Dream Different Credit Card
Enjoy a lifetime free secured credit card
Unlock credit limit up to 90% of your FD
Build your credit score along the way
Earn and spend in reward points
Make dream investments, differently
Book a Fixed Deposit for as low as Rs. 5,000 and unlock your #DreamDifferent FD linked credit card. No credit score or income proof needed.
Boost credit, pay anywhere & unlock fd
Boost your credit score and unlock the best credit card against FDs by paying your credit card bills on time.
Expect no nightmares
- Credit Card Against FD
- No hidden costs
- Lifetime free credit card
- Credit limit disclosed upfront
Have fun paying with reward points
Redeem your reward points to book flights, buy movie tickets, and do much more. 1 reward point equals Rs.0.25.
Apply for Credit Card
Redeem your reward points to book flights, buy movie tickets, and do much more. 1 reward point equals Rs.0.25.
Apply for Credit CardBuckle up for milestone rewards
Get Rs. 750 cashback or 4 free PVR movie tickets when you spend Rs. 75,000 in a year on the best secured credit card in India.
Make life easier. Get your 811.
Open Zero Balance AccountDream Different Credit Card: All You Need to Know!
Are you struggling to obtain a credit card due to a low credit score or insufficient credit history? If this is the case, you could always consider going in for a credit card against FD (fixed deposit).
An FD-based credit card requires a minimum fixed deposit as collateral, which makes it attainable even if you have little to no credit history. In fact, using one can help build your credit score while offering numerous features and benefits.
Read on to learn how an FD credit card can benefit you along with the application process and eligibility criteria.
Credit Card Against FD
Credit cards against FD are secured credit cards. Here’s how they work.
If the cardholder fails to pay their bills on time, the funds from the linked fixed deposit cover the outstanding balance.
People who don't have the required credit score or stable income can get secured credit cards backed by a fixed deposit.
Features & Benefits of FD-Based Credit Cards
A credit card against FD comes with a host of features and benefits like most FD-based credit cards.
Frequently Asked Questions
Ask Kotak811
Customers without legitimate identity or address documents, or those with specific financial or legal constraints, might find challenges in opening an account.
Absolutely not. While some banks may inquire, Kotak811 emphasises ease of access. However, a PAN card is mandatory for tracking large transactions as part of banking regulations.
You can open only one Kotak811 savings Account. For more queries, get in touch with a representative to know more or Call us on: 18602660811.
You should be 18 years old or above to open a savings account with Kotak811.