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ESAF Bank Credit Card Against FD
RuPay
ESAF Bank Credit Card Against FD
ESAF Small Finance Bank's Credit Card Against FD lets customers without income proof or an established credit history get a RuPay card secured by their own fixed deposit. It carries the same 1.25% cashback structure as ESAF's regular RuPay Platinum card, with the FD left untouched and still earning interest. A practical, no-frills option for first-time or credit-building applicants in ESAF's semi-urban and rural customer base.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1.25%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1.25% base rate
Benefits by category
- 🛡️ Insurance
Personal accident and permanent disability cover bundled with the card, as on ESAF's RuPay Platinum line.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Age: 18–65
Fees & charges
- Foreign currency markup: 3.5%
Benefits
- Secured credit line issued against a fixed deposit with ESAF Small Finance Bank; the FD stays intact and continues earning interest.
- Personal accident and permanent disability cover bundled with the card, as on ESAF's RuPay Platinum line.
Pros
- + No income proof or credit history required
- + FD remains intact and keeps earning interest
- + Personal accident and disability cover included
- + Straightforward, low-fee product
Cons
- − Requires locking up a fixed deposit to secure the card
- − Reward rate is basic versus unsecured cashback cards
- − Limited premium travel or lifestyle benefits