Dreamers, keepers!

Dream Different Credit Card

Exit credit scores, enter big dreams. The #DreamDifferent credit card was built for everyone.
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  • Enjoy a lifetime free credit card - Kotak 811

    Enjoy a lifetime free secured credit card

  • Unlock credit limit up to 90% of your FD - Kotak 811

    Unlock credit limit up to 90% of your FD

  • Build your credit score along the way - Kotak811

    Build your credit score along the way

  • Earn and spend in reward points - Kotak811

    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.

Make dream investments, differently - Kotak 811

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.

Raise the bar, on the go - Kotak 811

Expect no nightmares

  • Credit Card Against FD
  • No hidden costs
  • Lifetime free credit card
  • Credit limit disclosed upfront
Expect no nightmares - Kotak 811

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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Have fun paying with reward points - Kotak 811

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.

Buckle up for milestone rewards - Kotak 811
Make life easier with kotak811 dream different credit card

Make life easier. Get your 811.

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Dream 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.

Affordable FD amount

People having individual fixed deposit of a minimum of Rs. 5,000

Credit Limit

The credit limit offered on secured credit cards is usually 75% to 85% of the deposit amount.

Minimal Documentation

You will need to submit your fixed deposit certificates and a couple of other basic documents.

Minimum Tenure

The minimum tenure of the fixed deposit should be six months

Interest Free Period

Banks offer an interest-free period of 48 to 55 days on secured credit cards. During this time, you can make purchases without paying any interest on the credit used.

Rewards and Cashback

Cardholders can earn reward points or cashback on purchases made using the card.

Interest on fixed deposit

Even while using your fixed deposit as collateral, you'll continue earning interest. It can be a great way to earn extra money while building your credit history. 


Frequently Asked Questions

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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, 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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