🔓 The Mega-List: 25+ Best FD-Backed Credit Cards in India (Late 2025 Edition)

Subtitle: From Super.Money to IDFC WOW—The ultimate guide to building a 750+ Credit Score without income proof.

Are you tired of rejected credit card applications? Whether you are a student, a freelancer, a homemaker, or someone recovering from a bad credit history, the banking world has a secret backdoor for you: The Fixed Deposit (FD) Backed Credit Card.

These cards are not just "dummy" cards. They offer lounge access, metal form factors, UPI cashback, and zero forex fees. The best part? Approval is 100% guaranteed because your FD acts as security.

Below is the most extensive list on the internet, covering over 25 cards available right now.

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🚀 The "Gen-Z Fintech" Collection (Modern, App-First, High Rewards)

These cards are digital-first, often issued by SBM Bank (State Bank of Mauritius) or other fintech partners. They are famous for their slick apps and unique rewards.

1. Supercard by super.money

• Why it's hot: The "UPI First" credit card.
• Best Feature: Offers up to 5% Cashback on everyday UPI transactions when linked to the super.money app.
• Min FD: ₹5,000.

2. ZET Magnet Credit Card

• Why it's hot: Designed for gig workers and financial affiliates.
• Best Feature: Works seamlessly with the ZET app to track earnings and spends.
• Min FD: ₹5,000.

3. SBM Rupicard Credit Card

• Why it's hot: A dedicated credit-builder card.
• Best Feature: Very high approval rate for those with "thin" credit files.
• Min FD: ₹5,000.

4. SBM Kredit.Pe Card

• Why it's hot: Integrated heavily with the Kredit.Pe ecosystem.
• Best Feature: Instant virtual issuance and cashback on specific bill payments.
• Min FD: ₹2,000 - ₹5,000.

5. SBM MobiKwik First RuPay Credit Card

• Why it's hot: The wallet-integrated card.
• Best Feature: Great for MobiKwik users. It is a RuPay card, meaning you can scan UPI QR codes to pay using your credit limit!
• Min FD: ₹5,000.

6. SBM Credilio Secured Credit Card

• Why it's hot: Targeted at the digital generation.
• Best Feature: "Novio Coins" rewards system that is easy to redeem for digital vouchers.
• Min FD: ₹5,000.

7. SBM UNI Card

• Why it's hot: From the makers of the famous 1/3rd Card.
• Best Feature: While the "Pay in 3" model has evolved, the secured UNI card offers one of the smoothest app interfaces in the industry.
• Min FD: Check app for current tier.

8. SBM OneCard Credit Card

• Why it's hot: The Metal Card.
• Best Feature: If your FD is high enough (usually ₹50k+), you get a heavy metal card that looks incredibly premium. The app offers the best spend analysis in India.
• Min FD: ₹5,000 (Plastic variant) / ₹50,000 (Metal variant).

9. SBM GILD Credit Card

• Why it's hot: The Asset-Backed Card.
• Best Feature: A unique proposition where your credit is backed by Digital Gold or FD. It screams luxury.
• Min FD: ₹10,000+.

10. Niyo SBM Global Credit Card

• Why it's hot: The Traveler's Best Friend.
• Best Feature: Zero Forex Markup. You can load INR and spend in USD/EUR/GBP without paying the standard 3.5% conversion fee.
• Min FD: ₹5,000.

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🏆 The "IDFC FIRST" Powerhouse (Travel & Lifestyle)

IDFC FIRST Bank has revolutionized the secured card market with "No T&C" features.

11. IDFC FIRST WOW! Credit Card

• The King of FD Cards.
• Features: Zero Forex Fee, 4x Rewards on every spend, and up to 7% interest on your FD.
• Min FD: ₹2,000 - ₹10,000.

12. IDFC FIRST EA₹N Credit Card

• The UPI Specialist.
• Features: This is a Virtual RuPay card designed specifically for UPI payments. It focuses on cashback for small, daily digital transactions.
• Min FD: ₹5,000.

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🏛️ The "Big Bank" Titans (Reliability & Trust)

These cards come from India's largest banking institutions. Excellent for building a long-term relationship with a major bank.

13. Kotak 811 #DreamDifferent Credit Card

• Best For: Kotak 811 Account holders.
• Features: Lifetime Free. 90% credit limit of your FD. Simple and effective for credit building.
• Min FD: ₹10,000.

14. ICICI Bank Instant Platinum Credit Card

• Best For: Emergency credit.
• Features: Issued instantly via NetBanking. It's a "Gemstone" collection card, making it easier to upgrade to Amazon Pay ICICI later.
• Min FD: ₹50,000.

15. SBI Unnati Credit Card

• Best For: Total safety.
• Features: Issued by India's largest public bank. No annual fee for the first 4 years.
• Min FD: ₹25,000.

16. Axis Bank Insta Easy Credit Card

• Best For: Axis account holders.
• Features: guaranteed approval. You can withdraw up to 100% of your credit limit (unheard of in other cards).
• Min FD: ₹20,000.

17. Bank of Baroda Prime Credit Card

• Best For: Public Sector reliability with private sector features.
• Features: 1% Fuel Surcharge waiver and decent reward points.
• Min FD: ₹15,000.

18. PNB FD Credit Card (PNB One App)

• Best For: Punjab National Bank loyalists.
• Features: Available via the PNB One App. Offers RuPay variants for UPI integration.
• Min FD: Varies (approx ₹10,000+).

19. Union Bank of India Secured Card

• Best For: Low interest rates.
• Features: Union Bank offers cards against FD with very competitive interest rates on revolving credit.
• Min FD: ₹25,000.

20. Standard Chartered Platinum Rewards (Secured)

• Best For: Premium dining.
• Features: Access to the "Good Life" dining program even on a secured card.
• Min FD: Contact branch (usually ₹50,000+).

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💎 The "Rewards & Lifestyle" Specialists

Secured cards that don't feel like secured cards.

21. Tata Neu Plus HDFC Bank Credit Card (Secured)

• The Shopper's Dream.
• Features: Earn 2% - 5% back as NeuCoins on BigBasket, Croma, and Tata apps. It's a RuPay card, so it works with UPI.
• Min FD: ₹15,000 (via Neu App/HDFC NetBanking).

22. AU Nomo Credit Card

• The Lounge Access Hack.
• Features: One of the few secured cards offering Airport Lounge Access. Also features low forex markup.
• Min FD: ₹20,000.

23. Paisabazaar Step Up Credit Card

• The Credit Builder.
• Features: Specifically built with an algorithm to help you "Step Up" your CIBIL score faster.
• Min FD: ₹2,000.

24. Suryoday SF Bank RuPay Platinum

• The Hidden Gem.
• Features: Often offered via platforms like "Stable Money". It's a RuPay Platinum card offering network-specific benefits.
• Min FD: ₹5,000.

25. HDFC MoneyBack+ (Secured Variant)

• The Entry Level HDFC.
• Features: If you don't qualify for Tata Neu, HDFC often offers the MoneyBack+ against an FD. Great for 10X CashPoints on Amazon/Flipkart.
• Min FD: ₹15,000+.

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📊 Quick Comparison Table (Top Picks)

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💡 Pro Tip for Success

When you take one of these cards, do not touch the Fixed Deposit. Let it sit there earning interest. Use the credit card for your daily expenses and pay the full bill on the due date.

Doing this for 6 months will likely boost your CIBIL score above 750, qualifying you for "Unsecured" (no FD required) cards with even higher limits!

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🎯 Key Takeaways

1. FD-backed cards guarantee approval - Perfect for students, freelancers, or anyone with limited credit history
2. Premium features at low FD amounts - Get lounge access, cashback, and zero forex fees starting from just ₹5,000
3. Credit score building - Consistent usage and full payment can boost your CIBIL to 750+ in 6 months
4. Modern fintech options - SBM-backed cards offer app-first experiences with UPI integration
5. Big bank reliability - IDFC, SBI, and ICICI options provide trust and long-term banking relationships

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Disclaimer: Card features, minimum FD amounts, and banking partners (especially for SBM co-branded cards) are subject to regulatory changes. Always check the official app or website for the latest Key Fact Statement (KFS) before applying.