Credit Card Against FD | HDFC Secure Credit Card

Most of us already know about credit cards, but here I am explaining them briefly. A credit card is a plastic card issued by various banks, and you are assigned a certain credit limit based on your CIBIL score, income, and other factors. The credit limit varies for every user and from bank to bank.

The biggest advantage of a credit card is that you can use the amount first, and the bill is generated later. There is usually a timeline of around 45–50 days within which you can make the payment without any interest if paid on or before the due date. This makes credit cards very useful—only if you repay the amount on time.

However, I would like to mention one important thing: you should take any kind of credit only when you are capable of repaying it or have a stable source of income.

Many people are unable to get a credit card due to reasons like a low credit score, lack of permanent employment, working in the unorganized sector, or not receiving salary in a bank account. But they do not need to worry—there is another option available, which in my opinion is the best option, because with this you never fall into debt. This option is known as a Credit Card Against Fixed Deposit (FD).

Many banks provide this facility, but here I am talking about the HDFC Secured Credit Card, called “secured” because it is issued against your Fixed Deposit.

Benefits of HDFC Secured Credit Card

• Easy approval for a credit card against your FD
• Credit limit up to 90% of your Fixed Deposit (maximum limit: ₹8 lakh)
• Helps build or boost your credit score
• Your FD continues to earn interest
• 100% digital, quick process, and easy approval

Who Can Apply for the HDFC Secured Credit Card?

Eligibility:

• Age: 18 to 75 years
• Only for Indian residents
• Must be an existing HDFC Bank customer
• Must hold an active HDFC Fixed Deposit of ₹15,000 or more, with a minimum tenure of 1 year

Not Eligible:

• NRI FDs
• Tax Saver FDs
• Sweep-in FDs
• Lien-marked or non-withdrawable FDs
• Minor FDs
• Joint FDs
• Existing HDFC Credit Card holders (except floating/secondary card holders)

How to Apply for the HDFC Secured Credit Card?

1. Click on the link GroMo to visit the GroMo page (this is my affiliate link). You will see my name, mobile number, and WhatsApp link.
2. Fill in your details, including your mobile number, and verify using OTP. You will then be redirected to the HDFC Bank page.

When you receive the credit card, I will also earn a commission.

3. On the bank page, enter your mobile number and PAN/DOB, then verify using OTP.
4. The system checks your eligibility (existing customer status, no existing HDFC credit card, valid FD).
5. Confirm your pre-filled details (mailing address, employment, PAN).
6. Select your FD for lien marking — it must be above ₹15,000, with a tenure of at least 1 year, and not a joint FD.
7. Your credit limit will be auto-calculated: up to 90% of the FD amount but not exceeding ₹8 lakh.
   • Example: If your FD is ₹10,00,000, 90% is ₹9,00,000, but you will get only ₹8,00,000 due to the maximum limit.
8. Choose your preferred card variant from the available options.
9. Accept the lien consent and terms & conditions.
10. Complete Aadhaar e-KYC (OTP/self-declaration or VKYC fallback).
11. E-sign the agreement using Aadhaar OTP.

Your card will be issued instantly. The linked FD will auto-renew until the card is closed

Other Terms and Conditions

• The FD must remain lien-marked until the credit card is closed.
• The FD will auto-renew for as long as the credit card is active.
• The customer must pay credit card dues on time; the FD will not be broken for bill payments.
• Once the card is closed, the lien on the FD will be removed and the FD will continue normally.