Best FD Credit Card in Rajkot: how it works
An FD credit card, also called a secured credit card or a credit card against FD, is a normal credit card with one difference: your fixed deposit is kept as security (a lien) while the card is active. That's why the bank doesn't need your income or credit score to approve it.
- Open a fixed deposit of ₹2,000 or more.
- Get a credit limit linked to the FD, usually 75% to 90% of it.
- Use the card online, in shops and for bills, like any credit card.
- Pay the bill on time and your CIBIL score starts building from the first statement.
Your FD stays in your name and keeps earning interest. You get it back when you close the card and clear any dues.
Who in Rajkot should get an FD credit card
Rajkot is a centre for engineering, auto parts and small manufacturing units, with a large base of self-employed traders and their families. Many have savings in FDs but no salary slip to show a bank.
- Freshers waiting for their first salary. If you've just joined a company in Rajkot, you can start your credit history now instead of waiting months for a regular card.
- People rebuilding a low CIBIL score. If a past loan or card hurt your score, a secured card with on-time payments is one of the safest ways to rebuild it.
- Homemakers with savings. If you manage the household and keep savings in a fixed deposit, you can get a card in your own name without showing a salary.
- Self-employed people and small traders. Shop owners, tutors, drivers and freelancers often earn well but cannot show salary slips. The FD replaces income proof.
FD credit card vs regular credit card in Rajkot
The difference comes down to what the bank uses as security:
| FD credit card | Regular credit card | |
|---|---|---|
| CIBIL score | Not needed | Usually 700+ |
| Approval | Against your FD | Based on income and history |
| Income proof | Not needed | Salary slip or ITR |
| Credit limit | 75%–90% of FD | Based on income |
| Security | Your FD (stays yours, earns interest) | None, so approval is harder |
| Builds CIBIL | Yes | Yes |
Many people start with an FD card, build a score for 12 to 18 months, and then move to a regular card. Read about upgrading to a regular card.
Documents you need in Rajkot
- PAN card (or e-PAN)
- Aadhaar linked to your mobile number, for e-KYC
- A phone with a camera for video KYC
- ₹2,000 or more for the fixed deposit
No salary slip, ITR, bank statement or guarantor is needed.
Credit limit on an FD credit card in Rajkot
Your limit depends on the FD you open. These examples use 80% of the FD; your bank's percentage may differ.
| FD amount | Example limit (80% of FD) | Keep monthly spend under (30%) |
|---|---|---|
| ₹2,000 | ₹1,600 | ₹480 |
| ₹5,000 | ₹4,000 | ₹1,200 |
| ₹10,000 | ₹8,000 | ₹2,400 |
| ₹25,000 | ₹20,000 | ₹6,000 |
A small limit is not a problem. For building a CIBIL score, what matters is using a small part of it and paying on time. You can raise the limit later by adding to your FD. Read more about the limit on a ₹2,000 FD.
What to look for in the Best FD Credit Card in Rajkot
Use this checklist to compare any card you're offered in Rajkot. The Best FD Credit Card in Rajkot should tick every box:
| What to check | What you want | Our partner card |
|---|---|---|
| Minimum FD | Lower is better for a first card | ₹2,000 |
| Income proof | Should not be needed | Not needed |
| Application | Fully online with video KYC | Online, from Rajkot |
| Reports to CIBIL | Must report, or your score won't grow | Yes |
| CIBIL score | Should not be needed | Not needed |
| Annual fee | Check before you apply | Shown by the bank at application |
| FD interest | FD should keep earning | Yes, normal FD interest |
| Credit limit | A clear share of your FD | Usually 75% to 90% of the FD |
Fees and the exact limit are set by the bank and shown before you confirm. Never pay an agent an upfront fee for approval.
Build your CIBIL score from Rajkot
An FD card is one of the safest ways to start a credit history in Rajkot.
- Use 10% to 30% of your limit each month.
- Pay the total due before the due date.
- Set up autopay from your bank account.
- Keep the card open; older accounts help your score.
- Check your report once a year for free.
| Month | What happens |
|---|---|
| 1 | Card arrives; put one small bill on it |
| 2 | First statement; pay the full amount |
| 4–6 | A CIBIL score usually appears |
| 9 | Check your report for errors |
| 12–18 | Ask about a higher limit or a regular card |
Follow our step-by-step CIBIL plan.
Mistakes to avoid with your first card in Rajkot
- Paying an agent for 'guaranteed approval'. Genuine applications never need an upfront fee.
- Breaking the FD early. While the card is active, the FD is under lien. Close the card first, then release the FD.
- Withdrawing cash on the card. Cash withdrawals carry fees and interest from day one.
- Missing a due date. Even one late payment stays on your credit report. Set up autopay from day one.
Example: Ayesha, 19, a second-year BCom student in Rajkot, had no CIBIL score. They opened a ₹10,000 FD, used the card only for electricity and broadband bills, and paid the full bill through autopay. Within a year they had a clean credit history and a growing score.
How to apply for the Best FD Credit Card in Rajkot
- Check eligibility: 18 or older, Indian resident, PAN and Aadhaar.
- Register using the form on this page.
- Open your FD online during the application.
- Do video KYC in a few minutes.
- Receive the card at home in Rajkot once the bank approves it.
Ready now? Fill in the form on this page and our team will call you to help you finish. See the full eligibility and documents.
FD credit card across Rajkot
We help people across Rajkot, including Kalawad Road, 150 Feet Ring Road, Yagnik Road, University Road, Mavdi, Gondal Road, Raiya Road, Aji GIDC. Pick your area:
Helpful guides
Frequently asked questions
Which is the Best FD Credit Card in Rajkot?
For most people in Rajkot with no income proof or CIBIL score, the best option is a secured card against a small fixed deposit. Ours starts with a ₹2,000 FD, needs no salary slip and builds your CIBIL score from the first bill.
Can I get a credit card in Rajkot without income proof?
Yes. With an FD credit card, the fixed deposit is the bank's security, so salary slips, ITR and bank statements are not needed.
Do I need a CIBIL score to get an FD credit card in Rajkot?
No. The card is approved against your FD, not your score. It is how many people start a CIBIL score.
Can I apply if my Aadhaar address is not in Rajkot?
Yes. You can apply with an Aadhaar from any state. Ask our team if you want the card delivered to your current address in Rajkot.
Do I need to visit a branch in Rajkot?
No. You register online, complete video KYC with your PAN and Aadhaar, and the card is delivered to your address.