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Credit cards against a fixed deposit

16 secured credit cards that banks issue against a fixed deposit, with the minimum deposit and terms in the bank's own words.

Updated 16 Oct 2026. Every figure is from the bank’s own document; open Proof to see the bank’s words.

Axis Bank

  1. Axis Bank MY Zone Easy Credit Card

    • Fixed Deposit backed secured credit card, with minimal documentation and guaranteed approval

    Annual fee ₹500

  2. Privilege Easy Credit Card

    • A Fixed Deposit at any Axis Bank branch, minimum ₹65,000 and maximum ₹25,00,000; minors are not eligible for the card

    Annual fee ₹1,500

BOBCARD

  1. PRIME

    • Guaranteed issuance against FD of Rs. 30000 or more without any income proof

    Annual fee ₹0

Canara Bank

  1. Mastercard Gold Secured Credit Card

    • Issued to individuals against Deposits standing in the name of the applicant; Joint Deposits with payment condition “Either or Survivor” in which the applicant is one of the depositors shall also be accepted

    Annual fee ₹0

DCB Bank

  1. DCB Niyo Credit Card

    • Apply using the Niyo Global app: go to the Credit Card section, set the credit limit by marking a lien in your DCB Savings Bank account, and activate your virtual card instantly; the physical card is delivered within 5 to 7 working days

    Annual fee ₹0

  2. DCB novio Credit Card

    • Indian resident with a DCB Bank fixed deposit of minimum ₹2,000

    Annual fee ₹0

HDFC Bank

  1. Credit Card Against FD

    • How to apply

      Apply for a Fixed Deposit Backed Credit Card online without any documentation

    • Income needed

      You can get a Credit Card against FD without providing income proof

    • Eligibility

      Credit Cards will not be issued if the FD amount is less than ₹15,000, tenure is less than 1 year, or PAN is not updated/inoperative; Tax Saver, NRI, Minors, Existing Lien Marked, Sweep-in and Non-Withdrawal FDs are not applicable

IDBI Bank

  1. Imperium Credit Card

    • Minimum eligible Fixed Deposit amount for issuance is 20,000 or its equivalent FCNR deposits

    Annual fee ₹499

IDFC FIRST Bank

  1. FIRST EA₹N Credit Card

    • No income proof required; you need to create and maintain a minimum fixed deposit of ₹5000

    Annual fee ₹499 + GST

  2. FIRST WOW!

    • No credit history or income proof required; minimum FD amount of ₹20,000 required with IDFC FIRST Bank

    Annual fee ₹0

  3. FIRST WOW! Black Credit Card

    • You do not need a credit history or income proof; have a minimum Fixed Deposit (FD) of ₹20,000 with IDFC FIRST Bank

    Annual fee ₹750 + GST

  4. Hello Cashback

    • You do not need any credit history or income proof; minimum fixed deposit of ₹10,000

    Annual fee ₹1,000 + GST

SBI Card

  1. SBI Card Unnati

    • Issued against a lien on the cardholder’s SBI fixed deposit of Rs. 25,000 or more

South Indian Bank

  1. Secured SIB One Co-Branded Credit Card

    Annual fee ₹0

Utkarsh Small Finance Bank

  1. Utkarsh superCard

    • 18 & Above (FD Backed Credit Card)

    Annual fee ₹0

  2. Wish Credit Card

    • 18 to 80 years (FD Backed Credit Card)

    Annual fee ₹0