It may seem difficult to establish a credit score, particularly when you are new to credit or do not have a regular paycheck. And here is your savior in the FD-backed credit cards. These credit cards are guaranteed to your Fixed Deposit (FD); that is, you can enjoy the benefits of a credit card without any income documents or credit score.
Indian banks are currently providing creative and digital-first FD credit cards, with zero annual fees, immediate approval, and attractive cashback choices. We are going to discuss the 7 most successful FD-supported credit cards in India with a combination of easy approval with the best offers and low forex markup.
What Is an FD-Backed Credit Card?
A credit card that is backed by an FD is a secured credit card in which your fixed deposit is taken as collateral. The limits of credit provided by banks range up to 100% of your FD balance, which makes these cards the best place to get started out as a student and a new-to-credit user.
Key Benefits:
- Quick approval with minimum documentation.
- No income proof required
- Improves your CIBIL score with time.
- Complete electronic access and control.
- Others also provide no markup for forex to the travelers.
Therefore, this paper will provide an overview of the top 7 FD-backed credit cards in India (2025)
Below is an in-depth discussion of the best and most secure rewarding FD credit cards of the year:
1. SBI Unnati Credit Card
- Minimum FD: ₹25,000
- Annual Fee: Nil for 4 years
- Rewards: 1 reward point for every 100 Rs.
- Probably the best perk: the ideal starter card to have if you do not have any proof of income.
- Why It’s Great: It is the most recommended credit card because it is supported by the biggest bank in India; therefore, it is easily approved with extensive use.
2. Axis Bank Insta Easy Credit Card
- Minimum FD: ₹20,000
- Annual Fee: ₹500 (waived on spends)
- Rewards: 2 points each for 200 rupees.
- Key Advantage: Rapid acceptance of cards, adjustable credit card, and activation through the Axis app.
- Bonus: Good in the case of online customers and people who travel frequently because of low forex markup.
3. WoW Credit Card by IDFC FIRST Bank
- Minimum FD: ₹20,000
- Annual Fee: Nil
- Benefits: 4X travel points, zero markup on forex.
- Key Advantage Modern application, 100 percent FD limit, best suited to UPI and travel spenders.
- Why Choose: It is one of the most digitally friendly because it is a fintech-like experience accompanied by real-time insights.
4. ICICI Bank Instant Platinum credit card
- Minimum FD: ₹10,000
- Annual Fee: Nil
- Rewards: 2 points on each 100 spent.
- Leading Advantage: Easy as pie approval, free insurance, and decades of solid faith.
- Good Fit: Individuals that want a reliable credit card that is not fussy with the leading private bank.
5. Kotak 811 Dream Different credit card
- Minimum FD: ₹10,000
- Annual Fee: Nil
- Rewards: 4 points on each 100 spent online, 1 point offline.
- Principal Advantage: Zero-year and digital-first and most suitable to UPI-linked expenditures.
- Why It’s Trending: Works are compatible with the Kotak 811 app, which is targeted at digital natives.
6. Bank of Baroda Assured Credit Card
- Minimum FD: ₹15,000
- Annual Fee: ₹500
- Rewards: 1 point per ₹100 spent
- Enhanced Fraud Protection, Large Credit Limit, and Worldwide Acceptance.
- Good For: The card is a safe and globally accepted FD credit card.
7. OneCard (with FD)
- Minimum FD: ₹10,000
- Annual Fee: Nil
- Rewards: 5x points on the best 2 spends/month, 1x on all other spends.
- The feature: Paperless onboarding conducted via the application and approved immediately.
- Why It’s a Hit: It gives real-time spending power and a smooth metal design to techno-savvy users.
Comparison Table
| Card Name | Min FD (R) | Annual Fee | Reward Rate | Unique Selling Point (USP) |
| SBI Unnati | 25,000 | Nil (4 years) | 1 pt/R100 | No-fee starter card |
| Axis Insta Easy | 20,000 | R5000 (waived) | 2 pt/200 | Instant, flexible, digital |
| IDFC FIRST WoW | 20,000 | Nil | 4x on travel, 0 forex | UPI-friendly, app-first |
| ICICI Instant Platinum | 10,000 | Nil | 2 pt/R100 | Free insurance, legacy brand |
| Kotak 811 Dream Different | 10,000 | Nil | 4 pt online, pt offline | Digital-first, UPI rewards |
| BOB Assure | 15,000 | R500 | 1 pt/R100 | Global usage, fraud protection |
| OneCard (with FD) | 10,000 | Nil | 5x top spends | Paperless, fintech-driven |
How to apply for an FD-backed credit card
The application process for these cards is fast and easy. Follow these steps:
1. Select your bank and favorite FD-backed credit card.
2. Create an FD account at the branch or online.
3. Fill out the credit card application (can be done in several minutes online).
4. Note: your credit limit is generally no more than 100 percent of your FD.
5. Present KYC documentation (unless a customer already).
6. Get approval immediately and begin using your card in 23 days.
Why You Should Have an FD-Backed Credit Card.
- Credit History No credit history, but builds CIBIL score.
- No proof of income to obtain an approval.
- Receive reimbursements on all transactions.
- Guaranteed and insured because you have your FD.
- Perfect digital and UPI users in 2025.
Conclusion
FD-backed credit cards in India (2025) are the right answer for any person who needs to embark on their credit voyage safely. They combine simple approval, online comfort, and benefit-filled rewards, all without contributing to the establishment of an irresponsibly high credit score.
You choose OneCard and its modern digital feel, SBI with its reliability, or IDFC FIRST with its 0% forex; either way, these cards are your ticket to financial freedom.
