ICICI Bank Credit Card Against FD

Key Highlights of ICICI Bank Credit Card Against FD

The key details of a credit card against FD, including minimum FD requirements, credit limits, fees and other applicable features, are summarised below.

*Card term updated and last verified as on 26 August 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.

Why Choose a Credit Card Against FD from the 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.

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: 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 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 fulfills the minimum amount and tenure requirements.
• Select the Card: Select the eligible FD-backed credit card variant.
• Fill in Application: Add the details required 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 nearest branch by completing the steps following below:

• ICICI Bank Branch: Go to your nearest branch and ask them for the FD backed credit card.
• Open FD: Open 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.