Best Credit Card Against FD

Best Credit Card Against FD

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Deal Newbie
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Hello guys I joined Desidime today just to get suggestions from you. I’m a student I have no credit history. I wanna get a credit card against FD. I have 25k in hand for FD which card is best to build my CIBIL score.
I have HDFC, SBI Savings Account & Digibank, Axis Asap Digital Savings Account.

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SHAIL_DA wrote:

SBI simply click

What’s the minimum FD value for Simplyclick? In SBI site they are giving Unnati card against FD of 25000.

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Pallab1997 wrote:

What’s the minimum FD value for Simplyclick? In SBI site they are giving Unnati card against FD of 25000.

Site not updated from long time. Unnati is discontinued. Only simply click is available on behalf of FD . You’ll get 70% of the FD value as a credit limit.

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Deal Subedar
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I have axis cc against FD.

80% of FD is given as limit.

They give insta easy credit card.
No joining fees, no annual charges.


Lower rate of interest compared to their other cc.

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rogerthat wrote:

I have axis cc against FD.

80% of FD is given as limit.

They give insta easy credit card.
No joining fees, no annual charges.


Lower rate of interest compared to their other cc.

How much FD you done? On Axis site Insta Easy card have 500 joining fee but no yearly AMC.
Talked with HDFC they said wait for 6 month and maintain 20000 in savings account I will get credit card without any FD.

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Deal Newbie
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rogerthat wrote:

I have axis cc against FD.

80% of FD is given as limit.

They give insta easy credit card.
No joining fees, no annual charges.


Lower rate of interest compared to their other cc.

Is Axis bank reliable? I’ve heard they add hidden charges.

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Mitron56 wrote:

Is Axis bank reliable? I’ve heard they add hidden charges.

Using from last 3 years, no such thing, plus recently i got Flipkart axis card too,

Good so far for me.

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rogerthat wrote:

Using from last 3 years, no such thing, plus recently i got Flipkart axis card too,

Good so far for me.

How to get Flipkart axis bank card???….I already have one axis bank credit card

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namanmakkar wrote:

How to get Flipkart axis bank card???….I already have one axis bank credit card

Apply through Flipkart app.


I got call within an hour of applying.

Next day documents were picked.

Card came in 20days.

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Pallab1997 wrote:

How much FD you done? On Axis site Insta Easy card have 500 joining fee but no yearly AMC.
Talked with HDFC they said wait for 6 month and maintain 20000 in savings account I will get credit card without any FD.




https://www.axisbank.com/retail/cards/credit-ca...



I got 30k against 40k .

It should have been 32k but didn’t matter to me as i already had other cards.



It has 2.5% interest rate compared to 3.25% to 3.75% charged by other cards.

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Deal Newbie
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Hi bro just for info what happens when u consume allocated 30k???

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SathyaC86 wrote:

Hi bro just for info what happens when u consume allocated 30k???

Nothing you can pay in advance if u want to use again or leave it till auto debit or payment. Then i can use it again.

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rogerthat wrote:

Nothing you can pay in advance if u want to use again or leave it till auto debit or payment. Then i can use it again.

Yep. Just clear some dues and use it again.

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Deal Newbie
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Means once u clear dues again u will get 30k limit righr?

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SathyaC86 wrote:

Means once u clear dues again u will get 30k limit righr?

Yes. And you don’t need to pay the full 30k either.

Just pay 10k if you only need to use the card for 10k.

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rogerthat wrote:

I have axis cc against FD.

80% of FD is given as limit.

They give insta easy credit card.
No joining fees, no annual charges.


Lower rate of interest compared to their other cc.

Now confused between Insta Easy and Simplyclick?🤔
I just wanna build my credit score in 6 month.
I don’t want any reward points,lounge access anything.

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Pallab1997 wrote:

Now confused between Insta Easy and Simplyclick?🤔
I just wanna build my credit score in 6 month.
I don’t want any reward points,lounge access anything.

Simplyclick is a good card for shopping online. Amazon Pay ICICI too.

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SathyaC86 wrote:

Means once u clear dues again u will get 30k limit righr?

Yes, this is how a credit card is supposed to work.

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Pallab1997 wrote:

Now confused between Insta Easy and Simplyclick?🤔
I just wanna build my credit score in 6 month.
I don’t want any reward points,lounge access anything.

Insta easy. They will hand it you in branch itself.no waiting period.


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rogerthat wrote:

Insta easy. They will hand it you in branch itself.no waiting period.


Really? Will they print my name on the card?
Ok tomorrow first I will visit SBI then Axis. I will update here tomorrow.

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Pallab1997 wrote:

Really? Will they print my name on the card?
Ok tomorrow first I will visit SBI then Axis. I will update here tomorrow.

Insta easy card. Will be written in name.

No name printing.

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Deal Lieutenant
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my suggestion is you dont need to get cc based on fd

my case was exactly same as you
I enquired in hdfc bank and opened a savings acc, after 10 days applied for a cc through bank only, got the card with 25k limit, limit is 86k after 14 months of usage

do ask in hdfc bank about this route
if they are saying different ask in different branches

also to get sbi cc read this thread

https://www.desidime.com/forums/dost-and-dimes/...

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SARDARKHAN wrote:

my suggestion is you dont need to get cc based on fd

my case was exactly same as you
I enquired in hdfc bank and opened a savings acc, after 10 days applied for a cc through bank only, got the card with 25k limit, limit is 86k after 14 months of usage

do ask in hdfc bank about this route
if they are saying different ask in different branches

also to get sbi cc read this thread

https://www.desidime.com/forums/dost-and-dimes/...

Bro I opened my HDFC account 1 month back. And maintaining 20k MAB from 1st day. Visited my branch few days back and talked to their credit card employee they said if u don’t have any income then u have to do a 50k FD or maintain 20k average balance for 6 month and you will get credit card offer on NetBanking free for life time. Ok I will try once again in HDFC.

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SARDARKHAN wrote:

my suggestion is you dont need to get cc based on fd

my case was exactly same as you
I enquired in hdfc bank and opened a savings acc, after 10 days applied for a cc through bank only, got the card with 25k limit, limit is 86k after 14 months of usage

do ask in hdfc bank about this route
if they are saying different ask in different branches

also to get sbi cc read this thread

https://www.desidime.com/forums/dost-and-dimes/...

What documents did you have to submit? Are you salaried or self-employed? Also is the card you got LTF?

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1cooldesidd wrote:

What documents did you have to submit? Are you salaried or self-employed? Also is the card you got LTF?

itr of last year, self employed, ltf smile

Cropped254511418
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Welcome to DD! Go for SBI Simplyclick

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