Dreamers, keepers!

Dream Different Credit Card

Exit credit scores, enter big dreams. The #DreamDifferent credit card was built for everyone.
Get my credit card
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    Enjoy a lifetime free secured credit card

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    Unlock credit limit up to 90% of your FD

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    Build your credit score along the way

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    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.

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Buckle 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.

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Frequently Asked Questions

A fixed deposit (FD) acts as collateral for a secured credit card, as the bank puts a lien on the FD until the customer returns the credit card. If the customer defaults on the credit card payments, the bank can use the FD to cover the outstanding balance.

A credit card against FD is an excellent choice for those struggling to obtain a credit card due to low credit scores, irregular income sources, or unsatisfactory ID proof(s). It helps build credit scores and provides access to emergency funds.

Not every secured credit cardholder gets upgraded to an unsecured card. The reason may be a low/average income or any other factor. However, increasing the FD amount in the bank can lead to an increase in the credit limit.

No, it is not possible to deposit money using a debit card, credit card, or wallet. These forms of payment are meant for purchases and transactions rather than for depositing funds. However, other options are available for depositing money, such as bank transfers or cash deposits.

No, taking a fixed deposit will not directly impact your CIBIL score. However, by taking a secured credit card against an existing FD and making timely bill payments, you can improve your CIBIL score through your repayment history.

Yes, ATMs usually allow you to withdraw 100% of your credit limit. However, the card's credit limit will only be 75-90% of your fixed deposit.

Banks usually offer a credit limit equal to about 75-90% of the amount you have in a fixed deposit. So, if you've got a ₹10,000 fixed deposit, you can expect a credit limit ranging from ₹7,500 to ₹9,000. Remember that the precise credit limit may differ depending on the bank's guidelines and your credit history.

Regrettably, credit cards backed by fixed deposits are not accessible to foreign nationals in India. This service is exclusively offered to Indian citizens and residents.

The minimum amount of fixed deposit for a credit card varies by bank. Typically, it ranges from Rs.2,000 to Rs.25,000.

Many Indian banks, such as Kotak Mahindra Bank, offer credit cards against fixed deposits for enhanced financial flexibility.

Disadvantages of secured credit cards include lower credit limits (typically 75-90% of the FD amount) and the requirement to maintain a fixed deposit with the issuing bank.

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