{"id":957,"date":"2026-10-15T11:50:37","date_gmt":"2026-10-15T11:50:37","guid":{"rendered":"https:\/\/gokiwi.in\/blog\/?p=957"},"modified":"2026-10-15T11:50:38","modified_gmt":"2026-10-15T11:50:38","slug":"how-to-get-credit-card-against-fd","status":"publish","type":"post","link":"https:\/\/gokiwi.in\/blog\/how-to-get-credit-card-against-fd\/","title":{"rendered":"How to Get a Credit Card Against a Fixed Deposit"},"content":{"rendered":"\n<p>To get a credit card against FD, start by opening or selecting an eligible fixed deposit with the issuing bank. Then complete the application and KYC process and authorise the bank to mark a lien on the deposit. The FD acts as collateral, which makes this a <a href=\"https:\/\/gokiwi.in\/blog\/secured-credit-cards\/\">secured credit card<\/a>.<\/p>\n\n\n\n<p>For first-time credit card users and people with limited credit history, this can offer a practical starting point. It may also help when qualifying for an unsecured card is difficult. Approval still depends on the issuer\u2019s rules.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Does a Credit Card Against an FD Work?<\/h2>\n\n\n\n<p>The issuing bank places a lien, or hold, on an eligible fixed deposit. This restricts withdrawals or closure while the deposit secures the card. The FD generally continues to earn interest according to its terms.<\/p>\n\n\n\n<p>The bank sets the credit limit based on the deposit and its internal policy. The percentage varies by issuer, so check the exact limit before locking the money.<\/p>\n\n\n\n<p>The card works like a regular credit card, with purchases appearing on a monthly bill. The FD does not pay that bill automatically. Repayments remain due on time, and the issuer may use the deposit to recover unpaid dues in case of default.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Who Might Find an FD-Backed Card Useful?<\/h2>\n\n\n\n<p>This type of card may suit:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>First-time borrowers with little or no credit history.<\/li>\n\n\n\n<li>Students, freelancers, homemakers, or new employees with limited income documents.<\/li>\n\n\n\n<li>Applicants who have not qualified for an unsecured credit card.<\/li>\n\n\n\n<li>People looking for a starting limit linked to an existing deposit.<\/li>\n\n\n\n<li>Users who want to build a repayment record without taking a large loan.<\/li>\n<\/ul>\n\n\n\n<p>Before applying, consider whether keeping the deposit locked would leave enough savings available for emergencies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Steps to Apply for a Credit Card Against a Fixed Deposit<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">1. Compare eligible cards<\/h3>\n\n\n\n<p>Check which banks offer secured credit cards. Compare the minimum FD amount, deposit tenure, card fees, credit limit, rewards, network, and closure process. Confirm whether an existing FD is accepted or a new deposit is required.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Open or select an eligible FD<\/h3>\n\n\n\n<p>Not every deposit qualifies. An issuer may exclude tax-saving FDs, joint deposits, deposits held by minors, third-party deposits, or deposits that already have a lien. Choose an amount that can comfortably remain locked while the card is active.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">3. Complete the application and KYC<\/h3>\n\n\n\n<p>Apply through the bank\u2019s website, app, or branch, depending on the product. Submit the requested identity, address, PAN, and FD details. Requirements can differ for new customers and existing account holders.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">4. Review and accept the lien terms<\/h3>\n\n\n\n<p>Read the card agreement before authorising a lien on the FD. Check when the lien can be removed, what happens at deposit maturity, and how the bank handles missed payments. These details affect access to the deposit later.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">5. Wait for the issuer\u2019s decision<\/h3>\n\n\n\n<p>The bank reviews the application and KYC. An FD can make qualification easier, but it does not guarantee approval or a particular credit limit. After approval, activate the card and set up repayment reminders or AutoPay.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Documents and Eligibility to Check Before Applying<\/h2>\n\n\n\n<p>Requirements vary by issuer. PAN, valid KYC documents, contact information, and FD details may be needed. For existing customers, the bank may already hold some records, though updated documents can still be requested.<\/p>\n\n\n\n<p>Check the current product page and Most Important Terms and Conditions for age, residency, eligible deposit types, minimum amounts, tenure, and fees. This helps avoid relying on outdated application requirements.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Benefits and Trade-Offs to Consider<\/h2>\n\n\n\n<p>An FD-backed card may involve fewer income-history barriers than an unsecured card. It can also help establish a credit record if the issuer reports the account and repayments are made on time.<\/p>\n\n\n\n<p>The main trade-off is access to savings. Money stays blocked while the lien is active, so compare this restriction with the card\u2019s fees, rewards, and everyday usefulness. A higher deposit is only useful if the resulting limit fits a manageable repayment budget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Use the Card Responsibly<\/h2>\n\n\n\n<p>Treat the FD as security and keep spending within a comfortable repayment budget. Review every statement, pay the full amount by the due date, and avoid repeated card applications in a short period.<\/p>\n\n\n\n<p>For practical credit-building habits, read Kiwi\u2019s guide on <a href=\"https:\/\/gokiwi.in\/blog\/how-to-build-a-credit-score-without-big-loans\/\">how to build a credit score without big loans<\/a>. Consistent, on-time payments matter more than making large purchases.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Using an FD-Backed RuPay Credit Card on UPI<\/h2>\n\n\n\n<p>An eligible RuPay credit card issued against an FD may support UPI linking for merchant payments. Availability depends on the issuer and the card. Learn <a href=\"https:\/\/gokiwi.in\/blog\/make-upi-payment-using-rupay-credit-card\/\">how RuPay credit card payments work on UPI<\/a> before setting it up.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Bring Everyday Merchant Payments to Kiwi<\/h3>\n\n\n\n<p>Ready to put an eligible RuPay credit card to everyday use? Explore <a href=\"https:\/\/gokiwi.in\/upi-credit-card\/\">Kiwi\u2019s UPI on credit experience<\/a> for supported merchant QR payments, from groceries to a caf\u00e9 bill. Track transactions in the app and receive any rewards that apply. Card approval, UPI acceptance, and rewards depend on issuer, network, merchant, and Kiwi terms.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\"><strong>FAQs<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>1. Is a Credit Score Required for an FD-Backed Credit Card?<\/strong><\/h6>\n\n\n\n<p class=\"has-small-font-size\">Some issuers accept applicants with limited or no credit history because the FD reduces their risk. Approval still depends on the bank\u2019s eligibility and KYC rules.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>2. Does the FD Continue Earning Interest?<\/strong><\/h6>\n\n\n\n<p class=\"has-small-font-size\">The FD generally continues earning interest according to its terms while under lien. Confirm the rate, maturity instructions, and renewal rules with the issuer.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>3. How Much Credit Limit is Available Against an FD?<\/strong><\/h6>\n\n\n\n<p class=\"has-small-font-size\">The limit is usually linked to the deposit amount, but the exact percentage varies by issuer and product. Check the approved limit before activating or using the card.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>4. Can the FD be Withdrawn While the Card is Active?<\/strong><\/h6>\n\n\n\n<p class=\"has-small-font-size\">A lien-marked FD normally cannot be withdrawn or closed freely. Clearing all dues, closing the secured card, and waiting for lien removal may be necessary first.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>5. What Happens if the Credit Card Bill Remains Unpaid?<\/strong><\/h6>\n\n\n\n<p class=\"has-small-font-size\">Missed payments may lead to interest charges, late fees, and a negative effect on the credit record. Under the agreement, the issuer may also use or liquidate the FD to recover unpaid dues.<\/p>\n\n\n\n<h6 class=\"wp-block-heading\"><strong>6. Can an FD-Backed Credit Card be Linked to UPI?<\/strong><\/h6>\n\n\n\n<p class=\"has-small-font-size\">Linking may be possible if the card is an eligible RuPay credit card and the issuer supports it. Credit-card UPI payments are generally meant for eligible merchant transactions and may not work for every QR or payment category.<\/p>\n\n\n\n<p class=\"has-small-font-size\"><strong>Disclaimer:<\/strong> This article is for general informational and educational purposes only and should not be considered financial or credit advice. Eligibility criteria, minimum fixed deposit amounts, credit limits, interest rates, fees, lien conditions, KYC requirements and approval policies may vary across banks and card issuers. A fixed deposit does not guarantee credit card approval. Readers should verify the latest terms and conditions with the relevant bank before applying. Kiwi does not guarantee approval, credit limits or availability of FD-backed credit cards. All Kiwi services and benefits are subject to applicable terms and partner bank policies.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>To get a credit card against FD, start by opening or selecting an eligible fixed deposit with the issuing bank. Then complete the application and KYC process and authorise the bank to mark a lien on the deposit. The FD acts as collateral, which makes this a secured credit card. For first-time credit card users [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":958,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[93,103,12,102,104,101],"class_list":["post-957","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card-guides-and-tips","tag-credit-card-eligibility","tag-credit-card-on-upi","tag-credit-card-tips","tag-fixed-deposit-credit-card","tag-rupay-credit-card","tag-secured-credit-card"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Get a Credit Card Against FD: A Simple Guide<\/title>\n<meta name=\"description\" content=\"Learn how to get a credit card against FD, from opening the deposit and marking a lien to applying and using the card wisely. 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