Best credit cards against a fixed deposit we compare
A secured card is issued against a fixed deposit, so the bank needs no income proof or credit history. The FD keeps earning interest; the limit is usually most of the FD. It's the usual way to build a CIBIL score from scratch.
6 cards · last verified 20 Oct 2026 · how we rank
Compare against FD cards
- 1Kotak811 Dream Different Credit Card
2% base · ₹424 joining, no annual fee · UPI
View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card. - 2Kotak811 super.money Credit Card
1% base · ₹249 joining, no annual fee · UPI
View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card. - 3IDFC FIRST WOW! Credit Card
0.5% base · Lifetime free
Apply nowVia our referral partner. We may earn a commission. - 4Suryoday SFB Stable Money RuPay Platinum Credit Card
0.5% base · Lifetime free · UPI
View on Stable Money siteIssuer's site. We don't earn from this card. - 5ICICI Bank Instant Platinum Credit Card
– base · Lifetime free
View on ICICI Bank siteIssuer's site. We don't earn from this card. - 6Axis Bank MY Zone Easy Credit Card
– base · ₹500 joining, ₹500 a year
View on Axis Bank siteIssuer's site. We don't earn from this card.
| # | Card | Base rate | Fees | UPI | Apply |
|---|---|---|---|---|---|
| 1 | Kotak811 Dream Different Credit CardKotak Mahindra Bank | 2% | ₹424 joining, no annual fee | Yes | View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card. |
| 2 | Kotak811 super.money Credit CardKotak Mahindra Bank | 1% | ₹249 joining, no annual fee | Yes | View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card. |
| 3 | IDFC FIRST WOW! Credit CardIDFC FIRST Bank | 0.5% | Lifetime free | No | Apply nowVia our referral partner. We may earn a commission. |
| 4 | Suryoday SFB Stable Money RuPay Platinum Credit CardSuryoday Small Finance Bank | 0.5% | Lifetime free | Yes | View on Stable Money siteIssuer's site. We don't earn from this card. |
| 5 | ICICI Bank Instant Platinum Credit CardICICI Bank | – | Lifetime free | No | View on ICICI Bank siteIssuer's site. We don't earn from this card. |
| 6 | Axis Bank MY Zone Easy Credit CardAxis Bank | – | ₹500 joining, ₹500 a year | No | View on Axis Bank siteIssuer's site. We don't earn from this card. |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.Ranking never depends on whether we earn from a card.
The cards in detail
- View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.
1. Kotak811 Dream Different Credit Card
2% cashback on most spends, including UPI payments made in the Kotak811 app, but only in billing cycles where you spend ₹15,000 or more. Cashback is capped at ₹500 a cycle (of which at most ₹200 from UPI) and ₹100 a transaction, and you claim it in the 811 app into your Kotak savings account. Fuel, rent, wallet loads, insurance, gold, gaming and EMI spends earn nothing.
₹424 joining, no annual fee
- View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.
2. Kotak811 super.money Credit Card
Cashback: 5% on Myntra and 2% on Flipkart when you pay by card (not UPI), 1% on UPI payments made in the super.money app, and 1% on other card spends. UPI and other spends need a payment of at least ₹100. Per billing cycle, UPI cashback is capped at ₹500 and Flipkart cashback at ₹500 (₹100 a transaction).
₹249 joining, no annual fee
- Apply nowVia our referral partner. We may earn a commission.
3. IDFC FIRST WOW! Credit Card
Secured card against a ₹20,000+ FD with no income proof or credit history. Online, offline and international spends earn 0.5% back in reward points, utilities, insurance, railways and FASTag 0.125%; zero forex markup.
Lifetime free
- View on Stable Money siteIssuer's site. We don't earn from this card.
4. Suryoday SFB Stable Money RuPay Platinum Credit Card
Flat 0.5% cashback on card and UPI spends, adjusted against your next bill, capped at ₹3,000 per billing cycle. Fuel, rent, utilities, phone and wallet recharges, insurance, education, government payments, trains, metro, buses and cab rides earn nothing.
Lifetime free
- View on ICICI Bank siteIssuer's site. We don't earn from this card.
5. ICICI Bank Instant Platinum Credit Card
ICICI doesn't publish this card's reward rate or what its points are worth. Its card-wide terms say fuel, rent, wallet loads, cash and EMI spends earn no points, and transport spends earn points only on the first ₹10,000 a statement cycle.
Lifetime free
- View on Axis Bank siteIssuer's site. We don't earn from this card.
6. Axis Bank MY Zone Easy Credit Card
4 EDGE REWARD points per ₹200 on domestic spends; Axis doesn't publish what this card's points are worth. 25% cashback on movie tickets (online or at the box office), capped at ₹1,000 a calendar year. Fuel and movie-ticket spends earn no points.
₹500 joining, ₹500 a year
What you'd get back on everyday spends
- View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.
1. Kotak811 Dream Different Credit Card
₹2,400 a year at 2% · no annual fee
- View on Kotak Mahindra Bank siteIssuer's site. We don't earn from this card.
2. Kotak811 super.money Credit Card
₹1,200 a year at 1% · no annual fee
- Apply nowVia our referral partner. We may earn a commission.
3. IDFC FIRST WOW! Credit Card
₹600 a year at 0.5% · lifetime free
- View on Stable Money siteIssuer's site. We don't earn from this card.
4. Suryoday SFB Stable Money RuPay Platinum Credit Card
₹600 a year at 0.5% · lifetime free
Uses each bank's published rate and monthly cap for this spend. Some merchants and payment types are excluded; see each card's page. Annual fees exclude GST and are often waived above a yearly spend.
Related guides and comparisons
Questions people ask
Which against FD card gives the most on everyday spends?
Among the cards we compare, the Kotak811 Dream Different Credit Card from Kotak Mahindra Bank is first, at 2% value back on everyday spends. Rates are capped on most cards, so check the monthly limit on its page.
Is there a lifetime free option?
Yes: IDFC FIRST WOW! Credit Card, Suryoday SFB Stable Money RuPay Platinum Credit Card, ICICI Bank Instant Platinum Credit Card. They charge no joining or annual fee on the bank's own terms.
Which of these cards work on UPI?
Kotak811 Dream Different Credit Card, Kotak811 super.money Credit Card, Suryoday SFB Stable Money RuPay Platinum Credit Card. Only RuPay credit cards can be linked to UPI apps, and UPI rewards are often lower than card rewards.
How did you check these numbers?
Every fee, reward rate and eligibility rule comes from the issuing bank's official pages and terms, last verified 20 Oct 2026. Where a bank doesn't publish what a reward point is worth, we leave the rate blank instead of guessing.
What is a credit card against FD?
It's a secured credit card: you keep a fixed deposit with the bank, the bank holds a lien on it, and your credit limit is set as a share of the deposit. The FD stays yours and keeps earning interest at its booked rate. Axis and Kotak811 Dream Different don't let you close it while the card is open; with Kotak811 super.money you can withdraw it, but your limit falls with it. Because the deposit covers the bank, Axis, IDFC FIRST, Suryoday and Kotak (for Dream Different) say no income proof is needed.
What is the minimum FD amount for a credit card?
It depends on the bank. Among the cards we compare, Kotak811 super.money starts at ₹1,000, Kotak811 Dream Different at ₹10,000 (for a term of at least 181 days), Axis MY Zone Easy at ₹15,000, IDFC FIRST WOW! at ₹20,000 and ICICI Instant Platinum at ₹50,000 (open at least 180 days and set to auto-renew). Stable Money's Suryoday card needs ₹50,000 for a physical card. Most of these banks exclude tax-saver FDs and want the deposit in your own name.
How much credit limit do I get on an FD credit card?
A share of the deposit, set by the bank: up to 100% at IDFC FIRST (WOW!), up to 90% at ICICI, Kotak and Suryoday, and up to 80–90% at Axis. So a ₹50,000 FD at 90% gives a limit of up to ₹45,000. Kotak's general card terms say 80% for Dream Different, lower than its product page, so your limit may differ. Kotak lets you link more FDs to raise the limit.
Is a credit card against FD good?
It's a sound first card if you can't show income or have no credit history: the deposit keeps earning interest, and paying the full bill every month builds a credit history. It's still credit, though. Unpaid dues attract the card's interest, far above what the FD earns (up to 3.75% a month on the ICICI and Kotak Dream Different cards), and the bank can use the FD to recover them: Suryoday can break it after 60 days overdue or once dues reach 98% of the deposit, and Kotak can use the super.money FD after 60 days unpaid. Approval is at the bank's discretion even with a deposit.
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.