Best FD Backed Credit Cards in India (2026) – Easy Approval Without Income Proof

Getting a credit card can be difficult if you have no credit history, low income or a poor CIBIL score. Fortunately, FD backed credit cards provide an easy way to start your credit journey without strict income requirements.These credit cards are issued against a Fixed Deposit (FD), making them easier to obtain than regular unsecured credit cards. They are ideal for students, first-time users, freelancers and anyone looking to build a strong credit profile.In this guide, we'll compare the best FD backed credit cards in India for 2026.

What is an FD Backed Credit Card?

An FD backed credit card is issued against a fixed deposit held with a bank. Instead of relying heavily on your salary or credit history, the bank uses your FD as security.Because the risk is lower for banks, approval chances are usually much higher.

Benefits of FD Backed Credit Cards

  • Easy approval process
  • No income proof required in many cases
  • Helps build CIBIL score
  • Suitable for beginners
  • Lower rejection chances
  • Can be used like a regular credit card