Will I earn interest on FD even after issuing an ICICI credit card against it?

Yes, you will keep on earning the interest on your FD account as decided even after you have issued an ICICI credit card against this account.

What is the maximum credit card limit of ICICI Coral credit card against FD?

You can withdraw a maximum of 90% of the amount available in your ICICI fixed deposit account and use it for transactions.

How much time do I have to pay off the dues of my ICICI Coral credit card?

You will have to pay off the dues of your ICICI Coral credit card within 60 days of your payment due date. Otherwise, the outstanding amount will be deducted automatically from your fixed deposit account.

Are the ICICI credit cards against fixed deposits safe to use?

Yes, theICICI FD credit cards are embedded with a microchip and are associated with a unique Personal Identification Number (PIN). These provide additional layers of safety against card duplication and counterfeiting.

How many reward points can I earn upon paying for fuel using an ICICI Platinum credit card?

You are eligible to earn 2 ICICI reward points for every ₹100 up on purchasing fuel using this card. These reward points can be used for different transactions to save on costs.

ICICI Bank Credit Card Against FD 2025

Stable Money Team

Author Updated on Dec 2, 2025

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ICICI Bank is considered to be the 2nd largest bank in India, owing to its myriad financial services and associated benefits. You can now avail ICICI FD credit card to make transactions simple, secure and fast. This blog focuses on the exclusive features of the two different types of credit cards against fixed deposits offered by ICICI Bank. Keep reading to know more.

Feature	ICICI Instant Platinum Credit Card	ICICI Coral Credit Card Against FD
Minimum FD Amount	₹50,000	₹50,000
Minimum FD Tenure	180 days	180 days
Joining Fee	Nil	₹500 + GST
Annual Fee	Nil	Nil for the first year; ₹500 + GST from the second year onwards
Finance Charges	2.49% per month (29.88% p.a.)	3.40% per month (40.8% p.a.)
Credit Limit	Up to 90% of FD amount	Up to 85% of FD amount
Income Documents Required	Not required	Not required
Rewards Program	2 PAYBACK points per ₹100 spent	2 PAYBACK points per ₹100 on retail spends; 4 points on dining, groceries, and supermarkets
Additional Benefits	25% discount up to ₹100 on BookMyShow (twice a month); Dining offers	Complimentary domestic lounge access (on spending ₹5,000 in a quarter); 25% discount up to ₹100 on BookMyShow and INOX (twice a month); Dining discounts

You can apply for an ICICI FD credit card by following a few hassle-free steps and enjoy the benefits that it offers to cardholders.

What is an ICICI Bank Credit Card Against FD?

An ICICI Bank Fixed Deposit (FD) Credit Card is an instant Credit Card that is issued to you against your Fixed Deposit (FD) with ICICI Bank. ICICI bank offers 90% of your Fixed Deposit amount as per credit limit with the flexibility of choosing from two Credit Card variants i.e. ICICI Bank Instant Platinum Credit Card and Coral Credit Card tailored to meet the requirements.

How to Apply for ICICI FD Credit Card?

To unlock the benefits associated with ICICI bank credit card on fixed deposit, you can apply for them in two ways:

1. Online Application Process

Follow the steps below to apply for an ICICI Credit Card against Fixed Deposit online:

Step 1: Visit the official website of ICICI Bank.
Step 2: Move to the credit card against Fixed Deposit page.
Step 3: Browse through the features of available cards to select the right one.
Step 4: Once done, click on the “Apply Now” button present on the page of each card type.
Step 5: Enter the required details accurately and upload the necessary documents.
Step 6: Review the data and click on the “Submit” button.

You can also log in to your net banking account and apply for an ICICI FD credit card.

2. Offline Application Process

Here are the steps to follow for offline application of ICICI Credit Card against Fixed Deposit:

Step 1: Visit the nearest branch of ICICI Bank.
Step 2: Ask the representatives for an ICICI credit card against the FD application form.
Step 3: Fill in the form and choose the type of card you want to avail.
Step 4: Finally submit the form along with the necessary documents.

However, before proceeding with the application process, it becomes a must to be aware of the fees and charges associated with the card.

Fees and Charges of ICICI Credit Card Against FD

Following are the fees and charges associated with an ICICI FD credit card:

Category	ICICI Platinum Credit Card	ICICI Coral Visa Credit Card
Joining Fee	NIL	₹500 + GST
Finance Charges	2.49% per month or 29.88% per annum	3.40% per month or 40.80% per annum
Annual Fee	NIL	₹500 from the second year (waived on spends > ₹1.5 lakh/year)
Foreign Currency Mark-up Fee	3.5%	3.5%
Cash Advance Transaction Fee	2.5% on the advanced amount, min ₹500	2.5% on the advanced amount, min ₹500
Cash Advance Interest Rate	2.49% per month or 29.88% per annum	3.40% per month or 40.80% per annum
Redemption Handling Fee	₹99 + GST per redemption request	₹99 + GST per redemption request
Card Replacement Fee	₹100	₹100
Over Limit Charges	₹550	₹550
Dial-a-Draft Transaction Fee	3% of the draft amount, min ₹300	3% of the draft amount, min ₹300
Late Payment Charges	- NIL if amount < ₹100 - ₹100 for ₹100–₹500 - ₹500 for ₹501–₹5,000 - ₹750 for ₹5,001–₹10,000 - ₹900 for ₹10,001–₹25,000 - ₹1,000 for ₹25,001–₹50,000 - ₹1,200 if above ₹50,000	Same as left side

In addition to the fees and charges, you should also have an idea regarding the benefits that make the ICICI FD credit card advantageous for you.

Features of ICICI Credit Card Against FD

Some of the salient features of ICICI credit card against FD include:

Exclusive reward points that you can redeem on numerous purchases.
25% Discount of up to ₹100 on minimum purchase of two tickets, twice a month.
Access to various privileges at different airport lounges.
1% to 2.5% Waiver on fuel surcharge whenever you purchase fuel.
Card replacement services and emergency assistance across the globe.
Payback points are available on shopping, dining and insurance purchases.

Furthermore, you should first check the eligibility criteria to ensure that you are qualified to get an ICICI FD credit card.

Eligibility Criteria for ICICI Credit Card Against FD

The eligibility requirements for obtaining a credit card against FD from ICICI Bank include:

The minimum tenure of the FD account that you are linking should be 180 days.
An applicant should be a citizen of India more than 18 years of age.
The minimum fund in your ICICI Bank Fixed Deposit should be ₹50,000.
The FD account against which the credit card is applied should not be Linked/Quantum/NRE/NRO/80C/HFC or be in the name of any third parties like Partnership Firms/HUFs/Societies/Trusts/Companies or under an existing lien.

Remember that the eligibility might differ slightly based on the types of ICICI Credit Card against Fixed Deposit.

Types of ICICI Credit Cards Against FD

Following are the types of ICICI FD credit cards that you can avail to carry out seamless transactions:

1. ICICI Platinum Credit Card

This is a popular fuel waiver credit card against fixed deposits that can help you in availing numerous offers and discounts on fuel purchases. This implies that you can save substantially on fuel purchases and enjoy long drives with your family and friends. However, to be eligible for this card, it is mandatory to deposit at least ₹50,000 in ICICI Bank FDs.

2. ICICI Coral Visa Credit Card

The Coral Visa card will benefit you with exclusive cashback, offers and discounts if you love shopping, watching movies, or visiting fine-dine restaurants. Additionally, you can access the fuel waiver on this card as well.

You can also keep the necessary documents ready when applying for an ICICI FD credit card against a Fixed Deposit, to complete the process faster.

Documents Required for ICICI FD Credit Card

You will need only a handful of primary documents to successfully apply for an ICICI FD credit card. Here is a list of those documents.

Identity proof such as PAN Card, Aadhaar Card, Driving Licence and Voter ID Card.
Address proof such as recent utility bills, property registration documents and passport.

To avail ICICI Bank credit card against FD, you will not need to furnish income-proof documents. However, the bank can ask for additional documents, if needed, to verify your details.

Closure Process of ICICI Bank Credit Card Against FD

You can close your ICICI bank FD credit card by following the simple steps given below-

Submit a cancellation request and the phone banking officer will contact you within 3 working days.
Clear all the outstanding dues on the credit card, if any
Once the credit card is closed, you will get a SMS or email informing about it.

Final Word

With the numerous benefits associated with an ICICI FD credit card, you can save a lot on costs every day. Also, there is no expiry date for this type of credit card. So, you can continue to access its advantages as long as you keep your ICICI fixed deposit account active.