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Hey @NIYOCOMM20241022WYIS
We tried calling you but unfortunately couldn’t connect. Let us help clarify your queries regarding Fixed Deposit credit card usage:
Credit Limit:
Your credit card limit is 100% of your FD amount, with a maximum limit of ₹25 Lakhs. Even if you create FDs worth more than ₹25 Lakhs, your credit limit will not exceed ₹25 Lakhs.
FD Creation:
Yes, you can continue to create new FDs even if you already have an existing one. Each FD can contribute toward your total credit limit (subject to the ₹25L limit).
Bill Payment & Withdrawal:
Since this is an FD-backed credit card, it is essential to pay your bill on time after it gets generated to avoid late payment charges.
If you wish to clear your dues using your FD:
- First, please manually pay 10% of the outstanding bill.
- Then, you can request for FD closure.
- The bank will use your FD balance to settle the remaining dues.
New Cycle of FDs:
Absolutely! Once you’ve cleared your dues and closed the old FD, you can start a new cycle of FD creation and enjoy the same credit benefits again.
We hope this clears things up! 
If you need any more assistance, feel free to message us. We’re always here to help! 
