Your credit card will be blocked if you withdraw from your FD. This is because:

  • The FD can only be withdrawn fully (all FDs will get withdrawn) and not partially.

  • The credit limit of your credit card is equal to the total of the FDs (if you withdraw, this will become 0).


The FD withdrawal balance will come to your Niyo (SBM) savings account after deducting any credit card outstanding (if you have any credit card bill due, then the amount will get deducted from FD, and you will get the balance). 

Note: You can create another FD once you receive your refund from the previous FD, re-ordering the credit card will cost you Rs. 249+18% GST. You can withdraw and create new FDs 5 times..