Last updated: 21 August 2026
What Is It?
FD ke against card — limit = FD 75-100%. Approval almost guaranteed (no score bhi).
How It Works
- FD karo (₹10K+)
- Secured card apply
- Use + pay → score build
- 6-12 mo → unsecured eligible
Options
HDFC Freedom (FD), ICICI Platinum (FD), SBI Unnati, Axis secured.
Pros/Cons
| ✅ | ❌ |
|---|---|
| Guaranteed approval | FD locked |
| Score builds | Kam rewards |
Frequently Asked Questions
Q: Without income?
A: Haan — FD par limit.
Q: FD needed?
A: ₹10,000 se shuru.
Convert your statement — free!
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