<h1>UPI-enabled credit access via a fixed deposit-backed virtual card expands secured credit with instant issuance and cashback rewards.</h1> A fixed deposit-backed virtual credit card offering instant online issuance and UPI-enabled credit access, linking credit availability to a pledged fixed deposit created during application. The card permits immediate UPI transactions across widespread merchant acceptance, provides tiered cashback rewards (higher via the issuer's app and reduced rates elsewhere), a promotional full cashback on a first UPI transaction for new users, advertised interest on the linked deposit, and bundled consumer protections.