Money won’t grow in your mattress.
It will grow in a Fixed Deposit!
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    Banks providing Credit Card against Fixed Deposit in 2015

    We found 111 Banks providing Credit Card against Fixed Deposit in 2015

    Institution Name
    Deposit Amount Range
    Tenure Range
    Interest Rate
    Up to ₹25L
    1 Year to 5 Years
    7.49% - 8.19% Monthly compounding
    Response Time Within 30 minutes
    Features
    Documents
    Good to Know
    Up to ₹25L
    1 Year to 5 Years
    7.75% - 8.5% Monthly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    Up to ₹1Cr
    7 Days to 20 Years
    5% - 8.15% Quarterly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    Up to ₹1Cr
    7 Days to 10 Years
    4% - 7.5% Quarterly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    Up to ₹1Cr
    7 Days to 10 Years
    4.25% - 7.35% Monthly compounding
    Response Time Within 30 minutes
    Features
    Documents
    Good to Know
    Up to ₹1Cr
    15 Days to 20 Years
    4.25% - 6.9% Monthly compounding
    Response Time Within 30 minutes
    Features
    Documents
    Good to Know
    Up to ₹1Cr
    7 Days to 10 Years
    4% - 7% Monthly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    NRI - FD
    Up to ₹1Cr
    1 Year to 5 Years
    6.5% - 7.10% Monthly compounding
    Response Time Within 30 minutes
    Features
    Documents
    Good to Know
    NRI - FD
    Up to ₹1Cr
    1 Year to 10 Years
    6% - 6.4% Monthly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    NRI - FD
    Up to ₹1Cr
    1 Year onwards
    6.25% - 6.5% Monthly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    Up to ₹1Cr
    7 Days to 10 Years
    4% - 7.35% Quarterly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
    NRI - FD
    Up to ₹1Cr
    1 Year to 5 Years
    6.85% Quarterly compounding
    Response Time Within 30 minutes
    Features
    Highlights
    Documents
    Good to Know
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  • Customer Reviews

    • SBI Fixed Deposit
      "Convenient to Hold"
      0.5 4.0/5 "Great!"
      It has been two years when I opened fixed deposit with State bank of India. The period is for five years. Since I completed two years, three years to go. Interest rate is of 11%. Actually SBI is located near to my house so I feel more comfortable in visiting the bank at any instance. All the staffs are very friendly and very cooperative.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on May 25, 2017
    • SBI Fixed Deposit
      "Secured investment"
      0.5 5.0/5 "Blown Away!"
      Compared to other banks SBI offering good interest rate on fixed deposit, they offered me 7.95% of interest. I have the amount of Rs. 2.4 lakhs for the tenure of three years. After the maturity period I got the amount around 2.9 lakhs. I am very much fine with that.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 24, 2017
    • Karur Vysya Bank Fixed Deposit
      "Good"
      0.5 3.5/5 "Pretty good"
      I am having the fixed deposit account with the Karur Vysya bank and the account got opened within one to two days of time. Tenure is for five years of time and after that it will be get matured. Rate of interest was around 8.5% to 9% on that time with the tax redemption.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2017
    • Karnataka Bank Fixed Deposit
      "Good Bank"
      0.5 5.0/5 "Blown Away!"
      I have an account for fixed deposit only with Karnataka bank. I have deposited around fifty five lakhs. I bank with Karnataka for more than twenty years, even my family members are having an account with the same bank. Their services are really good.
      Was this review helpful? 0
      , chennai
      Reviewed on May 22, 2017
    • ICICI Bank Fixed Deposit
      "Good one"
      0.5 3.5/5 "Pretty good"
      I have fixed deposit account with the ICICI bank and I got it from them because I had the salary account with them. Within two days of time fixed deposit account got opened and the maturity period is around one year of time. Interest rate is around 8% with them and am not that much happy with that. I would like to suggest that they can increase the rate of interest for the deposits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 18, 2017
    • SBI Fixed Deposit
      "Too much of process involved"
      0.5 2.5/5 "Just OK"
      At other private bank a fixed deposit could be opened online and a customer does not have to visit the bank. In my case I had to visit State bank of India to open a fixed deposit and it has a lot of process involved. Like wise to close the same it is the same scenario.
      Was this review helpful? 3
      , pune
      Reviewed on May 10, 2017
    • SBI Fixed Deposit
      "Good "
      0.5 5.0/5 "Blown Away!"
      I am having fixed deposit account with the State bank of India and the interest rate is around 6.2% for the tenure of five years of time. I have opened this account through online, so it got happened very immediately. Charges are nil with them and I can get the money withdrawal in fraction of seconds.
      Was this review helpful? 4
      , pondicherry
      Reviewed on May 09, 2017
    • SBI Fixed Deposit
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Long back I had Fixed deposit account with State bank of India. I selected the tenure period for six years. The bank had fixed a good rate of interest. At last I received the money with the promised interest amount. I am much satisfied with SBI for the FD service.
      Was this review helpful? 3
      , hyderabad
      Reviewed on May 09, 2017
    • Bank of Baroda Fixed Deposit
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I had Fixed Deposit account with Bank of Baroda about quite long back. The tenure period is six years and the fixed amount is four to five lakhs. The percentage of interest rate is quite good and they returned the money back with the promised interest amount.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 09, 2017
    • ICICI Bank Fixed Deposit
      "Average "
      0.5 2.0/5 "Expected more"
      I have withdrawn my fixed deposit account with the ICICI bank and the interest rate was around 7%. It took around one to two hours of time to open the account through online. There are no charges while withdrawing the amount , also it took around one month of time to get it.
      Was this review helpful? 1
      , pudukkottai
      Reviewed on May 08, 2017
    • IDBI Fixed Deposit
      "Very Responsive"
      0.5 4.0/5 "Great!"
      I deposited some amount with IDBI bank as a fixed deposit. Actually I deposited this amount for future savings also I will be getting some good interest rate at the end of the year. I got good support from the bank executives and they provided all the information regarding FD.
      Was this review helpful? 1
      , indore
      Reviewed on May 04, 2017
    • YES Bank Fixed Deposit
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      Yes bank have some banking issues with them I believe. I have savings account, recurring and fixed deposit account with them. I never received quick response from the bank. But the bank is good for my fixed deposit account. Simply I opened an account with them and getting better service on it.
      Was this review helpful? 1
      , indore
      Reviewed on May 04, 2017
    • Kotak Fixed Deposit
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have savings account with Kotak Mahindra bank. Even I have fixed deposit account as well. The period of FD is for one year. The bank is assigned relationship manager for me as I have so many accounts with them. I got good response from them for my FD. 1 years, 1years, relationship manager
      Was this review helpful? 0
      , indore
      Reviewed on May 04, 2017
    • SBI Fixed Deposit
      "Satisfactory Service"
      0.5 5.0/5 "Blown Away!"
      Even I have fixed deposit with State bank of India. The tenure period is one year. I deposit certain amount with them as their interest rate is good and incomparable. SBI gives good response to the people and they are very supportive as well. I have no issues with SBI.
      Was this review helpful? 0
      , indore
      Reviewed on May 04, 2017
    • Punjab National Bank Fixed Deposit
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I had invested in fixed deposit with Punjab National Bank. I have deposited ceratin amount on my account. I got good response from the bank when I opened FD. The bank was so supportive and they provided all the information regarding FD. The interest rates too are pretty attractive.
      Was this review helpful? 0
      , indore
      Reviewed on May 04, 2017
    • SBI Fixed Deposit
      "Average "
      0.5 1.0/5 "Really Bad"
      I had invested in fixed deposit with the State bank of India and the interest rate is very less like its around 7.15%, also the returns are also very less, which will be also applicable with the tax. Services provided by them is really not good and I would like to suggest that they need to provide the customer service in a much better way.
      Was this review helpful? 2
      , bhopal
      Reviewed on May 03, 2017
    • SBI Fixed Deposit
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      In terms of interest rate and everything State Bank of India is fine to have the fixed deposit and the service aspects are working fine with them. I am having this account from the last six to seven years of time and the response is always very good with the State Bank of India.
      Was this review helpful? 2
      , mundra
      Reviewed on May 03, 2017
    • HDFC Bank Fixed Deposit
      "Excellent to Excellent"
      0.5 5.0/5 "Blown Away!"
      I do have the fixed deposit account with the HDFC bank and the interest rate is differed according to the offers. All of my deposits will be taken care by my relationship manager. Total tenure is around five years of time and its a kind of small deposits. Net banking services are an excellent one with them.
      Was this review helpful? 2
      , bangalore
      Reviewed on Apr 26, 2017
    • Punjab National Bank Fixed Deposit
      "Customer service should be good and unique for everyone"
      0.5 4.0/5 "Great!"
      I do have fixed deposit account with the Fixed deposit and they have provided around 8.5% as interest rate. Services are perfect one for me and I do have good relationship with them because my relatives are working there. Net banking services are also working good and they are started to exhibit most of the services there.
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Apr 26, 2017
    • Axis Bank Fixed Deposit
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I had invested in fixed deposit account with the Axis bank and the minimum tenure is around five years of time. Response is a good one with them and everything was done through online. Net banking services are working in an excellent way and it is really wonderful.
      Was this review helpful? 1
      , kolkata
      Reviewed on Apr 25, 2017
    Common Loader Icon

    Banks providing Credit Card against Fixed Deposit in 2015 is Rated as "Excellent!" by 1739 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Fixed Deposit BYTES FROM OUR KITCHEN

    The banks nowadays provide credit cards against the fixed deposits. There is a minimum documentation requirement. The cards are sanctioned irrespective of the credit history. The short term liquidity is available without having to compromise with the long term asset allocation.

    The following are the major banks that provide credit cards against the fixed deposits:

    ICICI Bank:

    ICICI bank offers Coral Credit Card against the fixed deposit. The credit card is linked to the fixed deposit. 85% of the fixed deposit amount will be issued as your credit limit on your ICICI Bank Coral Credit Card. The fixed deposit account must be active while the credit card is live. If the dues on the credit card are not paid in 60 days, then the outstanding amount will be recovered from the fixed deposit.

    Eligibility:

    Above 18 years of age and should have a fixed deposit of Rs.20,000 and above for a minimum period of 180 days.

    The fixed deposit account cannot be linked/quantum/80C/NRE/NRO/HFC or in the name of a third person/HUF/Trust/companies.

    Benefits:
    • Special joining fee of Rs.500.
    • Double rewards on dining, groceries and at supermarkets.
    • Get one movie ticket free with one ticket throughout the week.
    • 15% saving on dining at 800 restaurants.
    • Complimentary airport lounge access.
    Features:
    • The card comes with a fixed microchip that provides security against forging and duplication of the card.
    • Only identification proof needs to be provided and no other documents needs to be submitted to the bank.
    • A welcome gift from Provogue worth Rs.999 will be delivered from 45 days of paying the joining fees.
    • The payback point can be redeemed against gift voucher and against cash equal to Rs.0.25.

    State Bank of India:

    SBI Advantage Premium Credit Card:

    This card can be used across 24 million outlets across the world and in 3,25,000 outlets in India. The card is available on the basis of fixed deposit with the State Bank group.

    Features:
    • Flexibility in payment.
    • Extended credit option. The minimum amount can be paid per month and the unpaid balance can be carried forward on lowest charges at 2.55% per month.
    • Credit free period up to 50 days.
    • 100% cash withdraw limit.
    • Allows you to transfer credit form other credit card to the SBI card at a nominal processing fee.
    • Can book railway tickets online using the card.
    • The cards benefits can be shared with your family with supplementary cards.
    • The card can be replace anywhere in the world.
    Benefits:
    • Earn rewards on dining, departmental stores and international spends.
    • Gives you access to over 200 golf courses across the world.
    • Enjoy complimentary membership to Elite Priority Pass Program and access to Airport Lounges in India and Abroad.
    • You get a welcome gift worth Rs.3,000 and anniversary gift on renewal for up to Rs.3,000.
    • A maximum of 40,000 cash points can be earned in a year.
    SBI Advantage Plus Card:

    The card gives you a credit limit of up to 85% of the FD amount.

    Benefits:
    • Enjoy interest rate at 2.25% per month.
    • As you keep paying the EMII’s every month, the credit limit will keep opening every month.
    • You will still continue to enjoy the interest on your fixed deposits.
    • Hassle free loan sanctions.
    Features:
    • The card lets you apply for add-on cards for your family to avail the benefits of the card.
    • With the utility bill payment facility all your utility bills will be paid before the due date.
    • You can transfer the credit balance from other credit cards to SBI card.
    • The card lets you repay in easy monthly instalments.

    Axis Bank:

    Insta Easy Credit Card:

    To avail this card all you need to have is a fixed deposit at the Axis bank. The minimum fixed deposit amount should be Rs.20,000 and the maximum is Rs.25,00,000.

    Features:
    • No income proof and additional address and identity proof needs to be submitted.
    • The joining fee is Rs.500.
    • The charges per month is at the rate of 2.50% and 34.49% per annum.
    • Cash withdrawal fees is 2.5% of the cash withdrawn.
    • Fee for cash payment is Rs.100.
    • Highest level of security with thee inbuilt platinum chip.
    Benefits:
    • Up to 100% cash withdrawal.
    • Free credit period up to 50 days.
    • 2.5% fuel surcharge waiver on all fuel transactions.
    • Flexibility in the credit limit.
    • Guaranteed credit card approval.
    • Can convert the purchase made on the credit card to EMI.
    • Earn eDGE loyalty reward points that can be redeemed at 500 selected reward items.

    Central Bank of India:

    Aspire Credit Card:

    This card is secured by term deposits of the bank.

    Features:
    • It is EMV chip based providing high security.
    • Issued against Cent Aspire Term Deposits.
    • The credit limit is 80% of the term deposit amount.
    • 1.20% per month interest is charged.
    • CIBIL verification is not required.
    • The card has maximum validity of 3 years.
    Benefits:
    • 100% cash withdrawal facility.
    • Personal accident cover against death is provided if you are under Group Insurance Scheme.
    • Benefits are offered for movies, dining and travelling etc.
    • Accepts domestic as well as international transactions.

    Kotak Mahindra Bank:

    Aqua Gold Card:

    This card is available on the term deposit provided by Kotak Mahindra. The primary card holder must be between 18-75 years of age. The add-on card holders must be above 18 years of age. The minimum term deposit amount must be Rs.25,000. This card is suitable for businessmen.

    Features:
    • Credit limit is up to 80% of the term deposit amount.
    • Up to 48 days are interest free.
    • If your card is stolen, you get a cover of up to Rs.50,000 on the fraudulent usage of the card.
    • You can avail add-on cards with the same benefits of your card.
    • The card is valid internationally.
    Benefits:
    • Enjoy up to 90% of cash limit.
    • Enjoy fuel surcharge waiver up to Rs.3,500.
    • Railway surcharge waiver up Rs.500 is allowed.
    • Credit can be transferred for a processing fee of Rs.349 per Rs.10,000.
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