Best FD Based Credit Cards in India 2025: Zero Income Proof Required

Looking for a credit card but don't have regular income proof? Fixed Deposit (FD) based credit cards are your perfect solution. These cards are secured by your FD and offer excellent benefits without requiring traditional income documentation. In this comprehensive guide, we'll explore the best FD-based credit cards in India for 2025.

Why Choose FD Based Credit Cards?

FD-based credit cards offer several advantages:

• Easy Approval: 100% approval rate with FD as security
• No Income Proof: Perfect for students, homemakers, and freelancers
• Build Credit Score: Excellent way to start your credit journey
• Flexible Limits: Credit limit up to 90% of FD amount
• FD Interest: Continue earning interest on your fixed deposit

Key Features to Look for in FD Based Credit Cards

When choosing an FD-based credit card, consider these important factors:

• FD Requirements: Minimum FD amount (typically ₹10,000-25,000)
• Credit Limit: Percentage of FD amount offered as credit limit
• Annual Fees: Look for lifetime free cards or easy fee waiver options
• Reward Structure: Compare reward points or cashback percentages
• Digital Features: Mobile app, UPI integration, and card controls

Types of FD Based Credit Cards

• Basic FD Cards:
  • Lower FD requirement (₹10,000-15,000)
  • Basic rewards (1-2% cashback)
  • Zero annual fees
  • Essential security features
• Premium FD Cards:
  • Higher FD requirement (₹25,000+)
  • Better reward rates (up to 5%)
  • Additional benefits like lounge access
  • Higher credit limits
• Co-branded FD Cards:
  • Special rewards on partner platforms
  • Exclusive merchant discounts
  • Enhanced benefits at partner stores
  • Welcome bonuses

Smart Tips for FD Based Credit Cards

• FD Amount: Choose an FD amount that gives you sufficient credit limit
• Tenure Selection: Opt for longer FD tenure to maintain credit limit
• Regular Usage: Use card frequently to build credit history
• Timely Payments: Always pay bills on time to improve credit score
• Limit Utilization: Keep credit utilization below 30%

Latest Trends in FD Based Cards (2025)

• Digital FD opening process
• Instant card issuance
• UPI integration for payments
• Enhanced security features
• Better reward programs

Common Questions About FD Based Credit Cards

Q: What's the minimum FD amount required?
Most banks require a minimum FD of ₹10,000-25,000. The credit limit is typically 80-90% of the FD amount.

Q: Can I break my FD after getting the card?
No, breaking the FD will result in card closure. The FD must remain active for the entire card tenure.

Q: Do I earn interest on my FD?
Yes, you continue to earn interest on your FD while using the credit card. The FD remains active and earns regular interest rates.

Here are the Best FD Based Credit Cards in India: