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IndusInd Bank Credit Card Against Fixed Deposit
Visa
IndusInd Bank Credit Card Against Fixed Deposit
IndusInd Bank's entry point for new-to-credit customers: place a fixed deposit (typically ₹75,000+) and receive a card with a limit of up to 90% of that amount, with relaxed eligibility and no income documentation. It suits young professionals or NRIs who want an Indian credit history without an existing salary or credit score.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
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.
Benefits by category
- ⛽ Fuel
1% fuel surcharge waiver on transactions in the standard range
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
Benefits
- Credit limit of up to 90% of a linked IndusInd Bank fixed deposit, typically starting from ₹75,000-₹1,00,000
- 1% fuel surcharge waiver on transactions in the standard range
Pros
- + Relaxed eligibility — no income proof or existing credit score needed
- + High advance rate of up to 90% of the FD value
- + FD keeps earning its normal interest while pledged
Cons
- − Minimum FD requirement is higher than most peers (often ₹75,000+)
- − Reward structure is basic compared to IndusInd's unsecured cards like Tiger or Legend
- − Card is closed if the underlying FD is prematurely withdrawn