Best Credit Card With No Credit History
List of Best Credit Card Against FD in India
- ICICI Instant Platinum Credit Card
- Kotak 811 DreamDifferent Credit Card
- Bank of Baroda Prime Credit card
- Axis Bank Insta Easy Credit Card
- SBI Unnati Credit Card
- Paisabazaar StepUp Credit Card
| Bank | Credit Card Name | Minimum FD Amount | Features |
|---|---|---|---|
| ICICI Bank | ICICI Instant Platinum Credit Card | ₹10,000 | Zero 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 Bank | 811 DreamDifferent Credit Card | ₹10,000 | No 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 Bank | Bank of Baroda Prime Credit Card | ₹15,000 | No 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 Bank | Insta Easy Credit Card | ₹20,000 | Cash withdrawals up to 100% of credit limit from day one, 50 days free credit, Credit limit of 80% of FD amount. |
| SBI | SBI Unnati | ₹25,000 | No 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 Bank | Paisabazaar StepUp Credit Card | 2,000 | No 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 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
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 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
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 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
- 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
- You can withdraw cash up to 90% of your total credit limit
Fuel & Railway Surcharge waiver
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- 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 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