Best Credit Card With No Credit History

List of Best Credit Card Against FD in India

BankCredit Card NameMinimum FD AmountFeatures
ICICI BankICICI Instant Platinum Credit Card₹10,000Zero annual fee if you have a valid FD account, Exciting visa offers on wellness, hotels, and dining, 1% fuel surcharge waiver on a transaction of a maximum of ₹4,000 at HPCL pumps.
Kotak Bank811 DreamDifferent Credit Card₹10,000No annual fees or joining fees, Waiver of fuel and railway surcharge, 500 bonus reward points on activation + ₹5,000 spend in the first 45 days of card set up
BOB BankBank of Baroda Prime Credit Card₹15,000No annual fees and joining fees, 1% cashback on all spends, earn 4 reward points for every ₹100 spent, 10 to 15% off for medical and hospitality
Axis BankInsta Easy Credit Card₹20,000Cash withdrawals up to 100% of credit limit from day one, 50 days free credit, Credit limit of 80% of FD amount.
SBISBI Unnati₹25,000No annual fees for the first 4 years, 1 reward point per ₹100 spent, 1% fuel surcharge waiver for every transaction between ₹500 and ₹3,000
SBM BankPaisabazaar StepUp Credit Card2,000No annual fees and joining fees, use 100% credit limit of your fixed deposit amount, 1 reward point for every ₹100 spent via this credit card

6. Paisabazaar StepUp Credit Card

Paisabazaar StepUp
Paisabazaar StepUp Credit Card

No joining and annual fees

Reward points

  • 1 reward point for every Rs. 100 spent via this credit card. (4 reward points = Rs. 1)

Welcome Benefit

  • 100% credit limit of your fixed deposit amount

Extra Benefits

  • 6.1% interest rate on your FD
  • 20 to 50 days of interest-free period
  • Instant Virtual Credit Card
  • Minimum Fixed Deposit Amount Rs. 2,000
  • No Joining & Renewal Fees
  • In Joining, Rs. 200 applicable on an FD of Rs. 2,000

5. SBI Unnati Credit Card

SBI Unnati Credit Card
SBI Unnati Credit Card

No joining and annual fees

Reward points

  • 1 reward point for every Rs. 100 spent

Fuel surcharge waiver

  • 1% fuel surcharge waiver for transaction between Rs. 500 to Rs. 3,000

Milestone Rewards

  • Rs. 500 cashback within 15 days of annual spend of Rs. 50,000
  • use this card over 24 million outlets across the globe, including 3,25,000 outlets in India
  • You must be age above 18 years
  • Minimum fixed deposit of Rs. 25,000 can apply
  • Available both Salaried and Self-employed
  • Applicant should be a resident of India
  • No Joining fee
  • Renewal fee- First 4 years free, 5th year onwards Rs. 499
  • Against FD Rs. 25,000

4. Axis Bank Insta Easy Credit Card

Axis Bank Insta Easy
Axis Bank Insta Easy Credit Card

No joining and annual fees

Earn Cashback

  • Withdraw as much cash as you need upto 100% of your credit limit from 1 day

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver at all fuel stations

Dining Discounts

  • 15% discount on dining at selected partner restaurants in India
  • You should be between the age of 18 to 70 years
  • Minimum Fixed Deposit of Rs. 20,000, Maximum of Rs. 25,00,000
  • Should be either Indian or NRI
  • No Joining and Annual Fees
  • Credit limit of up to 80% of the FD’s principal value

3. Bank of Baroda Prime Credit Card

Bank of Baroda Prime Credit Card
Bank of Baroda Prime Credit Card

No joining and annual fees

Reward points

  • 4 reward points on every Rs 100 spent
  • 1% cashback on all spends

Fuel surcharge waiver

  • 1% fuel surcharge waived for all fuel transactions between  Rs. 400 to Rs. 5,000

Extra Benefit

  • 3 lifetime free add-on cards
  • Report loss of card immediately to ensure zero liability on any fraudulent transactions
  • Up to 50 days of interest free credit from the date of any purchase
  • You must be age between 18 to 65 years
  • Minimun Rs. 15,000 FD
  • No Joining and Annual Fees
  • Against FD of Rs. 15,000

2. Kotak 811 DreamDifferent Credit Card

Kotak 811 DreamDifferent Credit Card
Kotak Fortune Gold Credit Card

No joining and annual fees

Reward Points

    • Earn 2 reward points against every Rs. 100 of online spends
    • Earn 1 reward point against every Rs. 100 of other spends

Welcome Benefits

    • Earn 500 bonus reward points on – Activation and Rs. 5000 spends in the first 45 days of card set up

Interest free cash withdrawal

    • You can withdraw cash up to 90% of your total credit limit

Fuel & Railway  Surcharge waiver

    • 1% across all petrol pumps for transactions between Rs. 500 and Rs. 3000 (max. Rs. 3500/year)
    • 1.8%  for transactions on irctc.co.in & 2.5% Indian railway booking counters (max Rs. 500/year)

811 DreamDifferent Shield

    • In case your Credit Card is stolen, you get a cover of Rs. 50,000/- against fraudulent usage up to 7 days pre reporting
  • You must be age between 18 to 75
  • Minimum FD Amount - Rs. 10,000
  • Only Individual TDs are allowed
  • Applicant should be a resident of India
  • NRI customer can only apply via offline process
  • No Joining and Annual Fees
  • Against FD Amount - Rs. 10,000

 

1. ICICI Instant Platinum Credit Card

ICICI Bank Instant Free Credit Card
ICICI Platinum Instant Credit Card

No joining and annual fees

Reward points

  • For every ₹ 100 spent, get 2 PAYBACK Points
  • 3 PAYBACK Points on every ₹100 spent on all purchases
  • 1 PAYBACK Point on every ₹ 100 spent on utilities and insurance categories

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver can be availed on fuel transaction of maximum ₹ 4,000 at HPCL pumps

Extra Benefits

  • Avail of 25% discount up to INR 100 on purchase of minimum two tickets up to two times in a month on BookMyShow
  • You should be between the age of 18 and 65 years
  • Minimum Fixed Deposit amount is ₹ 10,000
  • Minimum tenure of the Fixed Deposit has to be 180 days
  • Must be Indian resident
  • No Joining and Annual Fees
  • Against FD Rs. 10,000

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