#1₹1,440/yr
SBI Card against Fixed Deposit
80% of FD value · No CIBIL Needed
Best net value on this list — about ₹1,440/yr in your pocket after fees on typical spends.
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Age 18–65 · Secured — FD-backed secured card from ₹5,000 · Secured card
No CIBIL Needed·IDFC FIRST Bank
Secured card against FD from ₹5,000.
Age 18–65 · Secured — FD-backed secured card from ₹5,000 · Secured card
Key Benefits
All 11 benefits →All spends
1X reward points
Credit limit
100% of FD
Min FD ₹5,000
Forex markup
0%
Zero forex charges
UPI
1 pts/150
Zero sales calls. Ever.
Caps & exclusions verified · 2026-06-12
On the bank's site: You'll apply on the bank's website. They may ask for contact details and follow up on your application.
We earn commission if approved — at no cost to you.
Issuer updates and CardHungry deep-dives that affect this card.
Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.
Source: IDFC FIRST WOW T&Cs
FD-backed — build credit from scratch
RuPay credit card — popular UPI-first option. Link on PhonePe, GPay, or Paytm.
UPI credit uses RuPay-linked cards on apps like GPay, PhonePe, and Paytm. Rates and exclusions follow issuer MITC — verify before relying on UPI for rewards.
Source: IDFC FIRST WOW T&Cs
All spends
1X reward points
Credit limit
Min FD ₹5,000
100% of FD
Example: ₹10,000/mo spend → ≈ ₹10,000/mo
Forex markup
Zero forex charges
0%
Forex markup
0%
See worked examples of how points convert to cash value
upi — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹0.25/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.
Based on moderate spend for this market
Est. net annual
₹620
per year
Annual fee
Free
per year
Effective return
0.2%
of spend
Rewards minus annual fee on your spend profile
Annual fee Free · Forex 0% — tap for full fees
Joining fee
Lifetime free card
₹0
Annual / renewal fee
No renewal fee ever
₹0
Forex markup
0%
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user · Steady year
Signup bonus is excluded here — switch to Year 1 on the hero or open the calculator for first-year value.
Formulas and assumptions: How we calculate NAV
18–65 years · Yes — from ₹5,000 — tap for full criteria
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
At moderate spend (₹31,000/mo), gross rewards are about ₹620/year. After the ₹0 annual fee, net value is approximately ₹620/year. Use the calculator above to model your own spends.
No income proof required. FD-backed secured card from ₹5,000.
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Deeper rankings and comparisons for similar use cases.
Approval estimate based on public eligibility criteria. Indicative only. Not a guarantee of approval.