FD Credit Card Kya Hota Hai? (What is an FD Credit Card?)
FD Credit Card ek aisa credit card hota hai jo aapke Fixed Deposit (FD) par based hota hai. Iska matlab hai ki aap apni Fixed Deposit ko collateral ke roop mein rakhte hain, aur uske against aapko credit limit milti hai. Yeh ek secured credit card hai, jisme aapke FD amount ke hisaab se aapko credit limit di jaati hai.
FD Credit Card Ka Matlab Kya Hota Hai?
FD Credit Card ka matlab hai ki aap apni Fixed Deposit ko as security deposit bank ke paas rakhte hain, aur uske badle mein aapko credit card ki facility milti hai. Ismein FD ki amount aapke credit card ka limit determine karti hai. FD Credit Card ko aap as a normal credit card use kar sakte hain, lekin kyunki yeh secured hota hai, isme default hone ka risk kam hota hai.
FD Credit Card Ke Fayde (Benefits of FD Credit Card)
- Easy to Get: FD Credit Card ko lena kaafi asaan hota hai, kyunki yeh secured credit card hai. Agar aapke paas fixed deposit hai, toh aap asani se is card ke liye apply kar sakte hain.
- Credit Building: Yeh card aapko apna credit score improve karne ka mauka deta hai, jo ki unsecured credit cards se thoda better ho sakta hai, kyunki yeh secured hota hai.
- Low Risk for Lenders: Iss type ka card lenders ke liye kam risk wala hota hai, kyunki FD ko collateral ke roop mein rakha jaata hai. Isliye, yeh card unlogon ke liye achha option hai jinka credit score thoda kam ho.
- Low-Interest Rates: FD Credit Cards par interest rate kaafi low hoti hai, kyunki aapka FD amount collateral ke roop mein hota hai.
- Emergency Cash: Agar aapko urgent cash ki zarurat hai, toh FD Credit Card aapko cash advance facility bhi deta hai, jo ki aapke FD limit ke according hoti hai.
FD Credit Card Ke Nuksan (Disadvantages of FD Credit Card)
- Low Credit Limit: FD Credit Card ka credit limit aapke Fixed Deposit amount ke equivalent hota hai. Isliye agar aapki FD ki amount kam hai, toh aapko low credit limit milega.
- Risk to FD: Agar aap apna credit card bill time par nahi bharte, toh aapka FD collateral ke roop mein use ho sakta hai. Matlab, aapka FD amount risk mein ho sakta hai.
- Charges on Default: Agar aap credit card ka payment time par nahi karte, toh penalty aur late fees lag sakti hain, jo aapke FD amount ko affect kar sakti hai.
FD Credit Card Ka Interest Rate Kya Hota Hai? (Interest Rate on FD Credit Cards)
FD Credit Cards par interest rate generally low hoti hai, lekin yeh bank ke terms and conditions par depend karti hai. Interest rate range 1.5% se 3% per month ho sakti hai, jo ki unsecured credit cards se kaafi kam hota hai. Aapko apne bank ke terms padhke hi apna FD Credit Card lena chahiye, taki aapko best rate mil sake.
FD Credit Card Ke Charges Kya Hote Hain? (FD Credit Card Charges)
- Annual Fees: Kuch banks FD Credit Card par annual fees charge karte hain. Yeh fee vary kar sakti hai bank ke hisaab se.
- Late Payment Charges: Agar aap apne FD Credit Card ka bill time par nahi bharte, toh late payment fee lag sakti hai. Yeh fee usually 300-500 INR tak ho sakti hai.
- Cash Withdrawal Fees: FD Credit Card se cash withdrawal par bhi charges lagte hain, jo ki 2-3% ke beech ho sakte hain.
- Foreign Transaction Fees: Agar aap FD Credit Card ka use foreign transactions ke liye karte hain, toh aapko foreign exchange charges dene padte hain.
Sabse Achha FD Credit Card Kaun Sa Hai? (Best FD Credit Card in India)
India mein kai banks FD Credit Cards offer karte hain, jisme se kuch popular options hain:
- SBI FD Credit Card
SBI ka FD Credit Card kaafi reliable hai. Iska interest rate competitive hai aur low processing fees hoti hai. Agar aapke paas SBI mein FD hai, toh yeh card le sakte hain. - ICICI Bank FD Credit Card
ICICI ka FD Credit Card bhi kaafi popular hai. Yeh card aapko reward points aur cashback benefits deta hai. Iska credit limit aapke FD amount ke according hota hai. - HDFC FD Credit Card
HDFC ka FD Credit Card bhi achha option hai. Ismein aapko low-interest rates aur flexible repayment options milte hain.
FD Credit Card Kya Hoti Hai Limit? (What is the Limit on FD Credit Card?)
FD Credit Card ki limit aapke Fixed Deposit amount par depend karti hai. Generally, aapko apni FD ke 80-90% tak ki limit mil sakti hai. Agar aapne 1 lakh ki FD rakhi hai, toh aapko 80,000 INR tak ka credit limit mil sakta hai. Yeh limit bank ki policy ke according thodi vary kar sakti hai.
FD Credit Card Mein FD Ki Rashi Kya Hoti Hai? (What is the Amount of FD in FD Credit Cards?)
FD Credit Card mein aapki Fixed Deposit ki rashi hi aapka credit limit tay karti hai. Isliye, aapko apni FD amount ko dhyan mein rakhte hue credit card ki limit milti hai. Agar aap apni FD amount ko badhate hain, toh aapka credit limit bhi badh sakta hai.
FD Credit Card Mein FD Kitni Saal Ki Hoti Hai? (How Long Should FD Be for FD Credit Card?)
FD Credit Card lene ke liye aapko minimum FD tenure usually 6 months se 1 saal ka hona chahiye. Banks alag-alag terms rakhte hain, lekin aapko FD ko ek certain period ke liye maintain karna hota hai.
Also Read – Credit Card Kya Hota Hai In Hindi