Good news! You can now apply online for an HDFC Credit Card against your Fixed Deposit (FD). Earlier you could apply for FD based credit card only via branch, but now HDFC Bank has given this option online.
FD based Credit Card is a simple way to get a credit card if you do not have any credit history or have low CIBIL score.
Please note that if you already hold a HDFC Bank Credit Card then you cannot get secured credit card against fixed deposit.
How to Apply?
🔹 Apply Here: Click this link
Eligibility Criteria:
✔ You must be an existing HDFC Bank customer with a savings account.
✔ Minimum FD amount required: ₹15,000 (varies by card type).
✔ FD tenure: At least 1 year.
✔ Age: Between 18 to 75 years.
✔ PAN card must be active and updated with the bank.
Which FDs Are Not Eligible?
❌ Tax Saver FD
❌ NRI FD
❌ FD in a minor’s name
❌ FD with a lien (blocked for loan/other purposes)
❌ Sweep-in FD
❌ Non-Withdrawal FD
Credit Card Limit
💳 You get 90% of your FD amount as your credit limit.
💳 You can combine multiple FDs to increase your credit limit.
How to Open an FD (If You Don’t Have One)?
If you don’t have an FD with HDFC Bank, you can open one online here:
👉 Open FD Online
Minimum FD Required for Different Cards
| Credit Card Variant | Fixed Deposit Amount |
|---|---|
| Freedom | ₹15,000 |
| IOCL | ₹15,000 |
| Biz First | ₹20,000 |
| Moneyback+ | ₹35,000 |
| Biz Grow | ₹55,000 |
| Millennia | ₹1,15,000 |
| Diners Privilege | ₹2,20,000 |
| Regalia Gold / Biz Power | ₹3,35,000 |
| Biz Black | ₹5,50,000 |
Important Notes:
✅ Activate your card within 30 days (use it for a transaction, set a PIN, or activate via MyCards).
✅ FD interest rates depend on the current rates and chosen tenure.
Why Choose HDFC Credit Card Against FD?
✔ Biggest Private Sector Bank in India.
✔ Keep earning interest on your FD.
✔ Enjoy credit card benefits like rewards, discounts, and cashback.
✔ Easy online application process.
Apply now and enjoy the convenience of a credit card while your FD remains secure! 🚀
If you want to apply for unsecured credit card without any fixed deposit then you can apply from below link.
Click here to apply for credit card without any fixed deposit.