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WSJ Article, Did they Lie about Borrower Rates? Yes, Higher rate may be the right choice.
Mortgage rates are cyclical, a roller coaster ride. We’ve seen that firsthand over the last year. Not long ago, the national average 30-year mortgage rate was around 8%. Just a few months ago, it dipped to approximately 5.99%. Today, it’s sitting just under 6.5%. That’s a significant swing in a relatively short period of time. I recently came across a Wall Street Journal article claiming…
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Fax Loan Documents from iPhone
In the fast-paced world of finance, the ability to send loan documents quickly and securely is essential. Whether you’re dealing with a mortgage, car loan, or personal loan, the ability to fax documents directly from your iPhone can significantly streamline the process. This blog will explore how you can efficiently fax loan documents from your iPhone, ensuring a smooth and secure transaction…
The Mega-List: 25+ Best FD-Backed Credit Cards in India (Late 2025 Edition)
🔓 The Mega-List: 25+ Best FD-Backed Credit Cards in India (Late 2025 Edition)
Subtitle: From Super.Money to IDFC WOW—The ultimate guide to building a 750+ Credit Score without income proof.
Are you tired of rejected credit card applications? Whether you are a student, a freelancer, a homemaker, or someone recovering from a bad credit history, the banking world has a secret backdoor for you: The Fixed Deposit (FD) Backed Credit Card.
These cards are not just "dummy" cards. They offer lounge access, metal form factors, UPI cashback, and zero forex fees. The best part? Approval is 100% guaranteed because your FD acts as security.
Below is the most extensive list on the internet, covering over 25 cards available right now.
🚀 The "Gen-Z Fintech" Collection (Modern, App-First, High Rewards)
These cards are digital-first, often issued by SBM Bank (State Bank of Mauritius) or other fintech partners. They are famous for their slick apps and unique rewards.
1. Supercard by super.money
Why it's hot: The "UPI First" credit card.
Best Feature: Offers up to 5% Cashback on everyday UPI transactions when linked to the super.money app.
Min FD: ₹5,000.
2. ZET Magnet Credit Card
Why it's hot: Designed for gig workers and financial affiliates.
Best Feature: Works seamlessly with the ZET app to track earnings and spends.
Min FD: ₹5,000.
3. SBM Rupicard Credit Card
Why it's hot: A dedicated credit-builder card.
Best Feature: Very high approval rate for those with "thin" credit files.
Min FD: ₹5,000.
4. SBM Kredit.Pe Card
Why it's hot: Integrated heavily with the Kredit.Pe ecosystem.
Best Feature: Instant virtual issuance and cashback on specific bill payments.
Min FD: ₹2,000 - ₹5,000.
5. SBM MobiKwik First RuPay Credit Card
Why it's hot: The wallet-integrated card.
Best Feature: Great for MobiKwik users. It is a RuPay card, meaning you can scan UPI QR codes to pay using your credit limit!
Min FD: ₹5,000.
6. SBM Credilio Secured Credit Card
Why it's hot: Targeted at the digital generation.
Best Feature: "Novio Coins" rewards system that is easy to redeem for digital vouchers.
Min FD: ₹5,000.
7. SBM UNI Card
Why it's hot: From the makers of the famous 1/3rd Card.
Best Feature: While the "Pay in 3" model has evolved, the secured UNI card offers one of the smoothest app interfaces in the industry.
Min FD: Check app for current tier.
8. SBM OneCard Credit Card
Why it's hot: The Metal Card.
Best Feature: If your FD is high enough (usually ₹50k+), you get a heavy metal card that looks incredibly premium. The app offers the best spend analysis in India.
Min FD: ₹5,000 (Plastic variant) / ₹50,000 (Metal variant).
9. SBM GILD Credit Card
Why it's hot: The Asset-Backed Card.
Best Feature: A unique proposition where your credit is backed by Digital Gold or FD. It screams luxury.
Min FD: ₹10,000+.
10. Niyo SBM Global Credit Card
Why it's hot: The Traveler's Best Friend.
Best Feature: Zero Forex Markup. You can load INR and spend in USD/EUR/GBP without paying the standard 3.5% conversion fee.
Min FD: ₹5,000.
🏆 The "IDFC FIRST" Powerhouse (Travel & Lifestyle)
IDFC FIRST Bank has revolutionized the secured card market with "No T&C" features.
11. IDFC FIRST WOW! Credit Card
The King of FD Cards.
Features: Zero Forex Fee, 4x Rewards on every spend, and up to 7% interest on your FD.
Min FD: ₹2,000 - ₹10,000.
12. IDFC FIRST EA₹N Credit Card
The UPI Specialist.
Features: This is a Virtual RuPay card designed specifically for UPI payments. It focuses on cashback for small, daily digital transactions.
Min FD: ₹5,000.
🏛️ The "Big Bank" Titans (Reliability & Trust)
These cards come from India's largest banking institutions. Excellent for building a long-term relationship with a major bank.
13. Kotak 811 #DreamDifferent Credit Card
Best For: Kotak 811 Account holders.
Features: Lifetime Free. 90% credit limit of your FD. Simple and effective for credit building.
Min FD: ₹10,000.
14. ICICI Bank Instant Platinum Credit Card
Best For: Emergency credit.
Features: Issued instantly via NetBanking. It's a "Gemstone" collection card, making it easier to upgrade to Amazon Pay ICICI later.
Min FD: ₹50,000.
15. SBI Unnati Credit Card
Best For: Total safety.
Features: Issued by India's largest public bank. No annual fee for the first 4 years.
Min FD: ₹25,000.
16. Axis Bank Insta Easy Credit Card
Best For: Axis account holders.
Features: guaranteed approval. You can withdraw up to 100% of your credit limit (unheard of in other cards).
Min FD: ₹20,000.
17. Bank of Baroda Prime Credit Card
Best For: Public Sector reliability with private sector features.
Features: 1% Fuel Surcharge waiver and decent reward points.
Min FD: ₹15,000.
18. PNB FD Credit Card (PNB One App)
Best For: Punjab National Bank loyalists.
Features: Available via the PNB One App. Offers RuPay variants for UPI integration.
Min FD: Varies (approx ₹10,000+).
19. Union Bank of India Secured Card
Best For: Low interest rates.
Features: Union Bank offers cards against FD with very competitive interest rates on revolving credit.
Min FD: ₹25,000.
20. Standard Chartered Platinum Rewards (Secured)
Best For: Premium dining.
Features: Access to the "Good Life" dining program even on a secured card.
Min FD: Contact branch (usually ₹50,000+).
💎 The "Rewards & Lifestyle" Specialists
Secured cards that don't feel like secured cards.
21. Tata Neu Plus HDFC Bank Credit Card (Secured)
The Shopper's Dream.
Features: Earn 2% - 5% back as NeuCoins on BigBasket, Croma, and Tata apps. It's a RuPay card, so it works with UPI.
Min FD: ₹15,000 (via Neu App/HDFC NetBanking).
22. AU Nomo Credit Card
The Lounge Access Hack.
Features: One of the few secured cards offering Airport Lounge Access. Also features low forex markup.
Min FD: ₹20,000.
23. Paisabazaar Step Up Credit Card
The Credit Builder.
Features: Specifically built with an algorithm to help you "Step Up" your CIBIL score faster.
Min FD: ₹2,000.
24. Suryoday SF Bank RuPay Platinum
The Hidden Gem.
Features: Often offered via platforms like "Stable Money". It's a RuPay Platinum card offering network-specific benefits.
Min FD: ₹5,000.
25. HDFC MoneyBack+ (Secured Variant)
The Entry Level HDFC.
Features: If you don't qualify for Tata Neu, HDFC often offers the MoneyBack+ against an FD. Great for 10X CashPoints on Amazon/Flipkart.
Min FD: ₹15,000+.
📊 Quick Comparison Table (Top Picks)
Card Name Type Best For Min FD (Approx) IDFC FIRST WOW Visa Infinite Travel (0% Forex) ₹5,000 Super.money RuPay UPI Cashback ₹5,000 SBM OneCard Visa Metal Premium Feel ₹50,000 Tata Neu Plus RuPay Shopping Rewards ₹15,000 SBI Unnati Visa Safety/Trust ₹25,000 AU Nomo RuPay Lounge Access ₹20,000
💡 Pro Tip for Success
When you take one of these cards, do not touch the Fixed Deposit. Let it sit there earning interest. Use the credit card for your daily expenses and pay the full bill on the due date.
Doing this for 6 months will likely boost your CIBIL score above 750, qualifying you for "Unsecured" (no FD required) cards with even higher limits!
🎯 Key Takeaways
FD-backed cards guarantee approval - Perfect for students, freelancers, or anyone with limited credit history
Premium features at low FD amounts - Get lounge access, cashback, and zero forex fees starting from just ₹5,000
Credit score building - Consistent usage and full payment can boost your CIBIL to 750+ in 6 months
Modern fintech options - SBM-backed cards offer app-first experiences with UPI integration
Big bank reliability - IDFC, SBI, and ICICI options provide trust and long-term banking relationships
Disclaimer: Card features, minimum FD amounts, and banking partners (especially for SBM co-branded cards) are subject to regulatory changes. Always check the official app or website for the latest Key Fact Statement (KFS) before applying.
Your First Home, Simplified: A Practical Guide for Aussie Buyers in 2025
🏡 Your First Home, Simplified: A Practical Guide for Aussie Buyers in 2025 ✨ Written by David F. Chae – CFO & Founder, Loans AU | The Aussie Lending Lounge Introduction: Why 2025 Matters for First-Home Buyers 🌟 Buying your first home in Australia is a major life milestone. It’s exciting, emotional, and often overwhelming. In 2025, the market is moving faster than ever – with changing interest…
💰 How Much Home Can You Really Afford? 🏡.
Buying a home is one of the biggest financial decisions you’ll ever make — and understanding how much you can afford is key before falling in love with that dream property. When you apply for a mortgage, the lender digs deep — your income, savings, debts, and even your financial history come under the microscope. It might feel invasive, but remember: they’re assessing how safely you can handle…
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Breaking Barriers: How Australia’s 5% Deposit Scheme is Opening Doors for First Home Buyers
Breaking Barriers: How Australia’s 5% Deposit Scheme is Opening Doors for First Home Buyers The Aussie Lending Lounge by Loans AU Written by David – CFO, Loans AU Introduction For many Australians, the biggest hurdle to buying a first home isn’t the dream itself—it’s the deposit. The Australian Government has now supercharged its First Home Buyer Guarantee Scheme, allowing eligible buyers to…
Beyond the Banks: Why Choosing the Right Broker Matters for Your Financial Future
Beyond the Banks: Why Choosing the Right Broker Matters for Your Financial Future By David – The Aussie Lending Lounge, Loans AU Part 1: Introduction & The Changing Landscape of Lending When it comes to money and property in Australia, the decisions you make about finance are some of the most important of your life. Buying your first home, refinancing to save interest, or building a property…
Why Getting Business Capital Is So Hard – And What You Can Do About It
Starting or scaling a business takes more than just a great idea. It takes grit, strategy, and most of all-capital. But for many entrepreneurs, securing that capital can feel like an uphill battle. Whether you’re applying for a loan, pitching to investors, or bootstrapping with credit cards and savings, getting the money you need often proves much harder than expected. So, why exactly is it so…
