November 27, 2025 · 9 mins read
Santosh Kumar
There’s no doubt that strengthening your financial foundation is one of, if not the most, important things a young adult can do. For students and new professionals, this usually starts with learning to deal with credit. But it’s hard to get a plain ol’ unsecured credit card when you have no credit. Banks generally need evidence of income, steady employment, and decent credit to approve a candidate.
This is where an FD-linked credit card from ZET makes a great point of entry. It provides young adults with a convenient, secure, and easy means of entering the financial world while reaping the rewards of a new-age credit offering. Even more importantly, it aids them in establishing a strong credit score from the get-go.
Most college students and young professionals find that acquiring a standard credit card is tougher than anticipated. Without a credit score, lenders consider applicants risky. Even if you do get approved, the credit limit is typically small, and the fees can be steep. Young applicants might also struggle with minimum income thresholds.
It’s a vicious cycle you need credit to establish credit, but you can’t get credit without it. ZET’s FD-linked credit card aims to disrupt this cycle. It provides a credit line backed by a fixed deposit, which makes your profile safe for the bank and allows you to build your own credit score.
An FD-linked credit card is given on a fixed deposit. You make an FD with the partner bank, and the bank issues you a credit card with a limit that is a function of the deposit. Because the bank has FD security, it doesn’t depend completely on your income proof or credit score.
For students and new jobholders who don’t necessarily qualify through traditional means, this is an easy method to obtain a credit card and have full control over how much they’re comfortable depositing.
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Although several banks already provide secured credit cards, ZET’s card has been customized to young adult needs. It mixes easy, clear and new digital elements that strip the scariness out of credit products.
Here’s why it’s a perfect pick for the beginner.
One of the highest hurdles for new credit card holders is getting approved. Income slips, bank statements, and credit history checks can be daunting. ZET removes these hurdles. FD-linked card approval is easy, as the FD serves as collateral.
Students, interns, freelancers, and new employees without high salaries can easily apply. For the most part, it only requires a simple KYC check, which helps keep things streamlined and hassle-free.
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ZET knows young adults are on a budget. Instead of requiring a hefty FD, they enable flexible FD amounts so even beginners can pick a figure that is comfortable to them.
That makes it secure since the credit limit is backed by your FD. You never feel forced to spend beyond your means or juggle a credit limit that feels too high.
A good credit score is a huge factor later on in life. negarte Whether you want a car loan, an education loan, or later a home loan, lenders depend a lot on your credit history.
ZET’s FD-linked card provides novices a defined path to begin crafting that history. Each timely payment is reported to credit bureaus. Within a few months, you’ll start to see a green score developing. Because your spending and repayment habits mold your score, this card offers a simple, responsible way to build a history that will benefit you down the road.
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A typical concern for the newbie credit user is becoming indebted. With typical unsecured credit cards, it’s easy to want to spend the limit without appreciating the repayment cycle.
ZET’s FD-backed card helps young users set healthy boundaries. As the credit limit is linked to the FD amount, you continue to have control over how much you can spend. This inherently promotes responsible consumption and teaches you to develop good financial skills without the danger of generating unsustainable debt.
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Using the card prudently for a year or two lets you prove financial responsibility. This provides banks with assurance that you can manage bigger credit lines prudently. Consequently, you’ll be eligible for unsecured credit cards, loans, or higher-limit products more frequently down the road. For young professionals who are soon going to be shopping for milestones like a car or an apartment, this favorable credit history is a huge asset.
A lot of young adults use their parents’ credit cards or resort to additional cards. And although it’s convenient, this doesn’t build credit history for the student or young professional.
ZET’s FD-linked card allows you total freedom. You establish your own credit profile independent of someone else’s credit history. It’s an empowering first footstep into adult money management.
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ZET’s card offers are enriched with cashback, discounts, and points on categories favored by young users. Be it food delivery, e-commerce, travel, or subscriptions, the rewards offset the cost of everyday spending.
Instead of paying cash or with a debit card, a newbie can pay with a credit card for necessary purchases and then pay it off during the billing cycle. This maintains activity, contributes to credit building, and rewards along the way.
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One of the great things about an FD-linked credit card is that your deposit continues to accrue interest. Even as you swipe the credit card, the FD matures silently in the background. This feels safe in terms of finances, as the deposit remains your money. If you utilize the card correctly, you, in essence, establish your credit for free and earn interest on your deposit.
Most freshmen are afraid to have credit cards due to yearly fees. ZET also tends to keep these fees low or may even waive them for usage. Because the FD lowers the bank’s risk, fees remain reasonable. For a student or a new hire, this removes pointless stress and renders the card significantly more appealing than conventional credit cards.
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Credit cards have billing dates, interest cycles, minimum payments, and credit utilisation. ZET’s app design, reminders, and monitoring features streamline these ideas. Young adults get to learn fiscal discipline the hard way.
By the time they move into mid-career roles or bigger budgets, they already have the experience to handle credit like a pro.
New credit users fret about managing emergencies. Be it a medical need, emergency travel, or a last-minute purchase, a card can come in handy immediately. An FD-linked card is perfect as it makes sure you have funds right when you need them. By virtue of the pre-decided credit limit, you have peace of mind that you can depend on the card without receiving denial or surprise fees.
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Folks also assume that secured credit cards are limited. In practice, ZET’s FD-linked card behaves like any other contemporary credit card. You may also use it online, offline, and internationally, based on your bank’s capabilities. It’s no more convenient or accepted. But the difference is that your FD guards your credit limit.
Having an FD-linked credit card from early on in your financial life can be rewarding. A strong credit history dating back to your student or young professional days can land you more favorable interest rates on future loans. It can back your rental applications, insurance premiums, or even visas in some instances.
Because ZET emphasizes novices, the experience overall is nurturing rather than scary — perfect for people managing money for the first time.
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No. FD is attached to your credit card just for the period of card use. And when you close the card, you can get your FD amount back with interest, based on the bank's terms.
Yes. Each timely payment is reported to credit bureaus, enabling you to build up solid credit from scratch.
You can incur late fees and damage your credit score. But your FD is safe unless you don’t pay for a long time, whereupon the bank can encash a portion of it to recover dues.
Yes. And because the card is secured by an FD, income proof isn’t always required. This renders it particularly suitable for students and initial credit users.
Yes. And once you establish a good credit history, banks will approve you for unsecured credit cards with higher limits.
Yes. The FD still accrues interest at the bank’s rate.
Like most FD-linked cards, they have low or zero annual fees, and ZET hopes to keep fees cheap for novices.
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