India, Sept. 1 -- Key Takeaways

Did you know that India had over 11 crore outstanding credit cards in circulation by September 2025? As more and more people begin their credit journey, FD-backed credit cards have emerged as a convenient way to access credit while keeping the security of a fixed deposit.

These cards are ideal for first-time users, students, young professionals, and those with little or no credit history, as they are issued against a fixed deposit.

Three popular options in the FD credit card category are the Kotak811 Dream Different Credit Card, SBI Unnati Credit Card, and Axis MY ZONE EASY Credit Card. While all three are designed to support users starting their credit journey, their features and benefits differ. A clos...