Agar aapke paas koi job ya business nahi hai jiski wajah se aapko Credit Card lene mein dikkat aa rahi hai to aap bank mein Fixed Deposit (FD) kholkar Credit Card ke liye apply kar sakte hain. Jo Credit Card aapko FD par milta hai usko Credit Card against FD ya 'Secured Credit Card' kahte hain. FD ke against milne wale 'Secured Credit Card' ko aap bina kisi Income Proof ke le sakte hain. Yeh ek aisa Credit Card hai jiske liye agar aap apply karte hain to aapko keval bank mein ek FD khulwana padega aur aapko kisi tarah ke Income Proof jaise Salary Slip, Income Tax Return (ITR), Bank Account Statement ki zaroorat nahi padti hai aur na hi aapka CIBIL/Credit Score dekha jaata hai.
Secured Credit Card bilkul ek normal Credit Card ke jaisa hi hota hai, bas iske liye aapko bank mein FD kholna padta hai. Is Credit Card ki limit FD mein jama kiye gaye Amount ke 70% ya 80% se 85% tak hoti hai. Yeh bank ke upar nirbhar karta hai ki bank aapko aapke FD mein moujood Amount ke kitne percent tak ki limit aapke Credit Card par deta hai, kuch bank 70% ki limit dete hain, kuch 80% ki aur kuch 85%  aur kuch bank to 100% tak ki limit dete hain. Yeh Credit Card koi bhi le sakta hai, iske liye keval bank mein FD open karana hoga, aur uske baad Credit Card ke liye apply kiya jaa sakta hai. Lekin FD ke against Credit Card har bank nahi issue karta hai, lekin aaj ke time mein bahut saare bank hain jo FD ke against Credit Card issue kar rahe hain.
Humne is Credit Card ke baare mein aur bhi posts likhe hain, agar aapko is Credit Card se sambandhit adhik jaankari chahiye to aap humaare yeh posts padh sakte hain.
Is post mein hum aapko batayenge ki kaun-kaun se bank kitne minimum FD amount par kaun-kaun se Credit Cards dete hain.
Sabhi bank alag-alag minimum FD amount par Credit Card issue karte hain, isliye yeh jaanna zaroori hai ki kaun sa bank humen kitne Amount ki FD karaane par Credit Card issue karega. 

Credit Cards Against FD List:

Banks                                                  Credit Cards                              Minimum FD Amount  


  • Andhra Bank                                        Signature Card                                  Rs. 10,000
  • Development Credit Bank (DCB)    Payless                                                Rs. 15,000
  • Central Bank of India                         Aspire                                                 Rs. 20,000
  • ICICI Bank                                           Coral Credit Card                             Rs. 20,000
  • ICICI Bank                                           Instant Platinum                              Rs. 20,000
  • Axis Bank                                             Insta Easy Credit Card                    Rs. 20,000
  • Kotak Mahindra Bank                       Solaris Credit Card                          Rs. 25,000
  • State Bank of India                            Unnati                                                Rs. 25,000
  • State Bank of India                            Advantage Plus Card                        Rs. 25,000
  • Bank of Baroda                                   Assure                                                Rs. 25,000
  • Union Bank of India                          Usecure                                             Rs. 25,000
  • Kotak Mahindra Bank                      Aqua Gold                                         Rs. 25,000
  • Kotak Mahindra Bank                      Galaxia Credit Card                        Rs. 1,00,000

Yeh FD ke against milne wale Credit Cards ki list, sath hi banks ki bhi list hai jo FD ke against Credit Card issue karte hain. Aur humne sabhi bankon ke Minimum FD Amount ke baare mein bhi bata diya hai. Agar aapke paas bhi Job/Business nahi hai aur aap Credit Card lena chahte hain to upar diye gaye banks mein se kisi bhi bank mein FD open kara ke Credit Card ke liye apply kar sakte hain. FD karane par aapko FD par milne wala interest bhi diya jaayega. Aap jab chahe FD tudwa bhi sakte hain, lekin FD tootne par aapka Credit Card bhi block ho jayega.  
Agar aap FD par Credit Card lete hain aur usko istemaal karke time-to-time uske bill ka buhgtaan karte hain to aapka CIBI/Credit Score badhega.