Step Up Credit Card
Build your credit score with guaranteed approval. Get a premium credit card backed by your Fixed Deposit with a credit limit up to 90% of your FD value.
Why Choose Step Up Credit Card?
Perfect for building or rebuilding your credit with zero rejection risk.
100% Approval Against FD
Guaranteed approval when you secure your card with a Fixed Deposit. No credit checks, no rejections.
High Credit Limit
Get up to 90% of your FD amount as credit limit. FD of ₹1 Lakh = ₹90,000 credit limit.
Improve CIBIL Faster
Build positive credit history quickly with regular usage and timely payments reported to credit bureaus.
How It Works
Simple process to get your secured credit card
Open Fixed Deposit
Create a Fixed Deposit with minimum ₹10,000 for any tenure.
Apply for Card
Submit your application online in just 5 minutes.
Instant Approval
Get approved immediately - 100% guaranteed approval.
Receive Card
Get your card delivered within 7 working days.
All Premium Features Included
- Zero annual fee for lifetime
- Worldwide acceptance at 40M+ merchants
- Free add-on cards for family
- Complimentary airport lounge access
- Cashback and reward points
- Fuel surcharge waiver
- 24/7 customer support
- SMS and email transaction alerts
- EMI conversion facility
- Travel and purchase protection
Credit Limit Examples
* Credit limit is 90% of your Fixed Deposit amount
Complete Security & Peace of Mind
Your Fixed Deposit remains secure and continues to earn interest. It's only used as collateral for your credit limit.
Important: Access Your FD Anytime
You can close your FD and surrender your credit card whenever you want. Simply clear any outstanding balance, and we'll release your FD with full interest.
Interest Continues
Your FD continues to earn the agreed interest rate throughout the card tenure.
Frequently Asked Questions
What if I miss a payment?
We'll send multiple reminders. Only in case of default will the FD be adjusted against dues.
Can I increase my credit limit?
Yes! Simply increase your FD amount to get a higher credit limit.
When can I get an unsecured card?
After 12-18 months of good payment history, you may qualify for an upgrade to unsecured card.
Is there any annual fee?
No! The Step Up Credit Card is completely free with zero annual charges.
Start Building Your Credit Today
Get 100% approval and a high credit limit. Perfect for building or rebuilding your credit score.
*Subject to KYC verification and FD creation
What Our Customers Say
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