{"id":11419,"date":"2026-07-21T17:40:00","date_gmt":"2026-07-21T12:10:00","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=11419"},"modified":"2026-07-21T17:37:31","modified_gmt":"2026-07-21T12:07:31","slug":"do-these-4-fd-backed-credit-cards-offer-better-returns-than-regular-fds-interest-rates-cashback-and-credit-limits-compared","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/do-these-4-fd-backed-credit-cards-offer-better-returns-than-regular-fds-interest-rates-cashback-and-credit-limits-compared\/","title":{"rendered":"Do These 4 FD-Backed Credit Cards Offer Better Returns Than Regular FDs? Interest Rates, Cashback and Credit Limits Compared"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Synopsis<\/strong>: <em>FD-backed credit cards offer FD interest along with cashback, rewards, and credit-building benefits. This article compares top FD-backed credit cards with traditional fixed deposits&nbsp;&nbsp;<\/em><\/p>\n<\/blockquote>\n\n\n\n<p>Fixed deposits are popular for their guaranteed returns, but they only provide interest income. FD-backed credit cards allow users to earn interest on their deposits while enjoying additional benefits such as cashback, rewards, and access to credit. The credit limit on these cards is linked to the FD amount, meaning a higher FD value generally provides a higher credit limit.&nbsp;<\/p><div class=\"trade-content-3\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-4197085497\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/money\/recommends\/scapia\/\" rel=\"noopener\" class=\"a2t-link\" target=\"_blank\" aria-label=\"scapia (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg\" alt=\"scapia (1)\"  srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1.jpg 1000w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-980x980.jpg 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/12\/scapia-1-480x480.jpg 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1000px, 100vw\" width=\"350\" height=\"350\"  style=\"display: inline-block;\" \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-top-4-fd-backed-credit-cards-nbsp\" style=\"font-size:22px\"><strong>Top 4 FD-Backed Credit Cards&nbsp;<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-sbm-zet-credit-card\" style=\"font-size:18px\"><strong>1. <a href=\"https:\/\/bitli.in\/J2vk1vD\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">SBM ZET Credit Card<\/a><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/J2vk1vD\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"725\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-21-2026-11_04_25-AM-1-1-1-1024x725.png\" alt=\"SBM ZET Credit Card\" class=\"wp-image-11430\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-21-2026-11_04_25-AM-1-1-1-980x693.png 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-21-2026-11_04_25-AM-1-1-1-480x340.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining &amp; Annual Fee: <\/strong>Lifetime free.<\/li>\n\n\n\n<li><strong>FD Requirement: <\/strong>Starts from \u20b92,000.<\/li>\n\n\n\n<li><strong>Credit Limit: <\/strong>Up to 90% of the FD amount.<\/li>\n\n\n\n<li><strong>FD Interest: <\/strong>Earn up to 7% p.a. on the fixed deposit.<\/li>\n\n\n\n<li><strong>Approval: <\/strong>100% guaranteed approval.<\/li>\n\n\n\n<li><strong>Income Proof: <\/strong>Not required.<\/li>\n\n\n\n<li><strong>Interest-free Period:<\/strong> Up to <strong>45 days<\/strong>.&nbsp;<\/li>\n\n\n\n<li><strong>UPI Support: <\/strong>RuPay credit card with UPI payments.<\/li>\n\n\n\n<li><strong>Rewards &amp; Benefits:\u00a0<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Flat 2% cashback<\/strong> on ZET UPI payments with an active <strong>ZET Plus<\/strong> subscription.<\/li>\n\n\n\n<li><strong>Flat 5% cashback<\/strong> on Amazon Pay and Flipkart vouchers (ZET Plus).<\/li>\n\n\n\n<li><strong>Up to 20% discounts<\/strong> on partner brands such as Swiggy and Instamart.<\/li>\n\n\n\n<li><strong>Up to 15% cashback<\/strong> across <strong>80+ partner brands<\/strong>.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <strong><a href=\"https:\/\/bitli.in\/J2vk1vD\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-sbm-novio-rupay-fd-credit-card\" style=\"font-size:18px\"><strong>2. <a href=\"https:\/\/bitli.in\/8DMistG\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">SBM Novio RuPay FD Credit Card<\/a><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/8DMistG\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"538\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/sbm-purple-card-1024x538.webp\" alt=\"SBM Novio RuPay FD Credit Card\n\" class=\"wp-image-10629\" style=\"width:449px;height:auto\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/sbm-purple-card-1024x538.webp 1024w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/sbm-purple-card-980x515.webp 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/sbm-purple-card-480x252.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining &amp; Annual Fee: <\/strong>Lifetime free.<\/li>\n\n\n\n<li><strong>FD Requirement: <\/strong>Starts from \u20b92,000.<\/li>\n\n\n\n<li><strong>FD Range: <\/strong>\u20b92,000 to \u20b95 lakh.<\/li>\n\n\n\n<li><strong>Credit Limit:<\/strong> Up to 90% of the FD amount.<\/li>\n\n\n\n<li><strong>FD Interest: <\/strong>Earn up to 7% per annum.<\/li>\n\n\n\n<li><strong>Interest-free Period: <\/strong>Up to 45 days.<\/li>\n\n\n\n<li><strong>Card Type: <\/strong>RuPay FD-backed secured credit card.<\/li>\n\n\n\n<li><strong>Virtual Card: <\/strong>Instant virtual card for FDs starting at \u20b92,000.<\/li>\n\n\n\n<li><strong>Physical Card: <\/strong>Issued for FDs of \u20b910,000 or above.<\/li>\n\n\n\n<li><strong>FD Top-up: <\/strong>Increase your FD and credit limit anytime.<\/li>\n\n\n\n<li><strong>Rewards &amp; Benefits:\u00a0<\/strong>\n<ul class=\"wp-block-list\">\n<li>Earn 5% Novio Coins on UPI transactions.<\/li>\n\n\n\n<li>Earn 5% Novio Coins on offline (POS\/store) spends.<\/li>\n\n\n\n<li>Earn 10% Novio Coins on fuel purchases.<\/li>\n\n\n\n<li>Redeem Novio Coins for discounts of up to 20% across partner brands.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Welcome Benefits:\u00a0<\/strong>\n<ul class=\"wp-block-list\">\n<li>Welcome benefits worth up to \u20b95,000 from partner brands.<\/li>\n\n\n\n<li>Unlock the benefits by spending \u20b92,500 within the first 30 days of card issuance (terms apply).<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Shopping Offers:\u00a0<\/strong>\n<ul class=\"wp-block-list\">\n<li>BookMyShow: Buy 1 Get 1 Free (up to \u20b9250) on movie tickets.<\/li>\n\n\n\n<li>Amazon: Up to 5% instant discount on eligible purchases.<\/li>\n\n\n\n<li>Zepto: 10% cashback on eligible orders.<\/li>\n\n\n\n<li>Swiggy: 20% discount on eligible food orders.<\/li>\n\n\n\n<li>Fuel: Joining benefit of \u20b9100\/month for 6 months (terms apply).<\/li>\n\n\n\n<li>Potential annual savings of up to \u20b923,000 through cashback and partner offers.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <strong><a href=\"https:\/\/bitli.in\/8DMistG\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong>Also Read:<\/strong> <a href=\"https:\/\/tradebrains.in\/money\/5-best-idfc-first-credit-cards-that-offer-airport-railway-lounge-access-with-minimum-monthly-spend\/\">5 Best IDFC FIRST Credit Cards That Offer Airport &amp; Railway Lounge Access with Minimum Monthly Spend<\/a><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-au-small-finance-bank-nomo-credit-card\" style=\"font-size:18px\">3. <strong><a href=\"https:\/\/bitli.in\/HiUa5k9\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">AU Small Finance Bank \u2013 NOMO Credit Card<\/a><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><a href=\" https:\/\/bitli.in\/HiUa5k9\"><img loading=\"lazy\" decoding=\"async\" width=\"500\" height=\"250\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/au-nomo.webp\" alt=\"AU Small Finance Bank \u2013 NOMO Credit Card\" class=\"wp-image-11425\" style=\"width:450px\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/au-nomo.webp 500w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/au-nomo-480x240.webp 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) 500px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining Fee: <\/strong>\u20b9199 + applicable taxes.<\/li>\n\n\n\n<li><strong>Annual Fee: <\/strong>Nil.<\/li>\n\n\n\n<li><strong>FD Requirement: <\/strong>Starts from \u20b920,000.<\/li>\n\n\n\n<li><strong>Credit Limit: <\/strong>Up to 100% of the FD amount (subject to bank approval).&nbsp;<\/li>\n\n\n\n<li><strong>Card Type: <\/strong>FD-backed secured credit card.<\/li>\n\n\n\n<li><strong>Forex Markup: <\/strong>0.99% on international transactions.<\/li>\n\n\n\n<li><strong>Contactless Payments: <\/strong>Tap &amp; Pay for transactions up to \u20b95,000.<\/li>\n\n\n\n<li><strong>EMI Facility: <\/strong>Convert purchases of \u20b92,000 or above into EMIs.<\/li>\n\n\n\n<li><strong>Rewards &amp; Benefits:\u00a0<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Welcome Benefit:<\/strong> Earn 500 Reward Points on your first transaction within 30 days of card setup.<\/li>\n\n\n\n<li><strong>Retail Spends:<\/strong> Earn <strong>2 Reward Points per \u20b9100<\/strong>.<\/li>\n\n\n\n<li><strong>Utility &amp; Insurance Spends:<\/strong> Earn <strong>1 Reward Point per \u20b9100<\/strong>.<\/li>\n\n\n\n<li>Redeem reward points for <strong>travel, e-vouchers, mobile recharges, and more<\/strong> through <strong>AU Rewardz<\/strong>.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Milestone Benefits:\u00a0<\/strong>\n<ul class=\"wp-block-list\">\n<li>Earn 500 Reward Points on quarterly retail spends of \u20b925,000.<\/li>\n\n\n\n<li>Earn an additional 500 Reward Points on quarterly retail spends of \u20b950,000.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Travel &amp; Lifestyle Benefits:\u00a0<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>2 complimentary domestic airport lounge visits<\/strong> per quarter on spending <strong>\u20b950,000<\/strong> in the previous quarter.<\/li>\n\n\n\n<li><strong>2 complimentary railway lounge visits<\/strong> per quarter for the primary and add-on cardholders.<\/li>\n\n\n\n<li><strong>1% fuel surcharge waiver<\/strong> (up to <strong>\u20b9100<\/strong>) on fuel transactions between <strong>\u20b9400 and \u20b95,000<\/strong><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <strong><a href=\"https:\/\/bitli.in\/HiUa5k9\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p><div class=\"trade-content\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-2746102060\"><div translate=\"no\" class='mailmunch-forms-widget-1169732'><\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-idfc-first-wow-credit-card\" style=\"font-size:18px\"><strong>4.<a href=\"https:\/\/bitli.in\/bDl3U04\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"> IDFC FIRST WOW Credit Card<\/a><\/strong><\/h3>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><a href=\"https:\/\/bitli.in\/bDl3U04\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"819\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-21-2026-11_08_50-AM-1-1024x819.png\" alt=\"IDFC FIRST WOW Credit Card\" class=\"wp-image-11431\" style=\"width:450px;height:auto\" srcset=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-21-2026-11_08_50-AM-1-980x784.png 980w, https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2026\/07\/ChatGPT-Image-Jul-21-2026-11_08_50-AM-1-480x384.png 480w\" sizes=\"(min-width: 0px) and (max-width: 480px) 480px, (min-width: 481px) and (max-width: 980px) 980px, (min-width: 981px) 1024px, 100vw\" \/><\/a><\/figure>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Joining &amp; Annual Fee: <\/strong>Lifetime free.<\/li>\n\n\n\n<li><strong>FD Requirement: <\/strong>Minimum \u20b920,000.<\/li>\n\n\n\n<li><strong>Credit Limit: <\/strong>Up to 100% of the FD amount.<\/li>\n\n\n\n<li><strong>Card Type: <\/strong>Visa Infinite FD-backed secured credit card.<\/li>\n\n\n\n<li><strong>FD Interest: <\/strong>Earn up to 6.30% p.a. on the fixed deposit.<\/li>\n\n\n\n<li><strong>Forex Markup: <\/strong>0% on international transactions.<\/li>\n\n\n\n<li><strong>Cash Withdrawal: <\/strong>0% interest for up to 45 days on ATM cash withdrawals (domestic &amp; international).<\/li>\n\n\n\n<li>No Income Proof or Credit History Required.&nbsp;<\/li>\n\n\n\n<li><strong>Rewards &amp; Benefits:<\/strong>\n<ul class=\"wp-block-list\">\n<li><strong>Welcome Offer:<\/strong> Up to <strong>\u20b9200 cashback<\/strong> (\u20b950 each on the first four UPI transactions) through the linked <strong>FIRST Digital RuPay Credit Card<\/strong>.&nbsp;<\/li>\n\n\n\n<li>Earn <strong>4 Reward Points per \u20b9200<\/strong> on online, offline, and international spends.<\/li>\n\n\n\n<li>Earn <strong>1 Reward Point per \u20b9200<\/strong> on insurance, utility bill payments, FASTag recharges, and railway bookings.<\/li>\n\n\n\n<li><strong>UPI Rewards:<\/strong> Earn up to <strong>3 Reward Points per \u20b9200<\/strong> on eligible UPI transactions using the linked <strong>FIRST DIGITAL<\/strong> card.<\/li>\n\n\n\n<li><strong>Travel Bonus:<\/strong> Earn <strong>10% bonus Reward Points<\/strong> on hotel bookings and <strong>5% bonus Reward Points<\/strong> on flight bookings made through the <strong>IDFC FIRST Bank Mobile App<\/strong>.&nbsp;<\/li>\n\n\n\n<li>Reward Value: <strong>1 Reward Point = \u20b90.25.&nbsp;<\/strong><\/li>\n\n\n\n<li>Reward Points are valid for <strong>24 months<\/strong> and can be redeemed for travel bookings, vouchers, shopping, and more<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>To apply for the card, please visit the <strong><a href=\"https:\/\/bitli.in\/bDl3U04\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Official Website<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-fd-backed-credit-card-vs-fixed-deposit-nbsp\" style=\"font-size:22px\"><strong>FD-Backed Credit Card vs Fixed Deposit&nbsp;<\/strong><\/h2>\n\n\n<div id=\"footable_parent_11468\"\n         class=\" footable_parent ninja_table_wrapper loading_ninja_table wp_table_data_press_parent semantic_ui \">\n                <table data-ninja_table_instance=\"ninja_table_instance_0\" data-footable_id=\"11468\" data-filter-delay=\"1000\" aria-label=\"Credit Card - Sheet1 (72).csv\"            id=\"footable_11468\"\n           data-unique_identifier=\"ninja_table_unique_id_1414599745_11468\"\n           class=\" foo-table ninja_footable foo_table_11468 ninja_table_unique_id_1414599745_11468 ui table  ninja_search_right nt_type_ajax_table selectable striped compact vertical_centered  footable-paging-right ninja_table_search_disabled\">\n                <colgroup>\n                            <col class=\"ninja_column_0 \">\n                            <col class=\"ninja_column_1 \">\n                            <col class=\"ninja_column_2 \">\n                    <\/colgroup>\n            <\/table>\n    \n    \n    \n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-should-choose-an-fd-backed-credit-card-nbsp\" style=\"font-size:22px\"><strong>Who Should Choose an FD-Backed Credit Card?&nbsp;<\/strong><\/h2>\n\n\n\n<p>FD-backed credit cards are ideal for beginners, students, young professionals, freelancers, and individuals without income proof who want to build credit history while earning FD interest. However, those seeking only guaranteed returns may prefer traditional fixed deposits.&nbsp;&nbsp;<\/p><div class=\"trade-content-2\" style=\"margin-left: auto;margin-right: auto;text-align: center;\" id=\"trade-918350562\"><a data-no-instant=\"1\" href=\"https:\/\/tradebrains.in\/get\/voltmoney\/\" rel=\"noopener\" class=\"a2t-link\" aria-label=\"LAMF3 300_250 (1)\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/tradebrains-wp.s3.ap-south-1.amazonaws.com\/money\/wp-content\/uploads\/2025\/11\/LAMF3-300_250-1.png\" alt=\"\"  width=\"300\" height=\"250\"   \/><\/a><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-fd-backed-credit-cards-beat-fixed-deposit-returns-nbsp\" style=\"font-size:22px\"><strong>Can FD-Backed Credit Cards Beat Fixed Deposit Returns?&nbsp;<\/strong><\/h2>\n\n\n\n<p>An FD-backed credit card does not increase the FD interest rate but adds extra benefits through cashback, rewards, and offers. For example, a<strong> \u20b950,000 FD<\/strong> earning<strong> 7% <\/strong>annually can generate <strong>\u20b93,500 interest per year<\/strong>. The credit limit depends on the FD amount; a <strong>\u20b950,000<\/strong> <strong>FD <\/strong>with a <strong>90% limit ratio<\/strong> can provide a credit limit of up to <strong>\u20b945,000<\/strong>, while a <strong>\u20b92,000 FD<\/strong> may provide a limit of around <strong>\u20b91,800.<\/strong> However, additional benefits from the card depend on spending habits, eligible transactions, available offers, and timely bill payments.\u00a0<\/p>\n\n\n\n<p>FD-backed credit cards cannot replace fixed deposits as an investment option, but they can help users earn FD interest while enjoying credit card benefits and building a strong credit history.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Synopsis: FD-backed credit cards offer FD interest along with cashback, rewards, and credit-building benefits. This article compares top FD-backed credit cards with traditional fixed deposits&nbsp;&nbsp; Fixed deposits are popular for their guaranteed returns, but they only provide interest income. FD-backed credit cards allow users to earn interest on their deposits while enjoying additional benefits such [&hellip;]<\/p>\n","protected":false},"author":18,"featured_media":11435,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[10,14],"tags":[3972,3970,3971],"ppma_author":[3332],"class_list":["post-11419","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","category-trending","tag-best-credit-card-against-fd-in-india","tag-best-fd-backed-credit-cards-2","tag-fd-credit-card-benefits"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v26.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do These 4 FD-Backed Credit Cards Offer Better Returns Than Regular FDs? 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