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ICICI Bank Credit Card Against FD
ICICI Bank offers credit cards against FDs starting with a minimum FD of ₹50,000, and credit limits of up to 90% of the FD value. Available variants include the Instant Platinum Credit Card and the Coral Credit Card. The Instant Platinum card has no joining or annual fee.
Why Choose ICICI 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++
4.8++
Get Guaranteed returns upto 7.4%*
Fully Tax-Free, Life Cover Included
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Key Highlights of ICICI Bank Credit Card Against FD
The key details of an ICICI credit card against FD, including minimum FD requirements, credit limits, fees and other applicable features, are summarised below.
| Feature | Details |
|---|---|
| Card Variant Name(s) | Instant Platinum Credit Card and Coral Credit Card Against Fixed Deposit |
| Minimum FD Amount | ₹50,000 |
| Credit Limit Range | Up to 90% of FD value, subject to applicable limits |
| Joining / Annual Fee | Nil for Instant Platinum; ₹500 + GST joining fee and ₹500 + GST annual fee from the second year, with the annual fee waived on annual spends of ₹1.5 lakh, subject to applicable terms |
| Interest-Free Period | Up to 48 days, subject to applicable terms |
| FD Interest Earned | Yes, the FD continues to earn prevailing ICICI Bank FD interest rates, up to 6.50% p.a. for general citizens and 7.10% p.a. for senior citizens |
| Income Proof Required? | No, the card is secured against an eligible FD |
*Card term updated and last verified in September 2026.
ICICI Bank Secured Credit Card Variants & Credit Limits
The credit limit on an ICICI Bank FD-backed credit card is linked to the value of the fixed deposit and may be offered up to a specified percentage of the FD amount.
| Credit Card Variant | Minimum FD Required | Joining Fee | Annual Fee | Credit Limit |
|---|---|---|---|---|
| Instant Platinum Credit Card | ₹50,000 | Nil | Nil | Up to 90% of FD value |
| Coral Credit Card Against Fixed Deposit | ₹50,000 | ₹500 + GST | ₹500 + GST | Up to 90% of FD value |
Why Choose a Credit Card Against FD from ICICI Bank?
ICICI Bank Instant Platinum Credit Card comes with no joining or annual fee and a credit limit of up to 90% of the FD value as per relevant limits. The application can be started online, and the underlying FD keeps earning interest at applicable rates of up to 6.50% p.a. for the general public and 7.10% p.a. for senior citizens. Choosing a credit card against FD allows you to build credit and enjoy instant liquidity without sacrificing your investment growth.
Eligibility Criteria for ICICI Bank FD-Backed Credit Card
Eligibility for an ICICI Bank FD-backed credit card depends on the applicant, FD ownership and deposit conditions. Given below are the key requirements for the credit card against FD:
- FD Ownership: The ICICI Bank FD that is eligible should be in the name of the applicant only.
- FD Length: FD should be for a minimum period of 180 days and should be auto-renewed.
- FD Type: Insta Credit Card is available for conventional and cumulative FD modes as per applicable terms and conditions.
- Tax-Saving FD: ICICI Tax-saving FDs are not eligible for the FD-backed credit card facility.
- Residency: The facility is normally offered to qualifying resident applicants. Coral FD-backed cards do not cover NRE and ICICI NRO FDs.
- Income Evidence: No income evidence is required for the secured FD-backed facility, subject to applicable eligibility and KYC criteria.
Documents Required
All applicants need to submit the basic KYC and FD-related documents to process an ICICI Bank credit card against FD. The commonly required documents include:
- PAN card
- Aadhaar or other accepted identity and address proof
- Passport-size photograph, where applicable
- Original Fixed Deposit Receipt for an existing FD
- KYC documents required for opening the FD and processing the card application
How to Apply for an ICICI Bank Fixed Deposit Credit Card
Eligible customers can apply for an FD-backed credit card using ICICI Bank’s iMobile app or Net Banking facility. The card can also be applied for at an ICICI Bank branch.
Online Method
You can apply for an ICICI Bank Fixed Deposit Credit Card on the iMobile app or through Internet Banking.
- Log in: Log in to your internet or mobile banking dashboard.
- Open an FD: Now book a fixed deposit that fulfils the minimum amount and tenure requirements.
- Select the Card: Select the eligible FD-backed credit card variant.
- Fill in the application: Add the required details and fill in the form.
- Submit: Submit the application to complete the activation process.
- Activate and Use: Now, after activation, you can use your card.
Offline Method
Also, you can apply at any nearby branch by completing the steps below:
- ICICI Bank Branch: Go to your nearest branch and ask them for the FD-backed credit card.
- Open FD: Open a Fixed Deposit as per the Bank’s rules.
- Credit Card Form: Fill out the credit card form with your personal and deposit info.
- Upload KYC Document: Complete the required KYC and FD-related formalities, if applicable.
- Verification: Bank validates your application and FD data.
- Card Issuance: After verification, your card is issued.
FAQs
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What is the minimum FD amount for an ICICI Bank credit card?
The current FD-backed credit card facility requires a minimum FD of ₹50,000. ICICI Bank’s dedicated FD Credit Card page currently lists the Instant Platinum Credit Card and Coral Credit Card. -
What percentage of FD is given as ICICI Bank credit card limit?
The maximum can be up to 90% of the eligible fixed deposit value. For example, an FD of ₹1 lakh can give a credit limit of ₹90,000 at the most. The final limit is subject to the card and FD terms and conditions of ICICI Bank, as applicable. -
What ICICI Bank credit cards are offered against an FD?
ICICI Bank has two versions of FD-backed cards: Instant Platinum Credit Card and Coral Credit Card Against Fixed Deposit, subject to applicable terms. The minimum FD is ₹50,000 for both versions. The credit limit might be up to 90% of the FD. -
What are the joining and annual fees for ICICI Bank FD-backed cards?
Instant Platinum Credit Card comes with no yearly or joining charge and can be obtained against a minimum FD of ₹50,000. Coral charges a joining fee of ₹500 + GST and an annual membership fee of ₹500 + GST. -
What is the minimum FD tenure for an ICICI Bank FD-backed credit card?
The minimum FD tenure for the applicable ‘Insta Credit Card’ facility is 180 days. ICICI Bank also specifies that the FD should be maintained under auto-renewal mode. These requirements apply subject to the conditions governing the selected credit card and fixed deposit. -
How much interest does the ICICI Bank FD earn?
The FD continues to earn applicable ICICI Bank FD interest after being linked to the credit card. Current FD rates can go up to 6.50% p.a. for general citizens and 7.10% p.a. for senior citizens, depending on the selected FD tenure and applicable rate. -
Which ICICI Bank FD-backed credit card has zero annual fees?
Instant Platinum Credit Card does not have any joining or annual fees. It requires a minimum ₹50,000 FD and offers a credit limit of up to 90% of the FD amount. The card remains subject to ICICI Bank’s applicable eligibility and FD conditions.
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10 Feb 2026
Fixed deposit (FD) interest rates in India currently range from*All savings are provided by the insurer as per the IRDAI approved
insurance plan. Standard T&C Apply
+ Trad plans with a premium above 5 lakhs would be taxed as per
applicable tax slabs post 31st march 2023
#Discount offered by insurance company
##The Guaranteed Returns are dependent on the policy term and premium term availed along with other variable factors. 7.4% rate of return is for an 18-year-old, healthy male for a policy term of 20 years and a premium term of 10 years with ₹5,00,000 annually installment premium. All plans listed here are from insurance companies’ funds.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar Insurance Brokers Private Limited does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in