Looking for an FD backed credit card to build my CIBIL score

21 M Student. I’m looking for an FD-backed credit card mainly to start building my CIBIL score.

I already have a Kotak Super account, so I’m getting the 5% cashback there.

I do have quite a few miscellaneous UPI payments, so I’m leaning towards a RuPay credit card that I can use for UPI transactions.

I was initially considering the SuperMoney credit card, but one of my friends has it and after looking at the current rewards structure, I don’t think it’s that great anymore.

Right now, I’m considering the IDFC Quantum+ but I’m a little confused about whether it’s worth getting.

I can comfortably put around ₹10k in an FD for the card.

One thing I’ve read on a few posts is that if you take an FD-backed credit card from a bank, that bank may not offer you a good unsecured credit card later. Is there any truth to this?

Would appreciate any suggestions or experiences with FD-backed cards. 🙏