How to Apply for a Credit Card Without Income Proof

Credit Card Against FD

Are you looking for a credit card without the income proof and credit score?. You can get a Credit Card against FD. The minimum amount of FD should be INR 10,000 (Varies by bank to bank). You will receive 85 – 90% of your FD amount as a credit limit.

You will get the interest for your fixed deposit, but you will not be able to close the FD until you cancel your credit card.

Credit Cards Against FD (Fixed Deposit)

Nowadays there are many banks in India that offer credit cards against FD to their customers. Leading banks like ICICI Bank, State Bank of India (SBI), Axis Bank and HDFC Bank offer the same felicity.

This facility allows people with no credit history to apply for a credit card. Also, people who have just started working can make use of this facility.

NRI can also use Credit Cards against Fixed Deposit felicity

Below are the fees and other details of available Credit Cards Against FD

Credit Card VariantFixed Deposit RequiredJoining Fee/Annual Fee
Axis Bank Insta Easy Credit CardMin. Rs.20,000Joining fee: Rs.500; Annual fee: NIL
ICICI Bank Coral Credit CardRs.20,000Joining fee: Rs.500; Annual fee: Rs.500
ICICI Bank Instant Platinum Credit CardRs.20,000NIL
SBI Card UnnatiRs.25,000First 4 years – NIL 5th year onwards – Rs.499
Kotak Mahindra Aqua Gold Credit CardRs.25,000Joining fee: NIL; Annual fee: NIL
Union Bank of India Usecure Credit CardRs.25,000Joining fee: NIL; Annual fee: NIL
YES Prosperity Rewards Plus Credit CardRs.50,000Joining fee: Rs.350; Annual fee: Rs.350
YES FIRST Preferred Credit CardRs.3 lakhJoining fee: Rs.2,500; Annual fee: Rs.2,500
Bank of Baroda Assure Credit CardNot AvailableJoining fee: Rs.500; Annual fee: Rs.500
Andhra Bank Visa ClassicRs.10,000Rs.400
Andhra Bank Visa PlatinumRs.10,000Rs.400
DCB Payless Credit CardNot AvailableRs.350


Please enter your comment!
Please enter your name here