Confusion Regarding Credit Card

[m6686570]

Hey, I want Help from from you regarding choosing my credit card
Current situation - My credit Score is Bad due to some situation so want to have a secured credit card
limit requirement - ₹1 Lakh
Annual Charges - Not more than ₹1000 or ₹1500 i don't want a expensive one.

Usage :-I will use this to buy only products like i Smartphone, Laptops etc etc big purchases like this most of the times other wise some times shopping
but as you know for this ₹1 Lakh Limit i will need to have a FD of ₹1,20,000 i guess idk exactly, so my concerns are
lets say i want to buy a laptop of ₹1,10,000 from amazon as I'm getting a Deal how can i??? Do Banks increase limit temporarily on secured Credit cards too ?
and actually the main problem is Amazon also doesn't allow extra amount payment from other mode like gift card etc
as it is written on their site -
Note: Gifts & Credit balance cannot be combined with UPI, credit/debit card, net banking, EMI or Pay on Delivery (POD) options
on the other hand Flipkart Allows this.
what i want from you ? -
Is their any way to buy if the amount is greater than limit ?
Also suggest me some of the best credit card for this from major banks like SBI and HDFC etc .

 

[krishna1718]

If you want to have 1 lakh limit fd card my suggestion
1) lifetime - icici insta platinum
2) Millenia FD basis - rs 1000+ gst
These two cards have more instant discount and sale offers
You need to make 115000 fd then you will get 1 lakh limit (90%) you can go higher if you wish more limit
You can choose overdraft facility so you can use 10-15 % more than your limit but has over limit charges so better go with higher fd

No bank increased limit for fd card only kotak dream different fd card has given such offer