The primary difference is that you need to open a Fixed Deposit to get a secured Credit Card. Think of it as a security deposit. You’ll earn up to 7.40% p.a. interest on your FD.

To get an unsecured Credit Card, you don’t need to open a Fixed Deposit. All you need to have is a good credit score and a healthy credit history.

If you’re new to the world of credit and don’t have a credit score, you can get your hands on the SimpliFi Credit Card issued by our partner, Federal Bank through the Fi app.

Fi partners with the best to secure your money

ISO 27001:2013

Our partner bank hosts your Savings Account and follows all security standards per applicable regulations.

Your money is always safe with our banking partner - Federal Bank, is covered under the Deposit Insurance and Credit Guarantee Corporation Scheme. This insures your money up to ₹5 lakh.

Fi itself is not a bank and doesn’t hold or claim to have a banking license.

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Fi is a money management platform that re-imagines the banking experience in India. The Federal Bank Account offered through our App, is a digital bank account that gives you the fastest way to open a bank account online.

You can do everything from the Fi App, including p2p payments, fund transfers, bill payments, and more, with features to automate every action. You also get a Debit Card, spends insights and tools to grow your investment and earn rewards.

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