Rupicard
Build Your
CIBIL Score
with Rupicard
India’s #1 secured credit card with
the benefits of Fixed Deposit (FD)
Earn Interest on Fixed Deposit (FD)
Earn Cashback in Digital Gold 
Choose Your Own Credit Limit

Banking partner

Banking partner

Payment partner

Payment partner

no joining fee

no joining fee

no joining fee

no joining fee

no joining fee

no joining fee

no joining fee

no joining fee

no joining fee

No Credit Score Check

No Credit Score Check

No Credit Score Check

No Credit Score Check

No Credit Score Check

No Credit Score Check

No Credit Score Check

No Credit Score Check

No Credit Score Check

No Income Proof

No Income Proof

No Income Proof

No Income Proof

No Income Proof

No Income Proof

No Income Proof

No Income Proof

No Income Proof

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Increase Your CIBIL Score from
0 to 750+ in 3 Easy Steps
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# 1

Book a Fixed Deposit (FD)

Book your FD with our partner bank via the Rupicard app, and get 90% of your FD amount as credit limit

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# 2

Get Your Rupicard

Get access to your credit card via the app and start using it for monthly spends

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# 3

Repay Bills on Time

Always pay your bills on time — we report payments to credit bureaus helping you build credit over time

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Benefits of
Rupicard
Earn Cashback in <Digital Gold>
Earn Cashback in
Digital Gold

Up to 1% cashback in digital gold. As gold prices rise, cashback value goes up

Earn,<Rewards> on Every Spend
EarnRewards
on Every Spend

Every transaction – big or small – earns you rewards. Enjoy 1-click reward redemption too

45-Day,<FREE> Credit Period
45-DayFREE
Credit Period

Pay your bills at the end of your interest-free credit period

Instant Cash <Withdrawal>
Instant Cash
Withdrawal

Withdraw your entire credit limit from an ATM near you – an easy option during emergency

Why Choose Rupicard?

No Credit Score Needed
No Income Proof
Cashback in Digital Gold
No Joining/Annual Fees
Increase Your Credit Limit
Rupicard
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Others
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rupee safe

Is My FD Safe?

FD booked with RBI-approved bank

FD booked with RBI-approved bank

Earn up to 7% p.a. interest on FD

Earn up to 7% p.a. interest on FD

Close your FD anytime, no lock-in

Close your FD anytime, no lock-in

Your FD is fully insured by RBI up to ₹5 Lakh

Your FD is fully insured by RBI up to ₹5 Lakh

Manage Rupicard on Your Fingertips

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Real-Time Credit Limit

Know how much you can spend with your Rupicard

Real-Time Credit Limit

Track Transactions

Access your transaction history anytime; set a limit to spend wisely

Track Transactions

Complete Control

Block or freeze your card instantly if it is lost or stolen

Complete Control

Rewards Galore

Redeem rewards with ease, anytime

Rewards Galore

A Better Score Can Save You Money

homehome
stressed man

Credit Score:

690

Interest Rate:

10.25%

Total Interest Amount:

₹1,02,500

happpy man

Credit Score:

750

Interest Rate:

9.25%

Total Interest Amount:

₹92,500

stressed man

Credit Score:

690

Interest Rate:

9.4%

Total Interest Amount:

₹4,70,000

happpy man

Credit Score:

750

Interest Rate:

8.9%

Total Interest Amount:

₹4,45,000

A better score could help save you over 10,000 annually on your next car!

Frequently Asked Questions

What is an FD Credit Card?

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An FD credit card is a secured credit card that can be availed against a fixed deposit (FD). It works just like any other normal credit card.

Do I need to book a new FD to get Rupicard?

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Yes, you need to book a new FD. The best part is that getting Rupicard is 100% guaranteed when you book your FD.

Is my FD safe?

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Yes, your fixed deposit is totally safe and secure as it is booked with an RBI-approved bank.

Will I earn interest on my FD?

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Yes, you will earn upto 8% p.a. interest on your FD.

How much credit limit will I get on booking FD?

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Your Rupicard credit card limit will be 90% of your FD amount. The bigger your FD, the higher your credit limit.

Do I need to book an FD every month?

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No, you just need to book an FD once, and your credit limit renews every month.

What is the eligibility for Rupicard FD credit card?

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You just need to be above 18 years of age to apply for Rupicard.

Will I be charged any joining or annual fee?

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No, there will be no joining fees or annual membership fee

Will there be any reward points?

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Yes, you will get earn reward points on every transaction.