Credit Card Against FD Apply - Without Income Proof

Credit Card Against FD Apply – Without Income Proof: Often most of the people keep making rounds of the bank for the credit card and still the bank does not give them the credit card. If you want to take a new credit card and you are tired of going to the banks, then now you can get your credit card made on the basis of FD. The bank issues this card on the basis of fixed deposit, in which the credit limit of 80 to 90 percent of the fixed deposit (FD) to the applicant is increased by many banks.

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Let us know how you can take a credit card on the basis of FD, what are the benefits, which banks offer credit cards on the basis of FD, best credit card in india, apply for FD credit card How to do, what documents would you like, who can get a credit card on the basis of FD, etc. will provide other information in this article, so you must read till the end.

About FD Credit Card

FD credit card is a secured credit card, if you have got FD done in any bank, then now you can get a credit card issued by the bank on that money. Here the bank offers you a credit limit of eighty to ninety percent on your FD amount.

To take this card from the bank, the bank keeps the amount of FD as security in the form of security. Many banks are currently offering this credit card, among which State Bank of India, ICICI, Axis Bank etc. are included.

How to get FD Credit Card?

It is very easy to take a credit card on the basis of FD, for this you will get your FD from ₹ 10000 to ₹ 20000 in your nearest private, government bank, and then you can apply for a credit card on that FD amount. , where the bank will enter the fixed deposit amount, and based on that gives you a credit card.

At present, you can take an FD card by opening your Credit Card Against Fixed Deposit account in ICICI Bank Bank. This account gets opened instantaneously with minimal documentation.

FD credit card Required documents

Pan Card
Aadhar Card
Mobile No
Selfie

FD Credit Card Eligibility

Some banks issue FD credit cards at the age of 18 years, while some banks issue it only at 21 years.
At least ₹10,000 to ₹20,000 FD will have to be done in the bank.
According to the bank, the fixed deposit will have to be kept for 6 months to 12 months.
It is mandatory to have the necessary documents like Aadhar card, PAN card, mobile number to get SD card.
The amount in the FD, the credit card limit bank will get you up to 80-90 percent.
Some banks keep the minimum age limit for getting this card as 18 years, while some banks keep it 21 years.

Note : On maturity of the FD, the card will have to be canceled before the FD can be redeemed. Only after this you will be able to withdraw full money from FD. And be able to use it. If you withdraw money in the middle then you may have to pay some other charges.

For who the credit card against FD

FD credit card can be taken by people with low civil score, low income people, poor credit score etc. at present. Students, Housewives, Salaried Persons, Self Employed Persons, and people from the unorganized sector can get this card made by making an FD in the bank.

FD credit cards – Banks Names

ICICI Bank
SBI Bank
AXIS BANK
HDFC Bank
ALLAHABHAD BANK
PNB Bank

Benefits of FD Credit Card

If you pay bills on time using credit card, then it helps in increasing your credit.
Credit card is available at low interest rate,
Minimum documentation is required.
It gets activated immediately after getting the approval.
With HD, it helps to increase the credit limit when credit card is used.
Interest rate up to 5 percent is also available on FB.
Cashback offers are also available when used on the online platform,
Mi facility is also available,
Anyone who is above 21 years of age can take this credit card.
This credit card is available on FD, the more you put money in HD, the better you will get credit limit.
The private bank approves the SD card faster than the government bank.
This credit card is available without income proof.

FD Credit Card Apply Online

You can get the FD credit card activated on the minimum document, below we have told you the step by step process about the FD card given by ICICI Bank on the basis of FD.

Apply Offline:

Go to your nearest ICICI Bank, with the help of Aadhar card and PAN card, open Credit Card Against Fixed Deposit account with the branch officer. For example, if you make an FD of ₹ 50000, then you will get an FD card with a credit limit of up to ₹ 45000 . Using which you can meet your needs as well as get interest on FDs, that is to say, you can get double benefits.

Apply Online :

Step 1: Firstly install iMobile App from Google Play Store .

Step 2: Complete the registration with your mobile number and debit card.

Step 3: After this select the Accounts section.

Step 4: Now click on Deposits option.

Step 5: Then click on Open FD Xtra option.

Step 6: After this select Get Started.

Step 7: Now you will be getting the FD CARD option here, click on it.

Step 8: After this you have to add Fund, then only you will be able to get this credit card.

Note : If you have opened Insta Saving Account in ICC Bank , then here you will be able to take 6 months fixed deposit credit card. Get delivered at your doorstep within 10 to 15 days after credit card approval.

Best Credit Card Without Income Proof

SBI Unnati Credit card
Bank of Baroda Assure Credit Card
ICICI Bank Coral Credit Card
ICICI Bank Instant Platinum Credit Card
ICICI Bank Rubyx Credit Card

My Conclusion: FD Card Review

If I tell about my personal experience, if you have not taken a credit card yet, then you can take the credit card given by ICICI Bank on FD of only ₹ 10000, after that you can use Card To Card with other banks. B can take a credit card, if you submit the credit bill on time, it will help in increasing the credit score, credit limit.

Disclaimer : Apply for credit card according to you, we do not have anything to do with it, we have provided the information here only for education purpose, to avoid any fraud your card details, CVV number, Month- Year, do not share personal information with anyone.