Best FD-backed Credit Cards

• Zero forex markup fee for international transactions
• 100% cash withdrawal facility from ATMs with 0% interest for up to 45 days
• No expiry on Reward Points, offering flexibility in redemption.

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• Up to 5% cashback benefit on spends across various categories
• Cashback worth up to ₹18,000 per year
• 1% cashback on UPI spends when scanning and paying using IDFC FIRST Bank app

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• Earn 3% cashback on all offline (PoS) and online (Ecom) card payments
• Earn 3% cashback on UPI payments via Kredit.Pe app
• Earn 5% cashback on Kredit.Pe UPI spends above ₹10,000 per month; capped at ₹500 per month

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• FD-backed virtual RuPay credit card issued instantly against a fixed deposit minimum FD ₹5,000; credit limit up to 100% of FD value
• Earn up to 1% cashback on UPI spends via the IDFC FIRST Bank mobile app, 0.5% on UPI via other apps and all online spends, and 0.5% on utility, insurance and wallet loads total cashback capped at ₹500 per statement cycle
• Up to 8% bonus cashback on travel bookings

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• 1% cashback on online spends up to ₹10,000 in a statement cycle and 2% on incremental online spends above ₹10,000
• 1% cashback on UPI Scan & Pay through the IDFC FIRST Bank Mobile App
• 1% bonus cashback on flight and hotel bookings made in the app

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• Earn 1% unlimited cashback on eligible everyday spends
• 5% cashback on HDFC SmartBuy, and 1% cashback on UPI spends RuPay variant, capped at 500 CashPoints month
• Also available as an FD-backed card credit limit up to 90% of FD value no income proof

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• BOBCARD PRIME is a lifetime free, FD-backed (secured) credit card issued against a lien on a Bank of Baroda fixed deposit minimum FD ₹15,000, with guaranteed issuance against an FD of ₹30,000 or more without any income proof except for CIBIL-delinquent customers
• Earn 2 Reward Points per ₹100 on all other categories and 1 Reward Point per ₹100
• Also includes 500 welcome Reward Points on spends of ₹5,000 in 60 days

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• Earn ZCoins across top brands including Amazon, Flipkart, Myntra, Zepto, JioMart, HealthKart
• Get high ZCoins rewards on food & dining via Zomato, McDonald’s, Domino’s, Burger King, EatSure
• Save on travel with ZCoins on Uber, MakeMyTrip, Cleartrip

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• SBI Card Unnati is a secured, FD-backed credit card issued against a lien on an SBI fixed deposit of ₹25,000 or more
• free for the first 4 years ₹499 annual fee waived
• Earn 1 Reward Point per ₹100 on eligible retail spends and ₹500 cashback on annual spends of ₹50,000

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• Step Up Credit Card is a secured credit card from SBM Bank State Bank of Mauritius, India issued against a fixed deposit of ₹2,000 and above held in a single name, with a credit limit of up to 90% of the fixed deposit amount
• Earn 1 Reward Point for every ₹100 spent on POS and online transactions, with each point worth ₹0.25 and adjustable against your credit card bill
• an interest-free period of 20 to 50 days and a 3-day grace period for bill payment after the bill due date

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