{"id":12671,"date":"2022-06-22T14:39:48","date_gmt":"2022-06-22T09:09:48","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=12671"},"modified":"2023-08-21T23:28:36","modified_gmt":"2023-08-21T17:58:36","slug":"credit-card-against-fixed-deposit-fd","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/","title":{"rendered":"Credit Card Against FD (Fixed Deposit)"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69f47d7432950\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69f47d7432950\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#What_is_the_credit_card_against_fixed_deposits\" title=\"What is the credit card against fixed deposits?\">What is the credit card against fixed deposits?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#Features_of_credit_cards_against_fixed_deposits\" title=\"Features of credit cards against fixed deposits?\">Features of credit cards against fixed deposits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#Feature_of_the_credit_card_on_FD\" title=\"Feature of the credit card on FD\">Feature of the credit card on FD<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#List_of_banks_offering_credit_cards_against_fixed_deposits\" title=\"List of banks offering credit cards against fixed deposits\">List of banks offering credit cards against fixed deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#_How_to_invest_in_Fixed_Deposit_via_Kuvera\" title=\"\u00a0How to invest in Fixed Deposit via Kuvera\">\u00a0How to invest in Fixed Deposit via Kuvera<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#_Eligibility_to_apply_for_credit_cards_against_fixed_deposits\" title=\"\u00a0Eligibility to apply for credit cards against fixed deposits\">\u00a0Eligibility to apply for credit cards against fixed deposits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#How_to_apply_for_a_credit_card_against_fixed_deposits\" title=\"How to apply for a credit card against fixed deposits?\">How to apply for a credit card against fixed deposits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#Documents_required_to_apply_for_a_secured_credit_card\" title=\"Documents required to apply for a secured credit card\">Documents required to apply for a secured credit card<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#Benefits_of_having_a_credit_card_against_fixed_deposits\" title=\"Benefits of having a credit card against fixed deposits\">Benefits of having a credit card against fixed deposits<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#FAQs\" title=\"FAQs\">FAQs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#Am_I_allowed_to_use_my_credit_card_against_a_fixed_deposit_for_withdrawing_cash_at_an_ATM\" title=\"Am I allowed to use my credit card against a fixed deposit for withdrawing cash at an ATM?\">Am I allowed to use my credit card against a fixed deposit for withdrawing cash at an ATM?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#Are_foreigners_allowed_to_get_a_credit_card_against_their_fixed_deposits\" title=\"Are foreigners allowed to get a credit card against their fixed deposits?\">Are foreigners allowed to get a credit card against their fixed deposits?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#Credit_cards_against_fixed_deposits_are_suitable_for_which_category_of_people\" title=\"Credit cards against fixed deposits are suitable for which category of people?\">Credit cards against fixed deposits are suitable for which category of people?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#What_is_the_minimum_amount_of_fixed_deposit_for_a_credit_card\" title=\"What is the minimum amount of fixed deposit for a credit card?\">What is the minimum amount of fixed deposit for a credit card?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/#What_are_the_disadvantages_of_secured_credit_cards\" title=\"What are the disadvantages of secured credit cards?\">What are the disadvantages of secured credit cards?<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"What_is_the_credit_card_against_fixed_deposits\"><\/span>What is the credit card against fixed deposits?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Credit cards are plastic cards issued by banks or financial institutions that enable people to make cashless transactions. To qualify for a credit card, a person must have a good credit score, regular income, and satisfactory documentation.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p>To overcome these demands, a credit card against fixed deposits has been launched by banks and financial institutions. Credit cards are issued against your deposited FD amount, and a card limit depends on the FD amount. The credit card against fixed deposit rates will consider only 80% to 90% of the FD amount for a credit limit. It is beneficial for those people who have irregular sources of income. At the time of delay in paying the due amount, the amount will be directly deducted from the linked FD account after proper intimation from several communication channels.<\/p>\n<p>&nbsp;<\/p>\n<p>The charges over late payments will be lesser from the unsecured credit cards. The interest rate on fixed deposit credit cards is also lower than on unsecured credit cards.<\/p>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/kuvera.in\/fixed-deposit\/all\"><img loading=\"lazy\" class=\"alignnone wp-image-25324\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-1-300x75.jpg\" alt=\"\" width=\"400\" height=\"100\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-1-300x75.jpg 300w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-1-150x38.jpg 150w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2023\/07\/FD-Banner-9.10-01-1.jpg 600w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><\/a><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Applying for <\/span>credit cards on FD is simple. All you need to do is open a Fixed deposit account at your bank. People do not need to submit income or identity proof to get a secured credit card. Your FD account will be considered as a security against your credit card. The amount of the FD deposit will decide the limit of a credit card.<\/p>\n<p>&nbsp;<\/p>\n<p>Until the fixed deposit&#8217;s maturity, no bank can take credit cards from the cardholder. If the limit amount is not paid, the bank will deduct the amount from the cardholder&#8217;s fixed deposit. The bank also intimates the cardholder and reminds them for due payment. After that, it takes action.<\/p>\n<p>&nbsp;<\/p>\n<p>People can use a credit card to make any payment online or offline. Credit cards are secured with four or six-digit pin codes. For security purposes, don&#8217;t share this code with others. Use the credit card within the prescribed limits. Pay your limit amount on a timely basis every month for consistency. Credit card interest rates may vary from bank to bank.<\/p>\n<p>&nbsp;<\/p>\n<p>There are several types of credit cards issued by banks or financial institutions. Some are explained in detail below:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Secured credit cards:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Secured credit cards<span style=\"font-weight: 400;\"> are issued after the cardholder deposits the specified amount for security purposes. The bank reserves these cards for nonpayment of the credit card limit in case of a cash deposit.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Rewards credit cards:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Reward <\/span>credit cards<span style=\"font-weight: 400;\"> are those where people receive cash back and points received over the payment of airline tickets, food expenses, grocery expenses, and much more. People also earn reward points for paying the due amount on time. It will be called a reward credit card.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Cashback credit cards:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In cashback <\/span>credit cards<span style=\"font-weight: 400;\"> you will earn cashback which means some percentage of payment will return from the amount spent. Cashback will only be received if there is non-compliance with any due payment and doesn\u2019t exceed the credit card limit.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Low-interest credit cards:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Low-interest <\/span>credit cards<span style=\"font-weight: 400;\"> are those in which interest charged each month is low, and tenure is long, making the credit card more affordable. The interest amount is lower than average annual percentage rates (APR).\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Travel credit cards:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Those cards that offer exciting deals related to travel are called travel <\/span>credit cards. Special travel packages are given to cardholders over their maximum payment with credit cards. There are two varieties of travel credit cards co-branded and non-branded credit cards<span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Student credit cards:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">These <\/span>credit cards are offered to students with a minimum age of 18. Student credit cards<span style=\"font-weight: 400;\"> will help them pursue their higher education without financial difficulty. It is provided to college-level students.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Business credit cards:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Business <\/span>credit cards<span style=\"font-weight: 400;\"> are used for business purposes rather than personal use. It will help improve the business cash flow and helps in maintaining your business and personal finances separately.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Features_of_credit_cards_against_fixed_deposits\"><\/span>Features of credit cards against fixed deposits?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The primary features of <\/span>credit cards against fixed deposits are discussed in detail.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Affordable FD amount<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Fixed deposit amount usually ranges from 10000 to infinity, which is affordable for many. So, people with a small FD account can also get a credit card on FD. The FD rates of all banks are different from each other.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Build a strong credit score<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">A credit card over FD will help in building a solid credit score. Because of less\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Offer an interest-free period<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">There are several <\/span>types of credit cards, but only secured credit cards do banks or financial institutions offer an interest-free period that ranges from 48 to 55 days. The credit limit against fixed deposits will depend on the fixed deposit amount. The highest the FD rate will be the highest is the credit card limit. Most banks and financial institutions offer 70 to 80% of the deposited amount for credit card limits.<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Feature_of_the_credit_card_on_FD\"><\/span>Feature of the credit card on FD<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Simultaneously earn interest<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">After issuing credit cards over <\/span>fixed deposits, banks do not stop adding interest over fixed deposits. People will receive interest simultaneously with credit card services. A fixed deposit interest rate<span style=\"font-weight: 400;\"> will differ from bank to bank.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Less documentation<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">As we know, all essential documents are submitted at the time of <\/span>fixed deposit. So, significantly less documentation is required before applying for a credit card against fixed deposits.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Earn rewards<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The cardholder also earns several rewards over <\/span>credit cards against fixed deposits. The reward can be cash back, movie ticket vouchers, airline tickets, and many more.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Digital application process<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Without visiting a bank, people can apply for a credit card against FD online while sitting anywhere or anytime. Online credit cards are now readily available.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Zero renewal fee<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">People can renew their credit cards after maturity without paying any renewal fees.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"List_of_banks_offering_credit_cards_against_fixed_deposits\"><\/span>List of banks offering credit cards against fixed deposits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The <\/span>best credit cards against FD in India offered by several banks are explained in detail below that provide the best FD rates in banks:<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Axis bank<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Axis bank offers a credit card against <\/span>fixed deposit<span style=\"font-weight: 400;\">s named Insta easy credit card. The minimum limit for <a href=\"https:\/\/kuvera.in\/blog\/axis-bank-fixed-deposit-interest-rates-2022\/\">Axis bank Fixed Deposit<\/a> amount is Rs. 20,000. The credit limit is equal to 80% of the FD amount with 100% cash withdrawal service. The maximum free credit limit days will be 50.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>SBI bank<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">SBI bank offers a secured credit card with an FD amount named SBI Unnati. The minimum FD amount will be Rs. 25000. This bank will provide services like no annual fees for the first four years and earn one reward point on a minimum spend of Rs.100. It also offers a waiver of a 1% surcharge for each transaction between Rs. 500 to 3000.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>ICICI bank<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">ICICI bank offers a credit card against FD named ICICI bank instant platinum credit card. The minimum FD limit over such an account is Rs.10000. It provides zero annual fees if the cardholder has a valid FD account. It also offers services such as existing visa offers on wellness, dining, hotels, and many more. This bank provides the <\/span>best FD interest rates.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Kotak bank<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Kotak bank credit card against FD is 811 #DreamDifferent Credit Card Online. People will get it with the minimum FD amount of Rs. 15000. There are no annual or joining fees for getting this credit card. The cardholder will earn 500 bonus reward points on activating the credit card.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Yes bank<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Yes bank offers the credit card against the FD amount named YES prosperity rewards plus credit card. For getting this credit card, a minimum FD amount should be rs. 30000. People will get accelerated rewards on supermarket and grocery spending.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\"><strong>Bajaj Finance<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Those who want to get a <\/span>Bajaj credit card can apply online or offline. The maximum limit over the <a href=\"https:\/\/kuvera.in\/blog\/bajaj-finance-fixed-deposit-rates\/\">Bajaj finance FD<\/a> is up to Rs. 4 lakh. The card cannot be used to withdraw money from ATMs but to pay for online and offline shopping services. The maximum bank fixed deposit rates are different for different banks.<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"_How_to_invest_in_Fixed_Deposit_via_Kuvera\"><\/span>\u00a0How to invest in Fixed Deposit via Kuvera<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">One of the advantages of investing in FDs is that you can apply for credit cards against them.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>\u00a0<\/b><span style=\"font-weight: 400;\">If you are yet to open an FD account, you can begin on Kuvera. Even with your primary bank account linked to your Kuvera account, you can invest in <\/span><a href=\"https:\/\/kuvera.in\/explore\/fixed-deposit\/c\/all\"><span style=\"font-weight: 400;\">FD<\/span><\/a><span style=\"font-weight: 400;\">s of banks and NBFCs. Here are the simple steps to book an FD on Kuvera:\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Step 1: <\/b><span style=\"font-weight: 400;\">Download the <\/span><a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.gooogle.android.kuvera.app&amp;gl=US\"><span style=\"font-weight: 400;\">Kuvera app <\/span><\/a><span style=\"font-weight: 400;\">or visit our <\/span><a href=\"https:\/\/kuvera.in\/\"><span style=\"font-weight: 400;\">website<\/span><\/a><span style=\"font-weight: 400;\"> and sign up.<\/span><\/p>\n<p><b>Step 2:<\/b><span style=\"font-weight: 400;\"> Complete your KYC with PAN, Aadhaar, and In-person verification through video.<\/span><\/p>\n<p><b>Step 3:<\/b><span style=\"font-weight: 400;\"> Select the \u2018<\/span>Invest&#8217;<span style=\"font-weight: 400;\"> option from \u2018<\/span>Home\u2019<\/p>\n<p><b>Step 4:<\/b><span style=\"font-weight: 400;\"> Select \u2018<\/span>Fixed Deposits<span style=\"font-weight: 400;\">\u2019<\/span><\/p>\n<p><b>Step 5: <\/b><span style=\"font-weight: 400;\">You will see a list of multiple fixed Deposit options on Kuvera, sorted by tenure, bank, NBFC etc. Click on any FD to check its tenure, interest rate, and minimum deposit required. To be sure, check the lock-in period of the fixed deposit.<\/span><\/p>\n<p><b>Step 6<\/b><span style=\"font-weight: 400;\">: Select the fixed deposit you want to invest in, and tap on \u2018Start FD\u2019<\/span><\/p>\n<p><b>Step 7: <\/b><span style=\"font-weight: 400;\">You will be asked to provide your primary bank account details &#8211; IFSC code, account number and account type.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"_Eligibility_to_apply_for_credit_cards_against_fixed_deposits\"><\/span>\u00a0Eligibility to apply for credit cards against fixed deposits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The eligibility requirements may differ from bank to bank and person to person. Credit cards against <\/span>fixed deposits may only apply to individual residents who have a fixed deposit<span style=\"font-weight: 400;\"> in a particular bank. Some of the common requirements of all banks are listed below:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">T<\/span><span style=\"font-weight: 400;\">he applicant must have a <\/span>Fixed deposit<span style=\"font-weight: 400;\"> account in a particular bank with a minimum value of Rs.10000.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The fixed deposit<span style=\"font-weight: 400;\"> account has a minimum tenure of 6 months and minimum age of 18 years.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A credit card against <\/span>fixed deposit<span style=\"font-weight: 400;\">s will only be available to residents of India rather than non-foreign residents.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Some people are not eligible for <\/span>credit cards,<span style=\"font-weight: 400;\"> such as HUF, minors, third parties, partnership firms, foreign nationals, trusts, societies, etc.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"How_to_apply_for_a_credit_card_against_fixed_deposits\"><\/span>How to apply for a credit card against fixed deposits?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">T<\/span><span style=\"font-weight: 400;\">here are two methods of applying for a credit card against <\/span>a fixed deposit: one is offline by a manual visit to a bank, and the other is online on the official website of the respective bank where you have an FD account.<\/p>\n<p>&nbsp;<\/p>\n<p>For a secured credit card, you must have an FD account in a bank. Without an FD account, no bank will issue a secured credit card. Some banks provide a complimentary secured card over your FD account.<\/p>\n<p>&nbsp;<\/p>\n<p>After opening the FD account with the bank, an FD holder needs to apply and visit the bank to apply for a credit card. Another method is to apply online by visiting the bank&#8217;s official website while sitting anywhere anytime.<\/p>\n<p>&nbsp;<\/p>\n<p>For a secured credit card, you need to have an active FD account with the prospective bank. No credit card is issued against fixed deposit<span style=\"font-weight: 400;\">s on which loan and overdraft have been taken. <\/span><\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Documents_required_to_apply_for_a_secured_credit_card\"><\/span>Documents required to apply for a secured credit card<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Initially, no documents needed to be submitted to get a secured credit card. Secured <\/span>credit cards are issued against the security of a fixed deposit amount. And a fixed deposit<span style=\"font-weight: 400;\"> account cannot be opened without identity and residence proof.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">So, the proofs submitted when opening <\/span>a fixed deposit account will be considered for getting secured credit cards. People don&#8217;t need to submit proofs again and again. Once, the bank must check the validity of the submitted proof for verification purposes.<\/p>\n<p>&nbsp;<\/p>\n<h3 style=\"color: black; font-size: 20px;\"><span class=\"ez-toc-section\" id=\"Benefits_of_having_a_credit_card_against_fixed_deposits\"><\/span>Benefits of having a credit card against fixed deposits<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">There are some benefits of having a credit card against <\/span>fixed deposit<span style=\"font-weight: 400;\">s that are listed below in detail:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Instant service:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Secured <\/span>credit cards are provided without any cumbersome process. Only you need to have an FD account in a prospective bank. After monitoring, the bank will instantly provide the secured credit card to the fixed deposit holder.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>No CIBIL score is required:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Secured credit cards<span style=\"font-weight: 400;\"> are issued without a monitoring history by banks. It will be helpful for those people who have had poor credit scores in the past. It is the most beneficial advantage of secured <\/span>credit cards<span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>No documentation:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The proof attached to the <\/span>fixed deposit account will be considered for issuing a credit card against it. So, there is no need to submit any identity or residence proof again to get secured credit cards<span style=\"font-weight: 400;\">.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Earn interest over FD:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">After getting a credit card service, a <\/span>fixed deposit<span style=\"font-weight: 400;\"> account holder will still earn interest on it simultaneously. Specified interest will be regularly added to the FD account monthly and quarterly until its maturity.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Credit card limit depends on FD amount:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The higher the FD amount will be, the higher will be the credit card limit. The maximum limit is 70 to 80% of the <\/span>fixed deposit account. Compared to unsecured credit cards<span style=\"font-weight: 400;\">, the secured credit card will get a maximum limit.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Earn rewards:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">People will earn rewards regularly on secured credit cards through cashback, airline ticket vouchers, discounts, and many more. It will attract more and more people to get <\/span>credit cards over their fixed deposit<span style=\"font-weight: 400;\"> accounts.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><strong>Grace period:<\/strong><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Over the secured <\/span>credit cards, a grace period is provided to pay the outstanding amount. The period will last up to 45 days. People will also enjoy its benefits after the amount is due.<\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Import your stock portfolio to<\/span><a href=\"https:\/\/app.kuvera.in\/\"> <span style=\"font-weight: 400;\">Kuvera<\/span><\/a><span style=\"font-weight: 400;\"> and check any stock\u2019s Current Price, Day&#8217;s High, Day\u2019s Low, a 52-week high, a 52-week low, 1-year change, 5-year change, Price to earnings per share (PR Ratio), Market capitalization to book value (PB ratio), EPS for the last 12 months of the company (TTM EPS), Dividend yield, Market Capitalisation, Trading Volume and Average Traded Volume. You can also place Buy and Sell orders of any stocks on the<\/span><a href=\"https:\/\/app.kuvera.in\/\"> <span style=\"font-weight: 400;\">Kuvera app<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Secured <\/span>credit cards<span style=\"font-weight: 400;\"> are common nowadays and will help people rebuild their credit scores. It is beneficial to manage the day-to-day expenses and will repay them in the future. Through this, people can become responsible for their necessities. Good management of a secure credit card will depend on the cardholder. It will result in increasing your credit score.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"FAQs\"><\/span>FAQs<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Am_I_allowed_to_use_my_credit_card_against_a_fixed_deposit_for_withdrawing_cash_at_an_ATM\"><\/span>Am I allowed to use my credit card against a fixed deposit for withdrawing cash at an ATM?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The banks will allow the secured cardholder to withdraw money at an ATM. For secured <\/span>credit cards<span style=\"font-weight: 400;\">, the withdrawal limit will be 85%.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Are_foreigners_allowed_to_get_a_credit_card_against_their_fixed_deposits\"><\/span>Are foreigners allowed to get a credit card against their fixed deposits?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The answer to this question is no because our Indian banks don&#8217;t allow foreigners to get secured credit cards over their <\/span>fixed deposits.<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"Credit_cards_against_fixed_deposits_are_suitable_for_which_category_of_people\"><\/span>Credit cards against fixed deposits are suitable for which category of people?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">There are many benefits of a secured credit card to lots of people are listed below in points:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People who have a low credit history.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People who are suffering to meet day-to-day expenses.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Salaried employees.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People with a bad reputation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Live in an area that the lender blacklists.<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"What_is_the_minimum_amount_of_fixed_deposit_for_a_credit_card\"><\/span>What is the minimum amount of fixed deposit for a credit card?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The minimum amount of <\/span>fixed deposit<span style=\"font-weight: 400;\"> may differ from bank to bank. Some consider 10000 as a minimum fixed deposit amount to issue a secure credit card over it, while others consider 25000 as an initial limit for FD.<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li aria-level=\"1\">\n<h4 style=\"color: black; font-size: 18px;\"><span class=\"ez-toc-section\" id=\"What_are_the_disadvantages_of_secured_credit_cards\"><\/span>What are the disadvantages of secured credit cards?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">The disadvantages of secured credit card are:<\/span><\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">FD accounts will be locked against a secured credit card.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The only balance amount will be refunded if people fail to pay the due amount on time.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The fixed deposit interest rate will decline after issuing a secured credit card.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The FD holder cannot break the FD till he holds the card.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\">The credibility of the fixed deposit holder is also affected.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p style=\"color: black; font-size: 18px;\"><strong>Interested in how we think about the markets?<\/strong><\/p>\n<p>Read more: <a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Check out all our \u201cInvestor Education Originals\u201d videos on Youtube and get smart about investing<\/p>\n<div class=\"embed-container\"><iframe src=\"https:\/\/www.youtube.com\/embed\/5U7cGdkOZ0g\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\">\ufeff<\/span><\/iframe><\/div>\n<p>&nbsp;<\/p>\n<div>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"http:\/\/app.kuvera.in\/\"><strong>Kuvera.in<\/strong><\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a>\u00a0and\u00a0<strong><a href=\"https:\/\/app.kuvera.in\/explore\/fixed-deposit\/c\/all\">Fixed Deposits<\/a><\/strong>\u00a0and\u00a0<a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/div>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is the credit card against fixed deposits? &nbsp; Credit cards are plastic cards issued by banks or financial institutions that enable people to make cashless transactions. To qualify for a credit card, a person must have a good credit score, regular income, and satisfactory documentation.\u00a0 &nbsp; To overcome these demands, a credit card against [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/credit-card-against-fixed-deposit-fd\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":11,"featured_media":12674,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[543,99],"tags":[1018,176,548],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit Card Against Fixed Deposit (FD) - Kuvera<\/title>\n<meta name=\"description\" content=\"Credit cards are issued against your deposited FD amount, and a card limit depends on the FD amount. 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