HDFC Bank Credit Card Against Fixed Deposit
HDFC Bank · Open to apply
A secured HDFC credit card backed by an HDFC fixed deposit of at least ₹15,000, with a credit limit of 90% of the deposit and no income proof or credit score needed. HDFC does not publish the fee, rewards or card variant for this product page, so none are entered.
- Annual fee
- Fees not entered yet
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- Terms not entered, checked 6 Nov 2026
Where the sources disagree
- revolving interest rate on an FD-backed card: The MITC v4.15 says a card issued against a fixed deposit carries the same revolving rate as its card variant. HDFC's Freedom Credit Card fees page says "if your card is issued against a fixed deposit, pay only 1.99% monthly interest". No rate is entered for this card; the MITC wording is the more recent and general document.
Terms the calculator does not value
- The page says the card earns "Reward Points/CashBack on eligible transactions" that can be redeemed for vouchers, airmiles or statement credit, but gives no rate, cap or point value, and no card variant. Rewards, fees and welcome terms are therefore not entered. For the PayZapp route see the PIXEL Play and PIXEL Go records.
- The page says the FD interest continues to accrue while the FD is pledged, and that if dues are not paid HDFC deducts them from the FD. The cost of an FD card also includes the FD interest forgone against a higher-rate use of the money, which the calculator does not value.
Sources
- HDFC Bank Credit Card Against FD product page (Product page, the bank's own, read 6 Nov 2026)
- HDFC Bank credit cards Most Important Terms and Conditions (Key Fact Statement), version 4.18, updated 31 October 2026 (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Pixel FD Backed Credit Card FAQs, 23 February 2026 (FAQ, the bank's own, read 6 Nov 2026)
- Key Fact Statement cum MITC for PIXEL Credit Cards, updated 15 October 2026 (section T, FD backed cards) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- HDFC Bank Freedom Credit Card fees and charges page (mentions FD-backed cards) (Product page, the bank's own, read 20 Oct 2026)