Example limits
These are illustrations at 80% of the FD; your bank's percentage may differ.
| FD amount | Example limit (80%) | Keep monthly spend under (30%) |
|---|---|---|
| ₹2,000 | ₹1,600 | about ₹480 |
| ₹5,000 | ₹4,000 | about ₹1,200 |
| ₹10,000 | ₹8,000 | about ₹2,400 |
Is a small limit a problem?
Not for building a score. What matters is paying on time and keeping usage low. A ₹1,600 limit is enough for a recharge and a subscription each month.
How to raise your limit
- Add to your FD, if the bank allows it.
- After 6 to 12 months of good use, check if you qualify for a regular card with a higher limit.
Example
Meera started with a ₹2,000 FD and used her card only for a ₹299 recharge each month, well under 30% of her limit. A year later she added to her FD to get a higher limit for travel bookings.
Read how the FD card works.
Frequently asked questions
Is the limit equal to my FD?
Usually it is a large share of the FD, not 100%. The bank shows the exact figure.
Can I increase my limit later?
Usually yes, by adding to your FD. Check the bank's process.
Keep reading
FD Credit Card for StudentsHow a card against a fixed deposit worksCan a Student Get a Credit Card Without Income?Yes, with a card against a small fixed deposit. Here's how.What Is an FD Credit Card and How Does It Work?The simple explanation of a card against a fixed deposit.How to Build a CIBIL Score as a Student (Step by Step)Six steps to go from no score to a strong one while you study.