{"id":5282,"date":"2024-08-03T12:59:55","date_gmt":"2024-08-03T07:29:55","guid":{"rendered":"https:\/\/jupiter.money\/blog\/?p=5282"},"modified":"2026-04-02T07:13:49","modified_gmt":"2026-04-02T07:13:49","slug":"credit-cards-against-fd","status":"publish","type":"post","link":"https:\/\/jupiter.money\/blog\/credit-cards-against-fd\/","title":{"rendered":"Credit Card Against FD: Meaning, How Does it Works, Features"},"content":{"rendered":"<p> If you&#8217;re interested in a <a href=\"https:\/\/jupiter.money\/blog\/what-is-credit-card\/\">credit card<\/a> but have a low credit score, you can consider getting an <a href=\"https:\/\/jupiter.money\/glossary\/secured-credit-cards\/\">FD credit card<\/a>. This type of secured credit card is backed by a fixed deposit you hold with a financial institution. FD credit cards have gained popularity recently because they are easy to access and come with low-interest rates. Typically, you can receive a credit limit of 70-90% of your FD amount. Additionally, your fixed deposit will continue to earn interest as expected. The following sections will explain how a credit card backed by an FD works.<\/p>\n<h2>What Is a Credit Card Against Fixed Deposit?<\/h2>\n<p>A credit card backed by a fixed deposit (FD) is a secured credit card option for FD holders. To qualify, you&#8217;ll need a minimum FD amount, typically at least \u20b95,000, though it&#8217;s recommended to have \u20b950,000 or more for a higher credit limit. The <a href=\"https:\/\/jupiter.money\/blog\/guide-to-credit-card-limit\/\">credit limit<\/a> on these cards usually ranges from 70% to 90% of your FD amount.<\/p>\n<h2>Why Get a Credit Card Against Your Fixed Deposit?<\/h2>\n<p>You should consider a credit card against your fixed deposit if you:<\/p>\n<ul class=\"box-img box_part2\" style=\"margin: 40px 0 20px 0;\">\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/12\/struggle-to-get-approved-a-card.svg\" alt=\"\" \/><strong>Struggle to get approved for a regular credit card<\/strong><\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/12\/irregular-income.svg\" alt=\"\" \/><strong>Have an inconsistent or irregular income<\/strong><\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/10\/credit-score.svg\" alt=\"\" \/><strong>Have limited or no credit history<\/strong><\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/10\/earning-income.svg\" alt=\"\" \/><strong>Don&#8217;t have a <a href=\"https:\/\/jupiter.money\/blog\/credit-card-without-income-proof\/\" data-wpil-monitor-id=\"5\">proof of income<\/a><\/strong><\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/11\/self-employment.svg\" alt=\"\" \/><strong>Are self-employed, a homemaker, or have a similar situation<\/strong><\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/12\/Low-income.svg\" alt=\"\" \/><strong>Have a low-income job<\/strong><\/li>\n<\/ul>\n<h2>How Does a Fixed Deposit Credit Card Work?<\/h2>\n<ol class=\"numb-list\">\n<li>\n<h3>1. Fixed Deposit as Security<\/h3>\n<p>As mentioned earlier; to get a credit card backed by a fixed deposit (FD), you\u2019ll need to open an FD account with the bank. The money you deposit in the FD acts as security for the credit card. There\u2019s often a minimum deposit amount required.<\/li>\n<li>\n<h3>2. Usage<\/h3>\n<p>A credit card linked to an FD works just like any regular credit card. You can use it for shopping, paying bills, and other purchases. The credit limit determines how much you can spend, and you need to pay off the balance each month.<\/li>\n<li>\n<h3>3. Interest Rates<\/h3>\n<p>Credit cards backed by FDs typically have lower <a href=\"https:\/\/jupiter.money\/blog\/credit-card-interest-rate\/\">interest rates<\/a> compared to regular credit cards because the FD serves as a safety net for the bank. If you can\u2019t make your credit card payments, the bank can use the money from your FD to cover the debt.<\/li>\n<li>\n<h3>4. Building Credit History<\/h3>\n<p>These cards can help people who have little or no credit history. By making payments on time, you can start to build a good credit score. This will allow you to get unsecured credit cards in the future.<\/li>\n<li>\n<h3>5. Easier Approval<\/h3>\n<p>Getting approved for an FD-backed credit card is often easier than a regular credit card because the bank has less risk. This is a good choice for people who have been turned down for other credit cards.<\/li>\n<li>\n<h3>6. Fixed Deposit Tenure<\/h3>\n<p>These credit cards are linked to the fixed deposit, meaning you can\u2019t withdraw the money early unless you close the credit card or the bank releases the hold on the FD.<\/li>\n<\/ol>\n<h2>Features and Benefits of an FD Credit Card<\/h2>\n<div class=\"icon-liststyle\">\n<ul>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/12\/Safety.svg\" alt=\"\" \/>\n<div class=\"list-cont\">\n<h3>Safety<\/h3>\n<p>Fixed deposits are a secure investment in India, providing good returns while keeping your money safe. An FD-backed credit card offers a risk-free borrowing option.<\/p>\n<\/div>\n<\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/11\/Documentation.svg\" alt=\"\" \/>\n<div class=\"list-cont\">\n<h3>Minimal Documentation<\/h3>\n<p>When you get a credit card against a fixed deposit (FD), no extra paperwork is needed since you already have an existing relationship with the bank. This simplifies the application process significantly.<\/p>\n<\/div>\n<\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/12\/Ample-Credit-Limit.svg\" alt=\"\" \/>\n<div class=\"list-cont\">\n<h3>Ample Credit Limit<\/h3>\n<p>The credit limit on an FD-backed card typically depends on the amount of the FD. Most banks offer 70-90% of the FD amount as the credit limit.<\/p>\n<\/div>\n<\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/11\/reword.svg\" alt=\"\" \/>\n<div class=\"list-cont\">\n<h3>Extra Rewards<\/h3>\n<p>In addition to the security of an FD-backed credit card, you also enjoy the usual benefits of a regular credit card. This includes earning reward points, gaining access to airport lounges, receiving cashback offers, and more.<\/p>\n<\/div>\n<\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/12\/Interest-on-FD.svg\" alt=\"\" \/>\n<div class=\"list-cont\">\n<h3>Interest on FD<\/h3>\n<p>Even after securing a credit card against your FD, you continue to earn interest on your fixed deposit. This allows you to benefit from both the interest income and the credit facility simultaneously.<\/p>\n<\/div>\n<\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/12\/Affordable-FD-Amount.svg\" alt=\"\" \/>\n<div class=\"list-cont\">\n<h3>Affordable FD Amount<\/h3>\n<p>The fixed deposit (FD) amount required to obtain a credit card typically ranges from \u20b95,000 to \u20b920,000, making it an accessible option for many individuals.<\/p>\n<\/div>\n<\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/12\/Short-Tenure.svg\" alt=\"\" \/>\n<div class=\"list-cont\">\n<h3>Short Tenure<\/h3>\n<p>The minimum tenure for the fixed deposit is at least 6 months, offering a relatively short commitment period for cardholders.<\/p>\n<\/div>\n<\/li>\n<\/ul>\n<\/div>\n<h2>Eligibility Criteria to Get an FD-Based Credit Card<\/h2>\n<p>To be eligible for a Credit Card against Fixed Deposit (FD), you need to:<\/p>\n<ul class=\"box-img box_part2 box22\" style=\"margin: 40px 0 20px 0;\">\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/10\/india.svg\" alt=\"\" \/><strong>Be an Indian resident.<\/strong><\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/10\/age-limit.svg\" alt=\"\" \/><strong>Be at least 18 years old.<\/strong><\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/12\/calendar-6-months.svg\" alt=\"\" \/><strong>Have a fixed deposit for at least 6 months.<\/strong><\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/12\/active-fixed-deposit.svg\" alt=\"\" \/><strong>Have an active fixed deposit with the card-issuing bank.<\/strong><\/li>\n<li><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/12\/collateral.svg\" alt=\"\" \/><strong>Have a fixed deposit that isn&#8217;t used as <a href=\"https:\/\/jupiter.money\/blog\/collateral\/\">collateral <\/a>for other loans.<\/strong><\/li>\n<\/ul>\n<h2>Difference between a Credit Card against FD (Secured Card) vs an Unsecured Card<\/h2>\n<div class=\"responsive_table\" style=\"margin: 10px 0 50px 0;\">\n<table>\n<tbody>\n<tr class=\"sticky\">\n<td class=\"sticky\"><strong>Feature<\/strong><\/td>\n<td><strong>Unsecured Credit Cards<\/strong><\/td>\n<td><strong>Secured Credit Cards<\/strong><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Deposit Required<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">No deposit is needed. These cards are issued based on your creditworthiness and financial history.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes, a refundable security deposit is required. This deposit acts as collateral and typically determines your credit limit.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Minimum Credit Score for Approval<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">Typically, a score of 670 or higher is recommended. These cards are often reserved for individuals with good to excellent credit.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Available to individuals with lower credit scores or even no credit history. They are designed to help build or rebuild credit.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Average Annual Percentage Rate (APR)<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">Often higher, usually above 20 percent. The APR can vary widely based on your credit profile and the card issuer&#8217;s terms.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Generally lower compared to unsecured cards. The presence of a security deposit reduces the risk for the issuer, leading to lower rates.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Annual Fees<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">May or may not be charged. Some unsecured cards have annual fees, especially those offering premium rewards or benefits.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Typically, there is no annual fee when you opt for a secured credit card. <\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Credit Reporting to Bureaus<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">Yes, unsecured cards report your payment history to credit bureaus, helping you build your credit score with responsible use.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Yes, secured cards also report to <a href=\"https:\/\/jupiter.money\/blog\/top-credit-bureaus-in-india\/\" data-wpil-monitor-id=\"6\">credit bureaus<\/a>, which helps in establishing or improving your credit score.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Rewards Programs<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">Often come with various rewards programs, such as cash back, points, or travel perks, depending on the card.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Rewards programs are less common. If available, they may offer fewer rewards compared to unsecured cards.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Credit Limit<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">Typically based on your creditworthiness, income, and financial behaviour. Limits can be high for individuals with excellent credit.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The credit limit is usually equal to the amount of the security deposit. It can increase with additional deposits or after demonstrating responsible use.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Application Process<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">More strict; requires a good to excellent credit score for approval. The process involves a detailed review of your credit history.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Generally more accessible; designed for individuals with less-than-perfect credit or no credit history. The application process is simpler.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Potential for Upgrade<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">You may qualify for higher-tier cards with better rewards and benefits as your credit improves.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Potential to upgrade to an unsecured card after demonstrating responsible use and improving your credit score.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Interest Rates<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">Higher interest rates are common, especially for those with average credit. The rates vary by issuer and card type.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Interest rates are usually lower due to the reduced risk from the security deposit.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Foreign Transaction Fees<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">Often around 2-3% of the transaction amount. This fee can vary based on the card issuer and type.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Fees vary by card; some secured cards may offer no foreign transaction fees.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Usage Flexibility<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">Can be used for a wide range of purchases and may offer various additional benefits, such as travel insurance and purchase protection.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Function similarly to unsecured cards but are generally more limited in terms of additional perks and benefits.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Fraud Protection<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">Includes protection against unauthorised transactions, often with zero liability for fraudulent charges if reported promptly.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Also includes fraud protection, similar to unsecured cards, with zero liability for unauthorised transactions if reported promptly.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Additional Benefits<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">Often includes extra perks like extended warranties, travel insurance, and access to exclusive events or services.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Usually offers fewer extra benefits, focusing primarily on building credit rather than providing additional perks.<\/span><\/td>\n<\/tr>\n<tr>\n<td class=\"sticky\"><strong>Primary Purpose<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">Ideal for those with good credit seeking rewards and benefits.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Designed to help individuals build or rebuild credit, often used as a stepping stone to qualify for unsecured credit cards.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<div class=\"cta_container\">\n<div class=\"cta_row\">\n<div class=\"cta_col_4\"><img decoding=\"async\" src=\"https:\/\/jupiter.money\/blog\/wp-content\/uploads\/2024\/07\/jupiter_card.svg\" alt=\"\" \/><\/div>\n<div class=\"cta_col_8\">\n<p class=\"cta_heading\">Looking for a credit card that fulfils all your needs?<\/p>\n<p>Get the Edge CSB Bank RuPay Credit Card on Jupiter<\/p>\n<div class=\"cta_main_box\">\n<div class=\"ctb_btn_box\">Apply Now!<\/div>\n<p>&nbsp;<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<h2>Frequently Asked Questions (FAQs)<\/h2>\n<p><br \/>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"What Is a Credit Card Against Fixed Deposit?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"A credit card backed by a fixed deposit (FD) is a secured credit card option for FD holders. The credit limit on these cards usually ranges from 70% to 90% of your FD amount.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Why Get a Credit Card Against Your Fixed Deposit?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"You should consider a credit card against your fixed deposit if you struggle to get approved for a regular credit card, have an inconsistent or irregular income, have limited or no credit history, don\u2019t have a proof of income and have a low income job and you are self-employed, a homemaker, or have a similar situation\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"How Does a Fixed Deposit Credit Card Work?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"An FD-backed credit card uses your fixed deposit as collateral. You can spend up to a certain limit, but your funds are essentially locked until you close the card. This option offers lower interest rates and easier approval, making it suitable for those building credit history.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"Can I increase my credit card limit by adding more money to my fixed deposit?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"Yes, you can generally increase your credit card limit by depositing more funds into your fixed deposit account. The exact process and maximum limit may vary depending on your bank.\"\n    }\n  },{\n    \"@type\": \"Question\",\n    \"name\": \"How much money do I need to deposit to get a credit card against my fixed deposit?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"The minimum fixed deposit amount required to obtain a credit card varies across different banks. It\u2019s recommended to check the specific requirements of the bank you\u2019re interested in.\"\n    }\n  }]\n}\n<\/script> <\/p>\n","protected":false},"excerpt":{"rendered":"<p> If you&#8217;re interested in a credit card but have a low credit score, you can consider getting an FD credit card. This type of secured credit card is backed by a fixed deposit you hold with a financial institution. FD credit cards have gained popularity recently because they are easy to access and come with [&hellip;] <\/p>\n","protected":false},"author":4,"featured_media":5283,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[7],"tags":[],"class_list":["post-5282","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Is Credit Card Against FD and Who can get one?<\/title>\n<meta name=\"description\" content=\"Learn about credit card against FD. 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