Best for · FD-Backed

Best FD-Backed Credit Cards in India (2026)

Eight Indian banks issue credit cards against a fixed-deposit lien. Your money keeps earning interest while you build CIBIL with a real credit card.

IDFC FIRST Wow! is the headline option — ₹10,000 FD minimum, 100% of FD as credit limit, zero fees lifetime. Kotak Aqua Gold offers 90% credit-limit-to-FD ratio. SBI Card Advantage Plus is the PSU-bank safety net. ICICI Coral against FD has the cleanest upgrade path to unsecured ICICI cards after 12-18 months.

What to look for

  • Lowest FD threshold (IDFC FIRST: ₹10K vs ICICI: ₹20K)
  • Highest credit-limit-to-FD ratio (Kotak: 90%, IDFC: 100%)
  • FD continues earning your bank's FD interest rate during lien period
  • Zero/low joining + annual fees
  • Easy unsecured-card transition path after 12-18 months

Top 8 cards for fd-backed

Ranked by InvestingPro rating × eligibility fit for this persona. See our rating methodology.

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