If you have a low credit score or no credit history, a credit card against a Fixed Deposit (FD) can be the best option to improve your credit score. These are secured credit cards where you need to provide an FD as security and therefore, they are easier to get approved compared to regular credit cards. By using your FD as security, you can enjoy the benefits of a credit card and simultaneously build a strong credit history. Below is a list of The Best Credit Cards against FD in India (2026).
1. IDFC First WOW! Credit Card
Fees & Charges
- Annual/Joining Fee: Nil
- Forex Markup: Nil
- Cash Withdrawals Charges: ₹199 + taxes
- Cash Withdrawals Interest: Nil for up to 45 days
Key Features/Benefits
- Minimum FD amount required ₹20,000.
- Credit/Cash Withdrawals limit up to 100% of the FD amount.
- Get 6.3% Interest on FD.
- 4 Reward points on every ₹200 spend on Online, Offline and International Spends.
- 1 Reward points on every ₹200 spend on Utilities and Insurance Premium.
- 1 Reward Point = ₹0.25
- 1% Fuel Surcharge Waiver up to ₹200 per month.
- Up to ₹25,000 card liability cover.
- ₹2 Lakh personal accident insurance.
- Up to ₹25,000 purchase protection cover.
- Best for International Travel.
2. Kotak 811 #DreamDifferent Credit Card
Fees & Charges
- Joining Fee: ₹250+taxes (for FD below ₹20,000), Nil (for FD above ₹20,000)
- Annual/Renewal Fee: Nil
- Finance Charges: 3.75%
Key Features/Benefits
- Minimum FD amount required ₹10,000 with a minimum tenure of 181 days.
- Credit/Cash withdrawals limit up to 90% of FD amount.
- Get up to 6.6% interest on FD.
- Welcome benefit of 3 months OTT Subscription at ₹1 and ₹250 Woohoo vouchers on spending ₹1000 within 30 days of card activation.
- Vouchers worth ₹1000 on spending ₹72,000 annually.
- Cashback of ₹750 on spending ₹75,000 annually with VISA variant.
- 4 Reward points on online spends.
- 1 Reward points on offline spends.
- 1 Reward point = ₹0.20
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹3500 per year (valid on transactions between ₹500 to ₹4000).
- 1.8% Railway Surcharge waiver on spends on irctic.co.in and 2.5% Railway Surcharge waiver on spend on Railway booking counters (maximum ₹500 per year).
3. SBI Unnati Credit Card
Fees & Charges
- Joining Fee: Nil
- Annual/Renewal Fee: ₹499 + taxes, waived off for first 4 years
- Finance Charges: 3.75% per month
Key Features/Benefits
- Minimum FD amount required ₹25,000.
- Credit limit up to 80% of FD amount.
- No joining or annual fee for first 4 years.
- Cashback of ₹500 on spending of ₹50,000 or more annually.
- 1 Reward point on every ₹100 spends.
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹100 per statement cycle (valid on transactions between ₹500 to ₹3000).
4. Suryoday SF Bank RuPay Platinum Secured Credit Card
Fees & Charges
- Joining Fee: Nil
- Annual/Renewal Fee: Nil
- Forex Markup: 2.50%
- Finance Charges: 2.95% per month
Key Features/Benefits
- Minimum FD amount required ₹1000.
- Credit limit up to 90% of FD amount.
- Get up to 7.9% interest on FD.
- 0.5% Cashback on all transactions, maximum ₹3,000 per statement cycle.
- UPI enabled for seamless payments.
- Personal accident insurance cover up to ₹2 lakh.
- 24/7 Concierge services from travel assistance to hotel & consultancy services.
- Exclusive merchant offers and partner offers.
- Free airport lounge access at certain airports.
5. SBM Credilio Rupay Credit Card
Fees & Charges
- Joining Fee: Nil
- Annual/Renewal Fee: Nil
- Forex Markup: 2.49%
- Finance Charges: 2.50% per month
Key Features/Benefits
- Minimum FD amount required ₹2,000.
- Get up to 7% interest on FD.
- Credit limit up to 90% of FD amount.
- Cash withdrawal limit up to 50% of credit limit.
- Welcome benefits of worth ₹5,000 vouchers of top brands like HPCL, AJIO, Trends Footwear, Soch, Watcho, Yatra etc.
- UPI enabled for seamless payments.
- Buy 1 Get 1 free BookMyShow movie tickets, maximum ₹3,000 yearly.
- Save ₹1200 each on Amazon, Zepto, Swiggy yearly.
- 10 Novio coins on every ₹100 spend on Fuel via UPI, maximum 400 coins per statement cycle (minimum transaction ₹400).
- 1 Novio coin on every ₹100 spends on Fuel via Card Swipe, maximum 40 coins per statement cycle (minimum transaction ₹400).
- 5 Novio coins on every ₹100 spend on other categories.
- Best for UPI transactions.
6. Axis Bank My Zone Easy Credit Card
Fees & Charges
- Joining Fee: ₹500 + taxes
- Annual/Renewal Fee: ₹500 + taxes
- Forex Markup: 3.50%
- Finance Charges: 3.40% per month
Key Features/Benefits
- Minimum FD amount required ₹15,000.
- Credit limit up to 90% of FD amount.
- Cash withdrawal up to 100% of credit limit.
- 4 Reward points on every ₹200 spend on domestic transactions.
- 25% Cashback on online and box office movie tickets, maximum ₹1,000 annually.
- 15% off on Dinning at partner restaurants.
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹400 per statement cycle (valid on transactions between ₹400 to ₹4000).
7. AU NOMO Credit Card
Fees & Charges
- Joining Fee: ₹199 + taxes
- Annual/Renewal Fee: Nil
- Forex Markup: 0.99%
- Finance Charges: 3.75% per month
Key Features/Benefits
- Minimum FD amount required ₹10,000.
- Credit limit up to 100% of FD amount.
- Welcome benefit of 500 reward points on 1st transaction within 30 days of card activation.
- 500 Reward points on retail spends of ₹25,000 and additional 500 reward points on retail spends of ₹50,000 (excluding Fuel & Cash transactions).
- 2 Reward points on every ₹100 spend on retail purchases.
- 1 Reward point on every ₹100 spends on utilities and insurance.
- 1 Reward point = ₹0.25.
- 2 Complimentary Domestic airport lounge visits every quarter on minimum spending ₹20,000 per quarter.
- 2 Complimentary Railway lounge visits every quarter.
- Zero card liability cover on lost or stolen cards, plus skimming and online fraud protection cover.
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹100 per statement cycle (valid on transactions between ₹400 to ₹5000).
- Best for Travel.
8. Bank of Baroda Prime Credit Card
Fees & Charges
- Joining Fee: Nil
- Annual/Renewal Fee: Nil
- Finance Charges: 3.75% per month
Key Features/Benefits
- Minimum FD amount required ₹30,000.
- Credit limit up to 90% of FD amount.
- Welcome benefit of 500 reward points on minimum spends of ₹5,000 within 60 days of card activation.
- 2 Reward points on every ₹100 spend.
- 1 Reward point = ₹0.20.
- Personal accidental death insurance cover of ₹15 lakh for Air and ₹5 lakh for Non-Air.
- 1% Fuel Surcharge Waiver on fuel spends maximum ₹250 per statement cycle (valid on transactions between ₹400 to ₹5000).