i am not aware of any other option than credit card if you want a zero cost option.
and if your income is not strong enough, pledge 5k FD to get a card, 99.99% approve like that.

For pledged FD, can withdraw later onot?

sure can...
just that what ever money due from the unpaid balance of amount spend by the card must be repaid before hand

Fd a/c and cc a/c are different.
Depends on what option you selected for the interest to be chanelled to.
Pledged fd is linked to yr cc card. No fd no cc

1tanmee like what MUM said for the interest portion.
if you want to continue using the card, the FD will auto-renew at maturity.
generally speaking, to uplift FD, you will need to cancel the card first.
you should ask bank for details, differ from bank to bank, some allow to you request for credit review after 6/12 mths to undo the pledge, but still let you have the card upon approval.