Best FD-Backed Credit Cards in India
Updated March 2026 · 28 cards evaluated
No income proof? Low CIBIL? A secured credit card backed by your FD is the smartest way to build credit history in India.
Quick Answer
The best card in this category is Fibe Axis Bank Credit Card (Score: 7.8/10) — lifetime free, up to 3% rewards. Runner-up: AU Nexus Credit Card (7.1/10).
Axis · Lifetime Free · Up to 3% rewards
No fee · Min income: No minimum
AU Small Finance Bank · Lifetime Free · Up to 2% rewards
No fee · Min income: No minimum
Slice · Lifetime Free · Up to 2% rewards
No fee · Min income: No minimum
IDFC FIRST · Lifetime Free · Up to 0.5% rewards
No fee · Min income: No minimum
Canara Bank · Lifetime Free · Up to 1% rewards
No fee · Min income: ₹2,50,000/yr
IDFC FIRST · Lifetime Free · Up to 1.67% rewards
No fee · Min income: ₹2,50,000/yr
Kotak · Lifetime Free · Up to 1% rewards
No fee · Min income: No minimum
ICICI · Lifetime Free · Up to 1% rewards
No fee · Min income: ₹2,00,000/yr
ICICI · Lifetime Free · Up to 1% rewards
No fee · Min income: ₹2,50,000/yr
SBI · Lifetime Free · Up to 0.5% rewards
No fee · Min income: No minimum
How We Ranked These Cards
We evaluated 28 cards matching this category criteria, scored them using the CardTrail Score methodology (net value, feature depth, bank trust, accessibility), and ranked by relevance. All data is from official bank sources, verified March 2026.