#1
Federal Bank
Scapia Federal Bank Credit Card
★★★★★ 4.6
Annual fee
₹0 LTF
Joining fee
₹0 LTF
Reward
10%
Min income
₹25K/mo
No paid rankings
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SEBI-compliant
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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.
#2
ICICI Bank
Amazon Pay ICICI Credit Card
★★★★★ 4.5
Annual fee
₹0 LTF
Joining fee
₹0 LTF
Reward
5%
Min income
₹25K/mo
#3
Axis Bank
Axis Bank ACE Credit Card
★★★★★ 4.5
Annual fee
₹0 LTF
Joining fee
₹0 LTF
Reward
5%
Min income
₹25K/mo
#4
Standard Chartered
Standard Chartered EaseMyTrip Credit Card
★★★★☆ 4.4
Annual fee
₹0 LTF
Joining fee
₹0 LTF
Reward
12%
Min income
₹25K/mo
#5
#6
Axis Bank
Axis Bank Flipkart Credit Card
★★★★☆ 4.3
Annual fee
₹0 LTF
Joining fee
₹0 LTF
Reward
5%
Min income
₹25K/mo
#7
Standard Chartered
Standard Chartered Platinum Rewards Credit Card
★★★★☆ 4.3
Annual fee
₹750
Joining fee
₹0 LTF
Reward
5%
Min income
₹35K/mo
#8
Read the full guide
Deep-dive: Best FD-Backed Credit Cards in India (2026) →