What is the maximum credit limit against an Axis Bank FD?

Axis Bank offers a credit limit up to 80% of the FD amount on the Axis Bank FD-linked credit card. The actual limit is subject to the applicable card variant, FD amount and Axis Bank’s terms and conditions at the time of issuance.

Can I withdraw FD against a credit card?

No, you cannot break or withdraw an FD linked to a credit card against FD because the bank places a legal hold (lien) on your deposit, using it as mandatory collateral for your credit line until the card is cancelled and all dues are cleared (dependency).

What is the minimum FD required for an Axis Bank credit card against FD?

Different credit cards have different fixed deposit requirements. Axis Bank’s FD-linked credit cards have different requirements. The applicants should check the applicable minimum deposit for their selected card before applying. The final eligibility and FD requirement remain subject to the bank’s prevailing terms.

Which Axis Bank credit cards are available against FD?

Axis Bank currently lists the IndianOil Easy Axis Bank Credit Card, Privilege Easy Credit Card and Axis Bank MY Zone Easy Credit Card as FD-linked credit cards. The bank may have different eligibility conditions for different cards. The applicants should check the eligibility requirements for their chosen card.

Is income proof required to get an Axis Bank credit card against FD?

Applicants may not need to provide income proof for an FD-backed credit card. The fixed deposit is kept as security for the card. However, applicants must fulfil Axis Bank’s applicable KYC, eligibility and documentation requirements. The requirements may vary depending on the card and applicant profile.

Can I get an Axis Bank credit card against FD without a credit history?

An FD-backed credit card is suitable for applicants who have limited or no credit history. The FD is kept as security for the card. However, approval is not automatic and remains subject to Axis Bank’s eligibility criteria, documentation requirements and internal assessment.

What are the fees for Axis Bank credit cards against FD?

Joining and annual fees for Axis Bank FD-backed credit cards vary by variant. The MY Zone Easy and IndianOil Easy Credit Cards charge a joining and annual fee of ₹500 each, while the Privilege Easy Credit Card charges ₹1,500 for both joining and annual fees.

Axis Bank Credit Card Against FD

An Axis Bank credit card against FD is a secured card issued with no income proof, starting at a minimum FD of ₹15,000. By keeping your deposit as collateral, Axis Bank offers a credit limit up to 80% of your FD value on cards like My Zone Easy, IndianOil Easy, and Privilege Easy.

Why Choose Axis Bank FD Credit Card?

No Income Proof Required

Your FD is the security — no salary slips or credit history needed

Credit Limit Up to 90% of Your FD

Higher your deposit, higher your spending power

Build Your Credit Score

Timely payments help you establish or repair your credit history

15 Lakh Families Secured

13,50,000 Crore of Life Cover Assured

Customer Rating

4.8⁺⁺

Get Guaranteed returns upto 7.4%*

Fully Tax-Free, Life Cover Included

+91

View Plans

Your personal information is secure with us

By continuing you agree to receive assistance and agree to our Privacy Policy, Terms of Use & +Disclaimers

We are rated⁺⁺

17.3 Crore

Registered Consumer

Insurance Partners

7.7 Crore

Policies Sold

Explore plans

Key Highlights of Axis Bank Credit Card Against FD

The table given below provides a summary of the key features of Axis Bank's FD-backed secured credit cards, which include the available credit card variants, FD required, credit limit and fees applicable.

Feature	Details
Card Variants	My Zone Easy, IndianOil Easy, and Privilege Easy Credit Cards
Minimum FD Required	Starts at ₹15,000 (varies by card variant)
Credit Limit	Up to 80% of the pledged FD value
Joining / Annual Fee	Varies by card variant
Interest-Free Period	Up to 50 days
FD Interest Earned	The deposits continue to earn at the applicable rate while pledged as security
Income Proof Required	No income proof or credit check required

*Credit Card terms updated as of October 2026.

Axis Bank Secured Credit Card Variants & Credit Limits

Axis Bank offers multiple secured credit card variants, with credit limits linked to the FD value.

Card Variant	Minimum FD	Credit Limit %	Joining Fee	Annual Fee
Axis Bank MY Zone Easy Credit Card	₹15,000	Up to 80% of the FD value	₹500 (or NIL under LTF offer)	NIL
IndianOil Easy Axis Bank Credit Card	starts at ₹10,000 to ₹15,000	Up to 80% of the FD value	₹500 (or NIL under LTF offer)	NIL
Privilege Easy Credit Card	₹65,000	Up to 80% of the FD value	₹1,500	₹1,500

Why Choose a Credit Card Against FD from Axis Bank?

If you want a card with less paperwork, a credit card against FD from Axis Bank is helpful. It is backed by your fixed deposit, so the bank does not require income documents or a credit rating for its secured retail credit cards. This can make an FD-backed card an option for applicants with limited or no credit history, subject to applicable eligibility criteria. Your FD keeps earning interest at the contracted Axis Bank FD interest rate as usual.

Eligibility Criteria for Axis Bank FD-Backed Credit Card

Eligibility Criteria to apply for Credit Card against FD are mentioned below:

Indian Citizen: The applicant must meet Axis Bank’s applicable KYC and eligibility requirements, including PAN requirements where applicable.
Age: The applicant must be 18 years or above.
Fixed Deposit: The applicant must have an eligible Fixed Deposit with Axis Bank.

Documents Required For Axis Bank Secured Credit Card

The documents required will differ depending on the applicant’s current KYC status. In case you already have an eligible Axis Bank FD in your name, the bank can process your application with the details attached to that FD. The documents needed generally are:

PAN
Aadhaar or other accepted identity/address proof, where required
Passport details, where applicable
Residential and permanent address details
Mobile number
FD account number
Principal amount of the FD
Additional overseas and local address details for NRI applicants, where applicable
Income proof is not required for the secured credit card facility against an eligible Axis Bank FD.

Application Process for Axis Bank Credit Card Against FD

Applying for a credit card against FD can be done through Axis Bank's available online and branch channels. The following is a step-by-step process:

Online Application Process

Some of the key steps are mentioned below:

Visit the Official Website: Go to the Axis Bank official website and navigate to the credit card against FD section.
Open a Fixed Deposit: If you don’t have one, open a fixed deposit of the minimum amount and the minimum tenure that the bank requires.
Select FD-Linked Credit Card Option: To further proceed with the process, select the appropriate card to link it to your FD.
Fill in the Application Form: Enter the required personal details, FD information and contact details.
Submit Required Information: Provide the required KYC and FD-related information, if requested. Income documents are not required for the secured retail credit card facility, which is subject to applicable terms.
Verification and Approval: When all required steps are completed, the bank will verify the information given by you. After verification and approval, Axis Bank marks a lien on the FD, which serves as security for the credit card facility.

Offline Application Process

If the applicant wants a face-to-face interaction, the credit card can be applied for through an Axis Bank branch.

Visit Nearest Branch: At the very first step, you have to visit the nearest Axis Bank branch. At the bank, you have to request the application form for a credit card against an FD.
Place a Fixed Deposit: If you do not already have an eligible FD, open one that meets the bank's applicable amount and tenure requirements.
Fill the Application Form: Complete the credit card application form with your personal and FD-related details.
Submit Supporting Documents: Provide the required KYC documents and FD details, if requested by the bank.
Bank Verification: Axis Bank verifies the applicant's details and the FD offered as security.
Credit Card Issue: On approval, a lien is marked on the FD and the credit card is issued as per the applicable process. The FD amount remains as security for the outstanding credit of the credit card.

FAQs

What is the maximum credit limit against an Axis Bank FD?

Axis Bank offers a credit limit up to 80% of the FD amount on the Axis Bank FD-linked credit card. The actual limit is subject to the applicable card variant, FD amount and Axis Bank’s terms and conditions at the time of issuance.
Can I withdraw FD against a credit card?

No, you cannot break or withdraw an FD linked to a credit card against FD because the bank places a legal hold (lien) on your deposit, using it as mandatory collateral for your credit line until the card is cancelled and all dues are cleared (dependency).
What is the minimum FD required for an Axis Bank credit card against FD?

Different credit cards have different fixed deposit requirements. Axis Bank’s FD-linked credit cards have different requirements. The applicants should check the applicable minimum deposit for their selected card before applying. The final eligibility and FD requirement remain subject to the bank’s prevailing terms.
Which Axis Bank credit cards are available against FD?

Axis Bank currently lists the IndianOil Easy Axis Bank Credit Card, Privilege Easy Credit Card and Axis Bank MY Zone Easy Credit Card as FD-linked credit cards. The bank may have different eligibility conditions for different cards. The applicants should check the eligibility requirements for their chosen card.
Is income proof required to get an Axis Bank credit card against FD?

Applicants may not need to provide income proof for an FD-backed credit card. The fixed deposit is kept as security for the card. However, applicants must fulfil Axis Bank’s applicable KYC, eligibility and documentation requirements. The requirements may vary depending on the card and applicant profile.
Can I get an Axis Bank credit card against FD without a credit history?

An FD-backed credit card is suitable for applicants who have limited or no credit history. The FD is kept as security for the card. However, approval is not automatic and remains subject to Axis Bank’s eligibility criteria, documentation requirements and internal assessment.
What are the fees for Axis Bank credit cards against FD?

Joining and annual fees for Axis Bank FD-backed credit cards vary by variant. The MY Zone Easy and IndianOil Easy Credit Cards charge a joining and annual fee of ₹500 each, while the Privilege Easy Credit Card charges ₹1,500 for both joining and annual fees.