age Criteria:<\/b><\/span> Applicants must typically be between 18 to 65 years of age.<\/li>\n<li class=\"li1\"><span style=\"color: #000080;\"><b>Income Proof:<\/b><\/span> While FD backed credit cards don\u2019t require high income, banks may ask for basic income documents to process the application.<\/li>\n<\/ol>\n<p class=\"p1\"><span style=\"color: #000080;\"><b>Benefits:<\/b><\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\">Easier approval even with limited credit history.<\/li>\n<li class=\"li1\">Higher credit limit linked to your FD amount.<\/li>\n<li class=\"li1\">Safer option for first-time credit card users.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"Faqs\"><\/span><span style=\"color: #000080;\">Faq&#8217;s:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p class=\"p1\"><span style=\"color: #000080;\"><b>What is Paytm credit card against FD?<\/b><\/span><\/p>\n<p class=\"p1\">Paytm offers an FD-based credit card that\u2019s easy to get without income proof, secured against a fixed deposit opened via the Paytm app.<\/p>\n<p class=\"p1\"><span style=\"color: #000080;\"><b>Which is the best credit card against FD?<\/b><\/span><\/p>\n<p class=\"p1\">Top choices include SBI Unnati, HDFC Bank FD card, and YES Bank Prosperity Rewards Plus \u2013 all great <b>FD-based credit cards<\/b>.<\/p>\n<p class=\"p1\"><span style=\"color: #000080;\"><b>Can I get a credit card on \u20b92,000 FD?<\/b><\/span><\/p>\n<p class=\"p1\">Yes, you can get Suryoday SF Bank RuPay Platinum Secured Credit Card with Rs. 2000 FD.<\/p>\n<p class=\"p1\"><span style=\"color: #000080;\"><b>What is a RuPay Credit Card against FD?<\/b><\/span><\/p>\n<p class=\"p1\">A <b>RuPay FD-based credit card<\/b> is secured by a fixed deposit and runs on the RuPay network, ideal for domestic usage.<\/p>\n<p class=\"p1\"><span style=\"color: #000080;\"><b>Does SBI offer an FD credit card?<\/b><\/span><\/p>\n<p class=\"p1\">Yes, <b>SBI FD credit card<\/b> options like SBI Unnati are available without income proof, against an FD starting at \u20b910,000.<\/p>\n<p class=\"p1\"><span style=\"color: #000080;\"><b>Is a \u20b95,000 FD enough to get a credit card?<\/b><\/span><\/p>\n<p class=\"p1\">Some small finance banks offer <b>credit cards against \u20b95,000 FD<\/b>, but most large banks require higher deposits.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>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 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1964,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-471","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card-comparisons"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Top 10 Best FD Based Credit Card in India 2026<\/title>\n<meta name=\"description\" content=\"Top 10 Best Credit Card Against Fixed Deposit In India 2026 | fd credit card | 1. * SBI Card Unnati 2. 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