A credit card used well builds your credit history and earns rewards on money you would spend anyway. We help you choose between cashback, fuel, shopping and travel cards from partner banks, check your eligibility before you apply, and handle the paperwork so the card reaches you without a rejection on your record.
0 – ₹2,999Annual fee
Up to 45 daysInterest free credit
5% – 10%Typical cashback categories
Features
- Lifetime free cards for salaried applicants
- Fuel cards with surcharge waiver for daily commuters and transporters
- Cashback and shopping cards for online spends
- Travel cards with lounge access and air miles
- Secured cards against fixed deposit for new to credit customers
- Business cards with GST invoice and expense tracking
Eligibility
- Age 21 to 65, Indian resident
- Salaried with net income of ₹20,000 per month, or self-employed with ITR of ₹3 lakh
- CIBIL 720 and above for premium cards; secured cards for any score
- Existing card holders can upgrade or add a second bank card
Documents required
- PAN and Aadhaar
- Latest salary slip or ITR
- Address proof if different from Aadhaar
- For secured cards: FD receipt or FD opened with the issuing bank
Rates and limits shown are indicative ranges across our lending partners as of this month and change with lender policy. Your exact offer depends on profile, credit score and the lender's assessment.
Frequently asked
Will a credit card hurt my CIBIL score?
Not if you pay the full statement amount on time and use less than 30 to 40 percent of the limit. Used this way it improves your score.
What is the interest if I pay the minimum due?
Typically 36 to 42 percent per year. Never pay only the minimum for long; convert large spends to EMI or take a personal loan instead.
Which card should I take?
Tell us your top three monthly spends. Fuel, groceries and online shopping each have a card that pays back the most on that category.