very common for first time applicants to need to pledge FD unless you have a loan with that particular bank before.

If one bank rejects your application, i can say 90% all the other banks will also reject your application regardless of how much you earn especially if you dont have any FD.

however once you got your first card, and using it for a few months... the rest will come. Some even mailed into your mailbox without you applying and you will have to go cancel them one by one.