Credit cards against fixed deposits are one of the easiest ways to access credit while continuing to earn interest on your savings. Several banks now offer FD-backed credit cards with premium features and minimal eligibility requirements. Continue reading to explore the best FD-backed credit cards in India in 2026 for choosing the right secured credit card based on spending needs and financial goals. 

Best FD-Backed Credit Cards in India

If you are confused about which of the above-mentioned options is the best fd credit card, then consider reviewing the features discussed below.

Suryoday Stable Money Rupay Secured Credit Card

The Suryoday Small Finance Bank secured RuPay credit card is one of the most accessible lifetime free FD credit cards in India because it can be obtained against a very low fixed deposit amount. It is suitable for beginners looking to build a credit history with minimal investment.

Key Features & Benefits

• Minimum FD starts from ₹1,000 
• Credit card with 8.25% fd return and 0.5% cashback
• 8 domestic airport lounge access
• 100+ Rupay brand offers
• Complimentary golf session every year
• Complimentary health check-ups
• Suitable for users with no credit history

Fees and Charges

SBI Card Unnati

SBI Card Unnati is designed for users beginning their credit journey. The card offers rewards and milestone benefits while helping users build their credit profile.

Key Features & Benefits

• No annual fee for first 4 years
• 1 reward point per ₹100 spent
• ₹500 cashback on annual spend milestone of ₹50,000.
• Easy approval against FD
• 1% fuel surcharge waiver

Fees and Charges

IDFC FIRST WOW! Credit Card

The IDFC FIRST WOW! Credit Card is among the strongest FD-backed credit cards for travel and international spending due to its zero forex markup feature.

Key Features & Benefits

• Zero forex mark-up fees on international spends
• Zero interest charges on ATM cash withdrawals
• 4x reward points on transactions
• Up to 100% FD-backed limit
• No income proof required
• Suitable for travellers and beginners

Fees and Charges

AU Nomo Credit Card

AU Nomo Credit Card is suitable for first-time credit card users against a fixed deposit without requiring extensive income proof.

Key Features & Benefits

• 500 reward point on first transaction
• Two reward points on per Rs.100 on retail spends
• 500 reward points on 25000 spent in retail.
• Lowest foreign markup fees of up to 0.99%
• 2 complimentary lounge access every quarter on 50000 spend.
• 1% fuel surcharge waiver

Fees and Charges

IDFC FIRST EA₹N Credit Card

The IDFC FIRST EA₹N Credit Card is a secured RuPay credit card focused on UPI and cashback-based spending.

Key Features & Benefits

• 1% cashback on UPI transactions using IDFC first bank app
• 0.5% cashback on UPI transactions using UPI apps
• 25% off up to Rs.100 on movie tickets once a month
• 8% bonus cashback on travel bookings
• Minimum FD starts from ₹5,000
• Virtual RuPay credit card
• Suitable for digital payment users

Fees and Charges

Kotak 811 #DreamDifferent Credit Card

Kotak 811 DreamDifferent Credit Card is a lifetime free FD-backed credit card suitable for online shoppers and digital-first users.

Key Features & Benefits

• Lifetime free credit card
• Minimum FD starts from ₹10,000
• 1% fuel surcharge waiver across all petrol pumps
• Vouchers worth ₹1500
• No cibil score required
• Rewards on online spends

Fees and Charges

Utkarsh Small Finance Bank SuperCard

Utkarsh Small Finance Bank SuperCard offers FD-backed credit access with lifestyle and transaction benefits. It is suitable for users looking for basic credit-building opportunities along with spending flexibility.

Key Features & Benefits

• 5% and 2% on cashback on non-upi spends on myntra and flipkart
• 1% cashback on upi and non-upi transactions
• Contactless payment facility
• Helps build credit history
• Suitable for everyday transactions

Fees and Charges

Axis Bank Privilege Easy Credit Card Against FD

Axis Bank offers credit cards against FD with flexible limits and reward-based benefits for users seeking premium features even on secured cards.

Key Features & Benefits

• Up to 80%-90% FD-backed credit limit
• 12500 EDGE reward points
• Additional 10000 reward points on achieving milestone of 2.5 lakh in a year
• Two complimentary airport lounge access
• No income proof required
• Suitable for premium secured card users

Fees and Charges

SBM ZET Credit Card

SBM ZET Credit Card is among the lowest FD requirement secured credit cards available in India. It is suitable for users with low or no credit history.

Key Features & Benefits

• 20% off on 
• 15% cashback on 80+ brands
• 5% cashback on amazon and flipkart
• FD requirement starts around ₹2,000
• Suitable for students and beginners
• Helps build credit score

Fees and Charges

Federal Bank Fi Simplifi Credit Card

Federal Bank Fi Simplifi Credit Card focuses on digital spending and rewards-based usage.

Key Features & Benefits

• 1 fi-coins on every 100 eligible transactions
• 2x reward i.e 2 fi-coins for every 100 spent
• Rewards on weekend spends
• Discounts on partner merchants
• Digital-first card experience
• Suitable for online transactions

Fees and Charges

Benefits of Credit Cards Against FD

FD-backed credit cards provide several advantages for users with low or no credit history.

• Easy Approval: Banks approve these cards more easily because the fixed deposit acts as collateral.
• No Income Proof Required: Most banks do not require salary slips or high income eligibility.
• Helps Build Credit Score: Regular repayments can improve your credit history and CIBIL score over time.
• FD Continues Earning Interest: Your fixed deposit continues earning interest while securing your credit card.

Conclusion

Credit cards against fixed deposits are becoming one of the easiest ways to access credit and build a strong financial profile in India. In 2026, banks are offering FD-backed credit cards with premium features like cashback, lounge access, UPI rewards, zero forex markup, and digital payment benefits without requiring strong income proof or high credit scores. Compare the minimum FD amount, annual charges, rewards, and spending benefits carefully to choose the best FD-based credit card based on your financial goals and spending habits.