Synopsis – FD credit cards in 2025 provide easy approval and valuable rewards, ideal for beginners or cautious spenders. Discover the top FD credit cards in India to build credit smartly.
FD credit cards, which are linked to a fixed deposit, are quickly gaining popularity, especially among individuals new to credit or rebuilding their credit scores. With relaxed approvals and competitive rewards systems, FD credit cards are trending in 2025. Let’s take a look at this year’s best FD credit cards, their advantages, eligibility, and how to find which card works best for you.
What is an FD Credit Card and how does it work?
- Open a fixed deposit in the amount your bank requires (usually ₹10,000 – ₹1,00,000, sit down with your local bank)
- The bank will approve a credit card with a percentage limit of the fixed deposit (generally 75–100% of the fixed deposit)
- No income verification is required.
- No credit history required
- The fixed deposit is used as a form of collateral, providing less risk for the issuer, and is establishing a credit history for the cardholder.
- For example, on a fixed deposit of ₹50,000, the cardholder will likely receive a credit limit on their credit card ranging from ₹40,000 – ₹50,000.
What types of people benefit the most
- Students/new entrants: Establish a credit score with zero risk.
- Salaried/self-employed: Arrange a backup card, no application paper or hassle.
- Individuals trying to improve low credit scores: Build credit without fear of rejections.
Best FD Credit Cards in India (2025)
1. SBI Unnati Credit Card
- Minimum FD: ₹25,000
- Annual Fee: Nil for the first 4 years
- Rewards: 1 Rewards Point for every ₹100 spent
- Key Benefit: It’s a no-frills card, perfect for first-time users, backed up by SBI FD.
2. Axis Bank Insta Easy Credit Card
- Minimum FD: ₹20,000
- Annual Fee: ₹500 (waived on annual spend of ₹50,000)
- Rewards: 2 points for every ₹200 spent
- Key Benefit: The card gets issued on spot and it has flexible FD tenure.
3. IDFC FIRST WoW Credit Card
- Minimum FD: ₹20,000
- Annual Fee: Nil
- Rewards: 4x points on travel and no forex markup
- Key Benefit: Credit limit is 100% of FD, has a modern app and suits UPI spenders best.
4. ICICI Bank Instant Platinum Card
- Minimum FD: ₹10,000
- Annual Fee: Nil
- Rewards: 2 points for every ₹100 spent
- Key Benefit: Super easy approval, decades of backing, complimentary insurance.
Also read: Best 5 Low Forex Fee Cards: Forex Card vs Credit Card Comparison by Top Banks
5. Kotak 811 Dream Different Credit Card
- Minimum FD: ₹10,000
- Annual Fee: Nil
- Rewards: 4 points for every ₹100 spent online, 1 point on all else with fuel and UPI perks
- Key Benefit: Zero annual fee and a rewards card for the digital user.
6. Bank of Baroda Assure Card
- Minimum FD: ₹15,000
- Annual Fee: ₹500
- Rewards: 1 point for every ₹100 spent
- Key Benefit: Very good protection against fraud, high credit limit and widely accepted internationally.
7. OneCard (with FD)
- Minimum FD: ₹10,000
- Annual Fee: Nil
- Rewards: 5X on the top 2 spends/month, 1X on everything else
- Key Benefit: Fintech driven card, digital-first concept, no paperwork hassles and real-time controls.
Comparison Table
| Card Name | Min FD (₹) | Annual Fee | Reward Rate | USP |
| SBI Unnati | 25,000 | Nil (4 yrs) | 1pt/₹100 | No fee starter, simple rewards |
| Axis Insta Easy | 20,000 | ₹500 (waived) | 2pt/₹200 | Instant, flexible, digital |
| IDFC FIRST WoW | 20,000 | Nil | 4x on travel, 0 forex | App-first, 100% limit, UPI-friendly |
| ICICI Instant Platinum | 10,000 | Nil | 2pt/₹100 | Oldest, reliable, free insurance |
| Kotak 811 Dream Different | 10,000 | Nil | 4pt/₹100 online, 1pt/₹100 offline | Digital-first, UPI deals |
| BOB Assure | 15,000 | ₹500 | 1pt/₹100 | Extra protection, wider acceptance |
| OneCard (FD) | 10,000 | Nil | 5X on top spends | Fintech, full app control, flexible FD |
How to Get an FD Credit Card
- Go to a bank/card of choice.
- Open the necessary FD (either online or at the branch).
- Complete a simple application (usually done online).
- Select a credit limit based on the FD amount.
- Provide basic KYC features if you are not already an account holder.
- Approval and card details are usually done immediately or within 2-3 days.
Conclusion
For fool-proof simple banking the best FD credit cards enable anyone to start establishing a credit history, earn incentives, and grow their CIBIL score and it requires no income, pure and simple banking and remote management.
Written By Rachna Rajput