Best FD Credit Cards: Hey dost, agar tum student ho aur pehli baar credit card lena chahte ho, to FD backed credit cards ek smart choice hain. Ye cards fixed deposit ke against milte hain, jisse no income proof ki zarurat nahi padti. Plus, FD pe interest banta rehta hai, aur timely payments se credit score improve hota hai. 2025 mein India mein available options mein se, maine top 5 select kiye hain jo students ke liye perfect hain – low minimum FD, zero fees aur daily spends pe rewards. Chalo detail mein dekhte hain.
1. SBM ZET Credilio Credit Card
Ye card SBM Bank ka hai aur students ke liye super easy hai. Minimum FD sirf 5,000 rupees se shuru hota hai, jo 390 days ke liye book karna padta hai. No joining ya annual fees, aur 100% digital application ZET app se. Rewards mein premium brands pe offers milte hain jaise food, shopping aur entertainment pe discounts. Eligibility simple hai – 18+ age, no credit history required. Best for beginners jo UPI payments karte hain daily. Isse credit limit FD ka 90% tak mil sakta hai, aur FD pe up to 7% interest continue.
2. IDFC FIRST WOW Credit Card
IDFC Bank ka ye card lifetime free hai aur students ke favorite mein se ek. Min FD 10,000 rupees, jisse credit limit set hota hai. Features mein 4X reward points har purchase pe, no foreign transaction markup (international spends ke liye great), aur cash withdrawal pe 45 days interest-free. No income proof chahiye, bas 18 saal se upar ho. Rewards redeem kar sakte ho vouchers ya cashback mein. Students jo online shopping ya travel karte hain, unke liye ideal kyunki unlimited benefits hain aur credit building fast hota hai.
3. Axis Bank Privilege Easy Credit Card Against FD
Axis ka ye secured card min FD 15,000 se milta hai, aur credit limit 80-90% tak FD ka. Joining aur annual fee zero (limited offer), no income documents. Rewards awesome hain – har transaction pe EDGE points, 25% cashback movies pe, 1% fuel surcharge waiver, aur first fuel spend pe extra points. Eligibility: 18+ Indian resident, PAN card. Students ke liye yeh best hai kyunki credit score build karne mein help karta hai, aur app se apply kar sakte ho. Plus, milestone benefits jaise 12,500 points vouchers ke liye.
4. HDFC Bank Credit Card Against FD
HDFC ka option flexible hai, min FD 15,000 rupees (1 year tenure). Ye card no credit history wale students ke liye bana hai – instant approval, no employment proof. Features mein reward points ya cashback eligible spends pe, SmartEMI for big purchases, aur FD pe interest jaari. Manage karna easy hai app se. Fees nahi hain joining ki, aur grace period milta hai payments pe. Students jo emergency funds chahiye without breaking FD, unke liye yeh solid hai. Credit score improve karne ka best way.
5. SBI Unnati Credit Card
SBI ka classic choice, min FD 25,000 se. Pehle 4 saal annual fee free, phir nominal. Rewards: Har 100 rupees spend pe 1 point, fuel surcharge waiver (50-4,000 rupees tak), aur EMI options. No income proof, 18+ age. Students ke liye yeh reliable hai kyunki SBI network bada hai, aur credit history build karne mein trusted. Balance transfer bhi possible. Thoda higher FD but long-term benefits ache hain.
Read more: – Credit Card Se Cash Nikalne Ka Poora Funda: Limit, Charges Aur Savdhaniyan
In cards ko choose karte waqt apna budget dekho, jaise kitna FD afford kar sakte ho. Apply karne se pehle bank site check karo latest offers ke liye. Ye cards se responsible use karo, payments time pe karo taaki credit score strong bane. Koi doubt ho to comment mein poocho!
