New Delhi, March 30 -- If you do not have a steady income or a reasonably long credit history, securing a new credit card can be challenging. To address such situations, lending institutions offer individuals FD-backed credit cards.

These credit cards are also known as secure credit cards. They offer individuals practical solutions by permitting them to leverage their fixed deposits (FDs) to avail credit. Still, the question remains: are such credit cards worth it?

This write-up discusses these fundamental concepts, how these credit cards work, and the top options available in 2026.

FD-backed credit cards are secured credit cards issued against pledged fixed deposits with a financial institution. In such cases, FD acts as collateral, g...