Credit Card Against Fixed Deposit Calculator – India 2026
Estimate your credit limit, FD interest, and arbitrage yield from an FD-backed credit card. No income proof needed — your FD is the collateral.
FD Card Calculator
Typical liquid fund: 7–7.5%/year (as of 2026)
Your FD Card Results — SBI UNNATI Card
Approx Credit Limit
₹85,000
FD Interest/Year
+₹6,500
Arbitrage Float/Year
+₹786
Annual Card Fee
-₹0
Net Yearly Benefit
₹7,286
Effective 7.29% on FD
* FD interest at 6.5% p.a. Liquid fund at 7.5% p.a. 45-day credit period. Annual fee: ₹0. Estimates only — verify with issuer.
Eligible FD-Backed Cards for Your FD Amount
SBI UNNATI Card
FreeMin FD
₹25K
Credit Limit
85% of FD
FD Rate
6.5%/yr
Annual Fee
Free
- •No annual fee for 4 years (then ₹499)
- •No income proof needed
- •1% fuel surcharge waiver
- •Works for building credit score
- •Widely accepted Visa card
Axis Insta Easy Credit Card
FreeMin FD
₹20K
Credit Limit
80% of FD
FD Rate
7%/yr
Annual Fee
Free
- •No annual fee (lifetime free variant)
- •No credit score requirement
- •1% cashback on all transactions
- •RuPay variant available for UPI
- •FD continues to earn 7% interest
Bank of Baroda Assure Credit Card
FreeMin FD
₹10K
Credit Limit
85% of FD
FD Rate
6.8%/yr
Annual Fee
Free
- •Lowest minimum FD ₹10,000
- •No annual fee
- •Lowest entry barrier in India
- •Best for students and first-timers
- •Rupay and Visa options
HDFC Regalia Insta Credit Card
Min FD
₹100K
Credit Limit
80% of FD
FD Rate
7.25%/yr
Annual Fee
₹2500
- •Premium benefits on FD-backed card
- •12 complimentary airport lounge visits/year
- •4 Reward Points per ₹150 spend
- •Milestone cashback up to ₹5,000
- •High FD earns high interest too
Methodology
- •FD interest calculated at card issuer's current FD rates (as of Q1 2026). Verify at bank website before applying.
- •Credit limit = FD amount × issuer's collateral ratio (75–90%). Actual limit at issuer's discretion.
- •Arbitrage yield = monthly spend × (45/365) × liquid fund rate. Assumes full utilization and timely repayment.
- •Data sourced from RBI, issuer websites, and NPCI. Educational estimate only — not financial advice.
FAQs — Credit Card Against FD India 2026
How does a credit card against fixed deposit work in India?
A credit card against FD is secured — your FD acts as collateral. The bank issues a credit card with a limit of 75–90% of your FD. Your FD continues to earn interest. No income proof or credit score usually required.
Which bank is best for credit card against FD in India 2026?
SBI UNNATI (no annual fee, ₹25,000 min FD), Axis Insta Easy (no annual fee, ₹20,000 min FD), Bank of Baroda Assure (₹10,000 min FD, lowest entry), HDFC Regalia Insta (₹1L+ FD, premium perks).
Can I earn arbitrage profit from a credit card against FD?
Yes. FD earns 6.5–7.5%/year. Using the credit card's 45-day interest-free period to keep monthly spend in a liquid fund adds arbitrage yield. Net gain on ₹15,000/month spend ≈ ₹4,800/year — use the calculator above.
What is the minimum FD amount for a secured credit card in India?
Bank of Baroda: ₹10,000. Axis Insta Easy: ₹20,000. SBI UNNATI: ₹25,000. HDFC: ₹1 lakh. SBI UNNATI is the most popular for its zero-fee structure and accessibility.