Best FD linked credit card

My CIBIL score is low. It is around 700, but I want to take it above 750. Please tell me about the best FD credit card.
I have an account with Kotak Mahindra Bank. Will Kotak Mahindra Bank's FD linked credit card be suitable?
 

Skylar

KF Master
If you are planning to have a FD based one with over 35k then I would suggest OneCard as it has better offline discounts and even online GV can be bought at the best rate.
 

ShavirB

Founder
Staff member
My CIBIL score is low. It is around 700, but I want to take it above 750. Please tell me about the best FD credit card.
I have an account with Kotak Mahindra Bank. Will Kotak Mahindra Bank's FD linked credit card be suitable?
For improving your score, you will have to first understand why it's low. Getting a Credit Card may not be the best move without doing a root cause analysis of your score.
 

zacobite

KF Mentor
My CIBIL score is low. It is around 700, but I want to take it above 750. Please tell me about the best FD credit card.
I have an account with Kotak Mahindra Bank. Will Kotak Mahindra Bank's FD linked credit card be suitable?
WOW card IDFC.. Easiest to get if all other docs are fine
 

AV$

KF Expert
My CIBIL score is low. It is around 700, but I want to take it above 750. Please tell me about the best FD credit card.
I have an account with Kotak Mahindra Bank. Will Kotak Mahindra Bank's FD linked credit card be suitable?
Onecard will be the best. It has multiple brand discounts, gift vouchers which give great valueback on many brands, best example - 5% return on Myntra (which is even better than flipkart axis credit card 😂)
If you spend on atleast 3 categories in a month you'll get 1% return on the top 2 categories.
Also fyi they started upgrading their FD card users to unsecured credit card just this month (though the offer seems to be put on hold due to RBI)

If you have too much money to put in the FD you can consider ICICI card for 10% discounts during sales.

Kotak is the only bank which offers credit limit increase even on FD card so that's a plus point.

Idfc wow credit card is the only FD card which has 0% forex so if you are looking to do international transactions that's where you should look.
 

AV$

KF Expert
Flipkart axis card doesn't give 5% on myntra anymore as Myntra Kotak Card launched and that gives 7.5% instant discount.
Yes that's what I meant that onecard gv gives even better returns than flipkart axis.
7.5% returns can only be matched by buying vouchers through one of those bitcoin reward apps like ANQ & GOSATS (5% off + 2.5% in rewards)
 

AV$

KF Expert
Is it legal?
Tell me more about those
Both the apps are basically gyftr like platform ie providing discounts on gift vouchers

I'm not aware about the legality aspect but cheq had a voucher for GOSATS card at 1:10 conversion ratio (1 cheq chip = ₹10) so I got it 😅

There are two variants of cards Intro & Elite, voucher is for intro card but you can upgrade to elite after paying the difference (₹100)
You have option to choose between bitcoin or digital gold as reward
They give you SATS as reward which has currently value of 60SATS = ₹1 in Bitcoin
You can withdraw after reaching 30000SATS = ₹500

The gold redemption is a bit difficult to achieve so I won't recommend that.
If you want easy redemption in gold rewards try another app ANQ
 

Skylar

KF Master
Both the apps are basically gyftr like platform ie providing discounts on gift vouchers

I'm not aware about the legality aspect but cheq had a voucher for GOSATS card at 1:10 conversion ratio (1 cheq chip = ₹10) so I got it 😅

There are two variants of cards Intro & Elite, voucher is for intro card but you can upgrade to elite after paying the difference (₹100)
You have option to choose between bitcoin or digital gold as reward
They give you SATS as reward which has currently value of 60SATS = ₹1 in Bitcoin
You can withdraw after reaching 30000SATS = ₹500

The gold redemption is a bit difficult to achieve so I won't recommend that.
If you want easy redemption in gold rewards try another app ANQ
Wow, that's sounds amazing have to try it :love:
Thanks for the information 🤩
 
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