Best lifetime free Credit Card against FD

[Thor]

I want to have an FD backed credit card. I am ready to create an FD worth Rs 10K. The credit card should have following benefits:

1) There should not be any joining or annual fee.

2) There should be good cashback points offers.

3) I mostly use Zomato, Amazon, Flipkart, and Bookmyshow. So, card should have good offers on these platforms.

Please suggest me a good card. By the way, I have been researching about Zet Magnet credit card, Onecard credit card.

Please suggest if there is some other good card.

 

[TaxWiser]

I want to have an FD backed credit card. I am ready to create an FD worth Rs 10K. The credit card should have following benefits:

1) There should not be any joining or annual fee.

2) There should be good cashback points offers.

3) I mostly use Zomato, Amazon, Flipkart, and Bookmyshow. So, card should have good offers on these platforms.

Please suggest me a good card. By the way, I have been researching about Zet Magnet credit card, Onecard credit card.

Please suggest if there is some other good card.

I personally used One Card CC to improve my father's CIBIL Score as he had ruined his CIBIL by becoming Guaranter in his nephew's loan without talking with me.

All the 3 points you mentioned is covered in it but one thing you must keep in mind that One Card CC don't provide benefit as much like conventional bank CC.

I personally utilize 5%cashback on months first utility bill payment on Cred whenever they offer and uses it on Amazon to get discount.

Based on your requirements, here are a few options as per my AI friend Gemini :
1. Zet Magnet Credit Card:
- No joining or annual fee.
- Good cashback offers: Up to 10% rewards on top brand vouchers including Amazon, Flipkart, and Swiggy.
- FD-backed: Requires a fixed deposit with SBM Bank starting as low as Rs 5,000.

2. OneCard Credit Card:
- No joining or annual fee.
- 5X rewards on your top 2 spend categories, which can include Amazon, Flipkart, and other popular platforms.
- FD-backed: Available through partner banks like Federal Bank, SBM Bank, and others.

3. ICICI Instant Platinum Credit Card: (Best for Amazon Great Indian Sale & Flipkart BBD)
- No joining or annual fee.
- Cashback and rewards: Offers decent rewards on various spends.
- FD-backed: Requires a fixed deposit with ICICI Bank.

4. IDFC FIRST WOW Credit Card (My Preference)
- Lifetime Free Rupay Credit Card (UPI benefits)
- FD Requirement: You need to make a fixed deposit of at least ₹10,000 with IDFC FIRST Bank.

Rewards and Cashback:​

- 4X Reward Points on all spends.​

- 5% Cashback on the first EMI transaction within 30 days of card issuance.​

- Reward Points can be redeemed for purchases at partner merchants and online.​

Special Offers: The card offers exclusive deals and discounts across popular brands, which may include platforms like Zomato, Amazon, Flipkart, and BookMyShow.​

These cards should meet your needs for no fees and good cashback offers on the platforms you frequently use.

Hope this helps

 

[Skylar]

I want to have an FD backed credit card. I am ready to create an FD worth Rs 10K. The credit card should have following benefits:

1) There should not be any joining or annual fee.

2) There should be good cashback points offers.

3) I mostly use Zomato, Amazon, Flipkart, and Bookmyshow. So, card should have good offers on these platforms.

Please suggest me a good card. By the way, I have been researching about Zet Magnet credit card, Onecard credit card.

Please suggest if there is some other good card.

For your extensive list of wishes, only OneCard offers all those features. However, currently, OneCard is not issuing new cards.