Credit Card Against FD: Best Picks in India for 2026

What is a credit card against FD

A credit card against FD is a secured credit card where you pledge a fixed deposit with the issuing bank. The bank then issues a card with a credit limit equal to a percentage of your FD, typically 80 to 100 percent.

Because the bank is already holding your money as collateral, there is no income check and almost no rejection. The FD continues to earn interest while the card builds your credit history.

Who should consider an FD credit card

FD cards are ideal for first time card users, self employed professionals without salary slips, students above 18, homemakers, and anyone with a low or zero CIBIL score who wants to enter the formal credit system.

Best FD credit cards available in India

These are the most commonly issued and well reviewed FD backed cards in 2026. Always confirm the latest terms with the issuer before applying.

• IDFC FIRST WOW: lifetime free, 100 percent of FD as credit limit, FD starts at 5000 rupees.
• SBI Unnati and Advantage: FD starts at 25000, accepted at every Visa or RuPay terminal.
• HDFC Credit Card Against FD: trusted brand, FD usually from 25000, fast online process.
• ICICI Coral Against FD: feature rich card with reward points on every spend.
• Axis Insta Easy: instant card against FD starting from 20000.

What to check before applying

Read the fine print so you are not surprised later.

• Minimum FD amount required.
• Percentage of FD offered as credit limit.
• Joining fee and annual fee.
• Lock in period on the FD.
• Whether the FD continues to earn interest.