Best FD Credit Cards in India 2025 :2025 में बिना income proof और credit score check के best FD backed credit cards पाएं। IDFC WOW, AU LIT और YO credit cards की full details हिंदी में पढ़ें।
Fixed Deposit वाले Credit Cards क्या होते हैं?
Fixed Deposit (FD) backed credit cards यानी secured credit cards ऐसे credit cards होते हैं जो आपकी FD के against issue किए जाते हैं। इसमें आपको:
- Instant Approval मिलता है
- No Income Proof की जरूरत नहीं होती
- No Credit Score Check होता है
- Best FD Credit Cards in India 2025
अगर आपका credit score low है या अभी तक कोई credit history नहीं है, तो ये cards आपके लिए perfect हैं।
Top 3 Best FD Credit Cards in India 2025
1. IDFC First WOW Credit Card
| Feature | Details |
|---|---|
| Network | RuPay (UPI linked) |
| Joining Fee | ₹1 + GST |
| FD Limit | Minimum ₹20,000 (subject to change) |
| Credit Limit | Up to 100% of FD |
| Rewards | 1x = 1 point per ₹1 spent (₹0.25 value) |
| UPI Rewards | 3x on UPI > ₹2,000, 1x on UPI < ₹2,000 |
| Cashback | 4x ₹50 cashback on first 4 UPI transactions (₹200 total) |
| Extra Benefits | Roadside assistance, No forex markup |
| Required Docs | PAN + Aadhaar |
| FD Interest | Up to 7.25% |
2. AU Small Finance Bank LIT Credit Card
| Feature | Details |
|---|---|
| Joining Fee | ₹1 + GST (One-time only) |
| Minimum FD | ₹10,000 |
| Rewards | 2x points per ₹1 retail spend, 1x on insurance/utilities |
| Bonus | 500 reward points on 1st txn within 30 days |
| Quarterly Reward | Spend ₹50,000 and get extra 500 points |
| Forex Markup | 0.99% |
| Lounge Access | 2 domestic airport + 2 railway lounges/quarter |
| Fuel Surcharge Waiver | 1% between ₹400–₹5000 txn |
| FD Interest | 7.5% approx Best FD Credit Cards in India 2025 |
3. YO Credit Card (by Niyo/ SBM Bank)
| Feature | Details |
|---|---|
| FD Required | ₹5,000 (100% of credit limit) |
| FD Bank Partner | SBM Bank India |
| Joining/Annual Fee | No fee |
| Forex Fee | Zero (only currency conversion charges apply) |
| Lounge Access | 1 international lounge/quarter on ₹50,000 foreign spend |
| Rewards | 10 Niyo Coins = ₹1 |
| Max Monthly Reward | Up to 5 lakh coins (₹5,000 value) |
| ATM Withdrawal Fee | ₹23 + GST or 2.5%, whichever higher |
| FD Interest | Up to 7% approx Best FD Credit Cards in India 2025 |
Best FD Credit Cards in India 2025 :-
Key Benefits of FD Credit Cards
| Benefit | Explanation |
|---|---|
| Instant Approval | बिना किसी credit score या income proof के approval मिलता है |
| Credit Score Building | Low या zero credit score वालों के लिए perfect credit history building tool |
| Secure & Risk-free | Payment default होने पर FD से amount deduct होता है |
| Earn Interest | FD पर 7% तक का ब्याज भी मिलता है Best FD Credit Cards in India 2025 |
FAQs – FD Based Credit Cards in India
Q1. FD credit card के लिए documents क्या चाहिए?
PAN card और Aadhaar card काफी होते हैं।
Q2. क्या FD कार्ड से UPI किया जा सकता है?
IDFC WOW कार्ड RuPay network का है, जिससे आप UPI कर सकते हैं।
Q3. FD का minimum amount कितना है?
₹5,000 से ₹20,000 तक (card issuer के अनुसार अलग-अलग)।
Q4. क्या FD टूट जाती है default पर?
अगर repayment timely नहीं हुआ, तो FD से adjust कर लिया जाता है।
Q5. FD credit card से credit score improve होता है?
हाँ, regular repayment से credit score improve होता है।
अगर आप इन कार्ड्स के लिए apply करना चाहते हैं तो आप नीचे दिए गए लिंक से apply कर सकते हैं।
