{"id":7708,"date":"2026-04-27T21:01:41","date_gmt":"2026-04-27T15:31:41","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=7708"},"modified":"2026-04-27T21:01:45","modified_gmt":"2026-04-27T15:31:45","slug":"top-5-fd-backed-credit-cards-that-give-high-cashback-and-no-income-proof-needed","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/top-5-fd-backed-credit-cards-that-give-high-cashback-and-no-income-proof-needed\/","title":{"rendered":"Top 5 FD-Backed Credit Cards That Give High Cashback and No Income Proof Needed"},"content":{"rendered":"\n
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Synopsis<\/strong>: This article highlights FD-backed credit cards that are typically 100% secured by fixed deposits, offer credit limits of 80-90% of the FD, and offer significant cashback on daily spends.<\/em><\/p>\n<\/blockquote>\n\n\n\n

Why Choose an FD Backed Credit Card?<\/strong><\/h2>\n\n\n\n

In the case of a secured credit card, the Fixed Deposit is used as collateral. The bank will offer you a credit limit that is 90-100% of your FD amount. Since the FD ensures that the bank does not suffer any loss, it does not require any other documents like pay stubs, income tax returns, or CIBIL score. You earn interest from your FD as well as cashback from your credit card transaction, which means that you are getting dual benefits from one FD.<\/p>

\"scapia<\/a><\/div>\n\n\n\n

1) IDFC FIRST Hello CashBack Credit Card<\/a><\/strong><\/h3>\n\n\n\n
\"IDFC<\/a><\/figure>\n\n\n\n

IDFC FIRST Bank launched its most rewarding FD-backed secured card in February 2026 named Hello CashBack. The minimum required deposit in the account is \u20b910,000, and the credit limit is 100% of the deposit amount.<\/p>\n\n\n\n

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  • Cash Back Structure:<\/strong>\n
      \n
    • 5% on online transactions more than \u20b910,000 in statement period<\/li>\n\n\n\n
    • 3% on online transactions not exceeding \u20b910,000<\/li>\n\n\n\n
    • 1% on POS\/In store, UPI transactions through IDFC FIRST Bank mobile app, essential expenses such as utilities, education, insurance, FASTag, rent, etc.<\/li>\n\n\n\n
    • 1% bonus on flights and hotel bookings from IDFC FIRST Bank mobile app (overall 6% cash back)<\/li>\n\n\n\n
    • Monthly cashback cap is \u20b91,500<\/li>\n<\/ul>\n<\/li>\n\n\n\n
    • Charges & Fees:<\/strong>\n
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      • Joining fee: \u20b91,000 + GST <\/li>\n\n\n\n
      • Annual charges: \u20b91,000 + GST; 100% waived for \u20b92 lakh annual spending, 50% waived for \u20b91\u20132 lakh annual spending<\/li>\n<\/ul>\n<\/li>\n\n\n\n
      • Add-ons:<\/strong> Roadside assistance service complimentary (\u20b91,399), personal accident cover (\u20b92 lakh), lost card protection (\u20b925,000), 1% fuel surcharge waiver, zero interest on ATM withdrawal transaction (up to 45 days, \u20b9199+GST charges).<\/li>\n\n\n\n
      • USP:<\/strong> Cash back for online transactions at the best possible rate amongst FD-based cards, cash back on UPI and essential categories generally ignored by other secured cards.<\/li>\n<\/ul>\n\n\n\n

        To apply for this card, please visit the Official Website<\/a><\/strong><\/p>