Getting a credit card without a strong credit history can be hard. That’s where FD Credit Card Apps come in. These apps let you get a credit card by using a fixed deposit (FD) as security—no credit score needed. If you’re just starting with credit or want a safe way to build your score, these apps offer an easy solution.
In this guide, we’ll explore how these apps work, their benefits, limits, and what to look for when choosing one.
What Are FD Credit Card Apps?
FD Credit Card Apps are digital platforms that allow you to apply for a credit card backed by a fixed deposit. Instead of checking your credit score, the credit limit is based on your fd deposit. These apps often connect directly to your fd bank account or provide an in-app option to open one.
Many apps today also offer a complete experience—from opening an FD through an online fd app to linking that deposit with your new credit card.
How FD Credit Card Apps Work
FD Deposit and Credit Limit
When you open an FD, the bank holds that money as security. The FD credit card app issues a card with a limit that’s usually 75%–90% of your fd deposit.
Using FD Account Apps and Online Platforms
Thanks to FD account apps and online fd apps, the entire process—from creating an FD to applying for the credit card—can be done online. These apps guide you step-by-step to:
- Open a bank FD
- Complete KYC
- Apply for a credit card
- Track rewards and statements
Some also support flexible FD features, allowing partial withdrawals or automatic renewals.
Top Features of FD Credit Card Apps
Here are the features that make FD Credit Card Apps popular:
- Quick approval – Apply and get approved in minutes through the FD app
- Low entry barrier – No credit score or income proof needed
- Earn while you spend – Your FD deposit continues earning interest
- Cashback and rewards – Some cards offer rewards just like regular credit cards
- User-friendly apps – Designed for smooth experience with options like easy steps and reminders
Benefits of Using FD Credit Card Apps
Easy to Apply
You can apply directly through an online FD app without visiting a branch. The process is smooth and beginner-friendly.
Builds Credit Score
Since the card works like a regular credit card, timely payments help improve your credit score.
Dual Benefits
While using the credit card, your bank FD still earns interest, giving you the best of both worlds.
FD Credit Card Limits & Eligibility
- Minimum FD Amount: Usually ₹10,000 or more
- Tenure: Generally 6–12 months minimum
- Age: You must be 18+ years old
- Eligibility: Anyone can apply—students, freelancers, homemakers
Your credit limit depends on your FD deposit, with most apps offering 80–90% of the FD value.
Rewards and Offers on FD Credit Cards
Even though these cards are secured, many FD credit card apps come with benefits like:
- Cashback on shopping
- Discounts on travel, food, and more
- Reward points on transactions
By using your card wisely, you can enjoy these perks while building a solid credit record.
How to Choose the Right FD Credit Card App
When picking an app, look for these features:
What to Look For
- Simple interface for easy use
- Online FD creation and tracking
- Instant FD deposit linking
- Notifications for payments and rewards
- Support for flexible fd options
Make sure the app gives you full control over your FD and card in one place.
Final Thoughts
FD Credit Card Apps are a smart way to start your credit journey. They are safe, easy to use, and offer rewards just like regular credit cards. With fd app platforms becoming more advanced, applying and managing your card is more convenient than ever.
Whether you’re a student or someone looking to build credit from scratch, these apps make the process easy and accessible. Choose the right online FD app, open your FD deposit, and step into the world of smart banking today.
