Credit Cards
American Express SmartEarn Credit Card
Credit Card Benefits
Earn 10X Membership Rewards Points for every ₹50 spent on Flipkart, Amazon, and Uber.
Earn 5X Membership Rewards Points for every ₹50 spent on Paytm Wallet, Swiggy, BookMyShow, and more!
Get ₹500 Cashback on eligible spends of ₹10,000 in the first 90 days of card membership.
Spend ₹1.20 Lacs in a Card Membership Year and receive a voucher worth ₹500.
Spend ₹1.80 Lacs in a Card Membership Year and receive an additional voucher worth ₹500.
Spend ₹2.40 Lacs in a Card Membership Year and receive another voucher worth ₹500.
Get Renewal Fee Waiver on eligible spends of ₹40,000 and above in the previous year of the card membership.
Fees & Charges
Joining Fees: ₹495 + GST
Annual Fees: ₹495 + GST from the Second Year onwards
Documents Needed
PAN Card/Form 60
Address Proof
ID Proof
Income Proof
Bank Statement
Eligibility Criteria
Existing Credit Card member of any bank
Indian Resident
Employment Status: Salaried or Self-Employed
Salaried: Minimum ₹4.5 Lacs Annually
Self-Employed: Minimum ₹6 Lacs Annually
Age: 21-60 years
Available across major cities in India
How to Apply
Click Here to be redirected to American Express.
Click Login/Join Now and complete OTP verification.
Select American Express Membership Rewards Credit Card and provide the required details.
Submit your application and receive a confirmation SMS upon approval.
American Membership Rewards Credit Card
Credit Card Benefits
- Welcome Gift: Receive 4,000 Bonus Membership Rewards Points upon payment of the joining fee and on spending ₹2,000 within the first 60 days of membership.
- Monthly Bonus: Earn 1,000 Bonus Membership Rewards Points for using your card 4 times on transactions of ₹1,500 or more in a calendar month.
- Annual Fee Waiver:
- Get 100% Annual Fee Waiver on spends over ₹1,50,000 in the preceding membership year.
- Get 50% Annual Fee Waiver on spends over ₹90,000 in the preceding membership year.
- Earn Rewards: Earn 1 Membership Rewards Point for every ₹50 spent, except on Fuel, Insurance, Utilities, Cash Transactions, and EMI conversions at Point of Sale.
- Dining Discount: Enjoy up to 20% discount on dining at select restaurant partners.
- Fuel Convenience Fee Waiver: Benefit from waivers on fuel convenience fees.
- Additional Points: Earn an extra 1,000 Membership Rewards Points by spending ₹20,000 or more in a calendar month.
- First Year Renewal Bonus: Get 5,000 Membership Rewards Points upon First Year Card Renewal, on payment of the annual membership fee. Points will be credited within 90 days of Card Renewal.
Fees & Charges
- Joining Fees: ₹1,000 + GST
- Annual Fees: ₹4,500 + GST
Documents Needed
- PAN Card/Form 60
- Address Proof
- ID Proof
- Income Proof
- Bank Statement
Eligibility Criteria
- Existing Credit Card member of any bank
- Employment Status: Salaried or Self-Employed
- Both Salaried and Self-Employed individuals must have a minimum annual income of ₹6 Lacs
- Age: 21-60 years
- Available across major cities in India
How to Apply
- Click Here to be redirected to American Express.
- Click Login/Join Now and complete the OTP verification.
- Select American Express Membership Rewards Credit Card and provide the required details.
- Submit your application and receive a confirmation SMS upon approval.
AU SwipeUp Platform Credit Card
Upgrade Your Credit Card with SwipeUp!
SwipeUp Platform by AU Small Finance Bank offers a unique opportunity for existing credit cardholders of other banks to upgrade their credit card to an AU Credit Card with enhanced benefits and features.
Features of the Card
- Lifetime Free Credit Card: Enjoy a credit card with no joining or annual fees, exclusively for existing credit cardholders of other banks.
- Upgrade Opportunity: Upgrade any of your existing credit cards from any bank to an AU Credit Card.
- Enhanced Benefits: Benefit from higher reward points, exciting cashbacks, and an increased credit limit compared to your previous credit card.
- Special Features: Access value-added features tailored to your lifestyle and spending patterns.
Fees & Charges
- Lifetime Free Card: No joining, renewal, or annual fees.
- Eligibility: Available only for existing credit card holders of other banks.
How to Apply
- Click Here to be redirected to AU Bank’s website.
- Enter your mobile number and PAN Card number.
- Provide the first 6 digits of your existing credit card from another bank.
- Select the name of the Credit Card variant you wish to apply for.
- Compare your current card with the SwipeUp platform recommendations and submit your application.
SBI IRCTC Credit Card
Benefits
- 350 Activation Bonus Reward Points: Earn these points on your first transaction of ₹500 or more within 45 days of card issuance.
- Up to 10% Rewards: Receive rewards on buying tickets through the IRCTC App and website.
- ₹100 Cashback: Get cashback on your first ATM cash withdrawal within 30 days of receiving the card.
- Earn Rewards: Accumulate 1 Reward Point for every ₹125 spent (1 Reward Point = ₹1).
- 1% Savings: Save on transaction charges for train bookings.
Features of the Card
- IRCTC Ticket Purchases: Earn up to 10% value back as Reward Points on tickets purchased through irctc.co.in & the IRCTC Mobile App (Android only) for AC1, AC2, AC3, and AC CC.
- Reward Points Redemption: Link your IRCTC SBI Card loyalty number with your IRCTC login ID to redeem Reward Points on the IRCTC Website and Mobile App.
- Transaction Charge Savings: Save 1% on railway ticket booking charges on www.irctc.co.in.
- Complimentary Lounge Access: Enjoy 4 complimentary railway lounge accesses per year in India (maximum 1 per quarter).
- Fuel Charge Waiver: Get a 1% waiver on fuel charges.
Fees & Charges
- Joining Fees: ₹500 + GST
- Annual Fees: ₹300 + GST
Documents Needed
- ID Proof
- Address Proof
- Income Proof
- Valid PAN Card
Eligibility Criteria
- Age: 21-65 years
- Employment Status: Salaried or Self-Employed
- Minimum Income: ₹30,000 per month
- Credit Score: 650+
- New to Credit: Allowed only for Salaried individuals
- Preferred: Existing credit card holders
- Payment History: No delayed payments in the last 12 months
- Citizenship: Indian or Non-Resident Indian
How to Apply
- Click Here to be redirected to the SBI Bank Credit Cards page.
- Click on Start Apply Journey and provide the required details.
- Submit your application and receive an application number.
- Save the application number for future reference.
- An SBI representative will call you within 2-4 days to complete the fulfillment process.
SBI BPCL Credit Card
Benefits
- 2,000 Activation Bonus Reward Points: Worth ₹500, awarded on payment of the joining fee.
- 4.25% Valueback: Earn 13X Reward Points on fuel purchases at BPCL petrol pumps.
- 3.25% + 1% Fuel Surcharge Waiver: Enjoy this waiver on every BPCL transaction up to ₹4,000.
- 5X Reward Points: Earn 5X Reward Points on every ₹100 spent at groceries, departmental stores, movies, and dining.
- 1 Reward Point for Every ₹100 Spent: Accumulate Reward Points on non-fuel retail purchases.
- 10% Instant Discount: Get this discount with SBI Card during Big E-commerce Sales.
Fees & Charges
- Joining Fees: ₹499 + GST
- Annual Fees: ₹499 + GST from the second year onwards
Documents Needed
- ID Proof
- Address Proof
- Income Proof
- Valid PAN Card/Form 60
Eligibility Criteria
- Age: 23-60 years
- Employment Status: Salaried or Self-Employed
- Minimum Income: ₹30,000 & Above per month
- Credit Score: 650+
- New to Credit: Only for Salaried individuals
- Preferred: Existing credit card holders
- Payment History: No delayed payments in the last 12 months
- Citizenship: Indian Citizens or Non-Resident Indians
How to Apply
- Click Here to be redirected to the SBI Bank Credit Cards page.
- Click on Start Apply Journey and provide the required details.
- Submit your application and receive an application number.
- Save the application number for future reference.
- An SBI representative will call you within 2-4 days to complete the fulfillment process.
SBI Simply Save Credit Card
Discover the Exclusive Benefits of Your SBI Credit Card!
Benefits
- 2000 Bonus Reward Points: Spend ₹2,000 or more in the first 60 days and receive 2,000 Bonus Reward Points.
- Reward Points on Select Categories: Earn 10 Reward Points per ₹150 spent on Dining, Movies, Departmental Stores, and Grocery purchases.
- Annual Fee Waiver: Get the annual fee waived on yearly spends above ₹1 Lakh.
Other Amazing Offers
- 1 Reward Point per ₹150 Spent: Accumulate Reward Points on all other purchases (4 Reward Points = ₹1).
- ₹100 Cashback: Receive cashback on your first ATM cash withdrawal, if done within 30 days of receiving your card.
- 1% Fuel Surcharge Waiver: Get a waiver up to ₹100 per statement cycle on transactions between ₹500 to ₹3,000.
- Add-On Cards: Available for your parents, spouse, children, or siblings above the age of 18.
Fees & Charges
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST from the second year onwards
Documents Needed
- ID Proof
- Address Proof
- Income Proof
- PAN Card/Form 60
Eligibility Criteria
- Employment Status: Salaried or Self-Employed
- Income: ₹30,000 per month and above
- Age: 21-65 years
- Credit Score: 650+
- New to Credit: Allowed only for Salaried individuals
- Preferred: Existing credit card holders
- Payment History: No delayed payments in the last 12 months
- Citizenship: Indian Citizens or Non-Resident Indians
How to Apply
- Click Here to be redirected to the SBI Bank Credit Cards page.
- Click Login/Join Now and provide the required details.
- Submit your application and receive an application number.
- Save the application number for future reference.
SBI Simply Click Credit Card
Unlock Exclusive Benefits with Your SBI Credit Card!
Benefits
- Amazon.in Gift Card: Receive a ₹500 gift card upon payment of the annual fee.
- 10X Reward Points: Earn these points on online spends with exclusive partners like Apollo 24×7, BookMyShow, Cleartrip, Dominos, Eazydiner, Myntra, Netmeds, and Yatra.
- 5X Reward Points: Accumulate these points on all other online spends.
Other Amazing Offers
- e-Vouchers: Get vouchers worth ₹2,000 each upon reaching annual online spends of ₹1 Lakh and ₹2 Lakh respectively.
- 1% Fuel Surcharge Waiver: Enjoy this waiver for each transaction between ₹500 and ₹3,000.
- Annual Fee Waiver: Get the annual fee waived on yearly spends above ₹1 Lakh.
Fees & Charges
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST from the second year onwards
Documents Needed
- ID Proof
- Address Proof
- Income Proof
- PAN Card/Form 60
Eligibility Criteria
- Employment Status: Salaried or Self-Employed
- Income: ₹30,000 per month and above
- Age: 21-65 years
- Credit Score: 650+
- New to Credit: Allowed only for Salaried individuals
- Preferred: Existing credit card holders
- Payment History: No delayed payments in the last 12 months
- Citizenship: Indian Citizens or Non-Resident Indians
How to Apply
- Click on the Orange Button and then Click Here to be redirected to the SBI Bank Credit Cards page.
- Click Login/Join Now and provide the required details.
- Submit your application and receive an application number.
- Save the application number for future reference.
- An SBI representative will call you within 2-4 days to complete the fulfillment process.
SBI Cashback Credit Card
Unlock Exceptional Cashback Rewards with Your SBI Cashback Credit Card!
Benefits
- Exclusive Cashback Privileges: Enjoy maximum value-back on all your spends.
- 5% Cashback on Online Spends: Earn 5% cashback on online transactions, capped at ₹5,000 per month (combined for both online and offline spends).
- 1% Cashback on Offline Spends: Receive 1% cashback on offline transactions.
- Annual Fee Waiver: Get the annual fee waived on annual spends of ₹2,00,000 or more.
Other Amazing Offers
- 1% Fuel Surcharge Waiver: Enjoy a waiver up to ₹100 per statement cycle on transactions between ₹500 and ₹3,000.
- Add-On Cards: Available for your parents, spouse, children, or siblings above the age of 18.
- Global Cash Withdrawals: Withdraw cash from over 1 million VISA ATMs across the globe.
- Auto-Credited Cashback: Cashback will be auto-credited to your SBI Card account within two days of your next statement generation.
Fees & Charges
- Joining Fee: ₹999 + GST
- Annual Fee: Nil for the first year; ₹999 + GST from the second year onwards. Annual fee will be waived on annual spends of ₹2,00,000 or more.
Documents Needed
- ID Proof
- Address Proof
- Income Proof
- PAN Card/Form 60
Eligibility Criteria
- Employment Status: Salaried or Self-Employed
- Income: ₹30,000 per month
- Age: 21-65 years
- Credit Score: 650+
- New to Credit: Allowed only for Salaried individuals
- Preferred: Existing credit card holders
- Payment History: No delayed payments in the last 12 months
- Citizenship: Indian Citizens or Non-Resident Indians
How to Apply
- Click Here to be redirected to the SBI Cashback Card Application page.
- Click Start Apply Journey and provide the required details.
- Submit your application and receive a confirmation SMS upon approval.
IDFC Club Vistara Credit Card
Experience Premium Benefits and Exclusive Offers with Your IDFC First Bank Credit Card!
Benefits
- Complimentary Premium Economy Tickets: Enjoy up to 6 complimentary tickets and 1 upgrade voucher per year.
- Club Vistara Silver Membership: Complementary membership to enhance your travel experience.
- Airport Lounge Access: 8 complimentary domestic and 4 international airport lounge visits annually.
- Trip Cancellation Cover: Up to ₹10,000 coverage on flight and hotel bookings (2 claims annually).
- Golf Benefits: 12 complimentary golf lessons and 4 complimentary rounds of golf each year.
More Features
- EazyDiner Prime & BQ Prime Memberships: 3 months complimentary access to both services.
- CV Points: Earn up to 6 CV Points on all spends, including utility bill payments, insurance, fuel, rent, and wallet loads.
- Bonus CV Points: Up to 6,000 bonus CV Points for crossing monthly spend milestones within the first 3 months.
- Competitive Forex Mark-Up: Enjoy a forex mark-up of just 2.99% on international transactions.
Partner Offers
- Online Discounts: Access 50+ in-app online discount offers.
- Health & Wellness Discounts: Up to 15% off at 3,000+ health and wellness outlets.
- Dining Discounts: Up to 20% off across 1,500 restaurants.
Fees & Charges
- Joining Fee: ₹4,999 + GST
- Annual Fee: ₹4,999 + GST
- Interest Rate: 0.75% – 3.5% per month
- Interest-Free ATM Cash Withdrawal: Up to 48 days on domestic and international ATMs.
Documents Needed
- PAN Card/Form 60
- Address Proof
- ID Proof
- Income Proof
- No physical documents required; upload everything online.
Eligibility Criteria
- Age: 21-60 years (Salaried), 25-60 years (Self-employed)
- Income: ₹6 Lakhs per annum
- Preferred: At least 1 year of credit history with a credit limit over ₹50,000
How to Apply
- Click Here to be redirected to the bank’s website.
- Click Apply Now and complete OTP verification.
- Approval Process: Acceptance and approval based on successful telephonic verification, at the sole discretion of IDFC First Bank.
- Submit your application and receive a confirmation SMS upon approval.
IDFC FIRST Power+ Rupay Credit Card
Unlock Exclusive Benefits and Savings with the IDFC First Bank Credit Card!
Welcome Benefits
- Up to ₹1,650 Value:
- ₹500 cashback on your first HPCL fuel transaction of ₹500 or more.
- 5% cashback (up to ₹1,000) on your first EMI conversion.
- ₹150 discount on your first Swiggy order above ₹500 (valid once per user).
- Unlimited Reward Points that never expire!
More Features of the Card
- Fuel Savings: Save up to 6.5% on your fuel expenses, up to ₹35,000 every month.
- Annual Savings: Save up to ₹18,500 annually, which could buy you over 175 liters of fuel.
- Reward Points: Earn unlimited Reward Points with 3X Rewards on retail transactions. Reward Points never expire!
- Grocery & Utility Savings: 5% savings as Rewards on grocery and utility expenses up to ₹2,000 every month.
- FASTag Recharge: 5% savings as Rewards on IDFC FIRST FASTag recharge up to ₹1,000 every month.
- ZoomCar Discount: ₹500 off on ZoomCar rentals.
- Roadside Assistance: Complimentary roadside assistance worth ₹1,399.
- Airport Lounge Access: Complimentary domestic airport lounge access once every quarter with minimum monthly spends of ₹5,000.
- Movie Ticket Discount: 25% off on movie tickets up to ₹100 once every month.
- Insurance Coverage: Personal accident cover of ₹2,00,000 and lost card liability cover of ₹25,000.
Partner Offers
- In-App Discounts: Access 50+ in-app online discount offers.
- Health & Wellness Discounts: Enjoy up to 15% off at 3,000+ health and wellness outlets.
- Dining Discounts: Up to 20% off across 1,500 restaurants.
Fees & Charges
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST (waived off on annual spends of ₹1,50,000 or more).
Documents Needed
- PAN Card/Form 60
- Address Proof
- ID Proof
- Income Proof
- No physical documents required; upload everything online.
Eligibility Criteria
- Age Group: 21-60 years (Salaried), 25-60 years (Self-employed).
- Income Group:
- Salaried: ₹25,000 (Categories A, A+, B & Government), ₹30,000 (Category D).
- Self-employed: ₹5,00,000.
- Bureau Score: 750+
- Availability: Across major cities and towns in India.
How to Apply
- Click Here to be redirected to the bank’s website.
- Click Apply Now and complete OTP verification.
- Approval Process: Based on successful telephonic verification, at the sole discretion of IDFC First Bank.
- Submit your application and receive a confirmation SMS upon approval.
IDFC SWYP Credit Card
Unlock Exclusive Discounts and Rewards with the FIRST SWYP Credit Card!
Benefits
- EaseMyTrip Discount Coupons: Get discount coupons worth ₹2,100 on EaseMyTrip upon payment of the joining fee.
- Lenskart Gold Membership: Enjoy a complimentary Lenskart Gold Membership for 1 year with the joining fee.
- Reward Points:
- 1,000 Reward Points on the first successful EMI transaction within 30 days from card issuance (1 RP = ₹0.25).
- 2,000 Reward Points worth ₹500 on spending ₹5,000 or more within 30 days of card issuance (1 RP = ₹0.25).
Other Amazing Offers
- Dominos: 20% off (up to ₹80) on orders above ₹299, twice every month.
- EaseMyTrip: 10% off on flights or hotels (up to ₹500) on transactions above ₹5,000, once every quarter.
- Sugar Cosmetics: 20% off (up to ₹270) on a minimum spend of ₹1,250, twice every month.
- TataCliq: 10% instant discount (up to ₹100) on purchases over ₹999, once every month.
- Zomato: 10% discount (up to ₹100) on orders above ₹299, twice every month.
- Paytm Movies: 25% off (up to ₹100) with FIRST SWYP Credit Card, once every month.
- Railway Lounge Access: 4 complimentary visits per quarter.
- Fuel Surcharge Waiver: 1% waiver (up to ₹200/month).
- Roadside Assistance: Complimentary Roadside Assistance (RSA) across India, up to 4 times a year, worth ₹1,399.
Partner Discounts
- Flipkart: 10% instant discount.
- Myntra, AJIO, Tata CliQ, and 1MG: 10% instant discount.
- Tata CliQ Palette, Sugar Cosmetics, and Zomato: 15% instant discount.
- Travel Bookings: 10-20% instant discount on bookings with Yatra, Adani One, MMT, GoIbibo, etc.
- See All Offers: Click Here
Fees & Charges
- Joining Fee: ₹499 + GST
- Annual Fee: ₹499 + GST (from the 2nd year onwards)
Documents Needed
- PAN Card/Form 60
- Color photograph
- Address Proof
- ID Proof
- Income Proof
Eligibility Criteria
- Employment Status: Salaried or Self-employed
- Income: ₹25,000 per month
- Minimum CIBIL Score: 750+
- Age: 21-60 years (Salaried), 25-60 years (Self-employed)
How to Apply
- Click Here to be redirected to the Bank’s website.
- Click Apply Now and complete OTP verification.
- Submit your application and receive a confirmation SMS upon approval.
- Approval Process: Based on successful telephonic verification, at the sole discretion of IDFC First Bank.
IDFC FIRST WOW Credit Card
Enjoy Lifetime Free Benefits and Exclusive Offers with the IDFC First Credit Card!
Benefits
- Lifetime Free Card: Guaranteed approval with no annual or joining fees.
- No Credit History or Income Proof Required: Simplified application process.
- Reward Points: Earn Reward Points that NEVER expire.
- Interest-Free Cash Withdrawal: Access cash from ATMs with up to 48 days of interest-free withdrawal.
- Fixed Deposit Interest: Earn 7.5% interest on your Fixed Deposit.
- Dining Discounts: Up to 20% off at 1500+ restaurants.
Other Amazing Offers
- BookMyShow: 50% off on movie tickets.
- Credit Limit Setup: Adjust your credit limit anytime, anywhere using your fixed deposit.
- Partner Offers: Enjoy discounts with 300+ brands including Myntra, Flipkart, Ajio, etc.
- Forex Conversion Fee: Zero fee on foreign transactions.
- Personal Accident Cover: Up to ₹2,00,000.
- Fuel Surcharge Waiver: 1% waiver up to ₹200/month.
Partner Discounts
- Flipkart: 10% instant discount.
- Myntra, AJIO, Tata CliQ, 1MG: 10% instant discount.
- Tata CliQ Palette, Sugar Cosmetics, Zomato: 15% instant discount.
- Travel Bookings: 10-20% instant discount on Yatra, Adani One, MMT, GoIbibo, and more.
- See All Offers: Click Here
Fees & Charges
- Joining Fee: Nil
- Annual Fee: Nil
Eligibility Criteria
- Age: 21-60 years (Salaried), 25-60 years (Self-employed)
How to Apply
- Click Here to be redirected to the Bank’s website.
- Click Apply Now and complete the OTP verification.
- Your application will be submitted and you will receive a confirmation SMS upon approval.
- Approval Process: Subject to successful telephonic verification at the sole discretion of IDFC First Bank.
AU Altura Plus Credit Card
Benefits
Milestone Rewards:
- Vouchers worth ₹500 on minimum retail spends of ₹10,000 within 60 days of card setup.
- 500 Bonus Reward Points (worth ₹125) on retail spends of ₹20,000 or more in a calendar month. (Fuel and cash withdrawals excluded).
Cashback and Reward Points:
- 1.5% Cashback: On all POS retail spends (except fuel) at merchant outlets. (Maximum cashback of ₹100 per statement cycle).
- 2X Reward Points: Earn 2 Reward Points per ₹100 on all online transactions.
Lounge Access:
- 2 Complimentary Lounge Accesses: Per calendar quarter at railway stations in New Delhi, Kolkata (Sealdah), Jaipur, Ahmedabad, and Agra using your VISA card.
Fuel Surcharge Waiver:
- 1% waiver for fuel transactions between ₹400 and ₹5,000 across all fuel stations.
EMI Conversion:
- Convert transactions worth ₹2,000 or more into easy EMI options on a selected tenure of your choice.
Partner Offers
- Croma: 5% Instant Discount on a minimum spend of ₹15,000. (Offer valid once per month).
- EasyDiner: 15% Off on a minimum spend of ₹2,500 with a maximum discount of ₹500. (Offer valid once per month).
- Tata CliQ: 15% Off on a minimum spend of ₹500 with a maximum discount of ₹300. (Offer valid once per month).
- Cleartrip: 15% Off on Domestic Flights and 10% Off on International Flights. (Offer valid once per month).
- Movies Tickets: 20% Off on a minimum spend of ₹500 with a maximum discount of ₹100. (Offer valid once per month).
- More E-Comm Discounts: 5% – 25% off on various online platforms. Check Here
Fees & Charges
- Joining Fee: ₹499 + applicable taxes (waived off if you spend ₹20,000 within the first 90 days of card issuance).
- Annual Fee: ₹499 + applicable taxes (waived off if you spend ₹80,000 within the first anniversary year).
Eligibility Criteria
- Age: 21-60 years.
- Employment Status: Salaried or Self-employed.
- Salaried: Minimum monthly income of ₹25,000.
- Self-employed: Minimum monthly income of ₹25,000.
- Existing Card: Must have an existing card (6 months old) with a minimum limit of ₹30,000.
- Credit Score: 700+.
- No Delayed Payments: In the last 12 months.
Documents Needed
- Valid PAN Card.
- Aadhar Card: Should be linked to your mobile for EKYC.
- Address Proof.
- Income Proof: If opting for income surrogate.
How to Apply
- Click Here to be redirected to AU Bank’s website.
- Click Login/Join Now and complete the OTP verification.
- Select AU Bank Altura Plus Credit Card and provide the required details.
- Your application will be submitted, and you will receive a confirmation SMS upon approval.
ICICI Bank Credit Card
Benefits
- Lifetime FREE: Select variants of ICICI Bank Credit Cards are offered without any joining or annual fee.
- Discount on Online Sales: Avail great discounts on Amazon, Flipkart, and other online sales events.
- Reward Points:
- 2 Reward Points: For every ₹100 spent on all retail purchases (excluding fuel).
- 1 Reward Point: For every ₹100 spent on utilities and insurance categories.
Other Amazing Offers
- Discounts: Enjoy discounts on various websites such as MakeMyTrip, Sterling Resorts, Haier, McDonald’s, and more.
- Rewards: Earn rewards on all spends that can be redeemed for exciting gifts, vouchers, or free flight tickets.
Fees & Charges
- Joining Fee: Lifetime Free (Depending upon the card selected).
- Annual Fee: Lifetime Free (Depending upon the card selected).
Documents Needed
- PAN Card
- Aadhaar Card
- Bank Statement
Eligibility Criteria
- Age Group: 21-65 years
- Employment Status: Salaried
- Minimum Income: ₹50,000 per month (Salaried)
- Credit Score: 750+
- Residency: Must be a citizen of India or a Non-Resident Indian.
How to Apply
- Click Here to be redirected to the ICICI Bank Credit Cards page.
- Enter your Mobile Number, PAN, Date of Birth, and Employment Type, then complete OTP verification.
- Provide your basic details and upload your Bank Statement (using Account Aggregator or Net banking Login).
- Browse through the available cards, select the one you are eligible for, and provide the required details.
HSBC Platinum Credit Card
Benefits
- Lifetime FREE Credit Card: No Joining or Annual Fee.
- Reward Points:
- 2 Reward Points: For every ₹150 spent.
- 5X Reward Points: Earn 10 Reward Points per ₹150 spent on purchases exceeding ₹4,00,000 annually, up to a cap of 15,000 accelerated reward points per year.
- Reward Points Redemption: Redeem Reward Points for Air miles with InterMiles, British Airways, and Singapore Airlines (2 Reward Points = 1 Air Mile/Intermile).
- Amazon Voucher: Make transactions of a minimum of ₹5,000 within the first 30 days and receive a complimentary Amazon voucher worth ₹500.
- BookMyShow Offer: Buy 1 Get 1 FREE offer on the BookMyShow mobile app (maximum price of the free ticket – ₹250), valid only on bookings made on Saturdays.
Other Amazing Offers
- Amazon Discount: Get an instant discount of up to ₹500 on Amazon for EMI transactions (excluding groceries).
- EazyDiner Discount: Enjoy up to 15% off with savings of up to ₹500, on a minimum spend of ₹2,500.
- MakeMyTrip Discount: Up to 15% off on both domestic and international bookings, valid once per card per month on Fridays, Saturdays, and Sundays.
- Croma Discount: Save up to ₹5,000 at Croma stores and online (valid once per card per month on Saturdays & Sundays).
- Fuel Surcharge Waiver: Save up to ₹3,000 annually on fuel charges.
Reward Points Redemption & Value
- Redemption Options: Reward points can be redeemed against Gift Vouchers and Airline Miles by the primary cardholder.
- Gift Vouchers: Redemption options include Amazon, Flipkart, Tanishq, Apple Imagine, Myntra, ShoppersStop, and more.
- Value of Redemption: 1 Reward Point redemption value varies between ₹0.2 – ₹0.35 per point depending on the selected gift voucher.
- Details: For more information, refer to the HSBC Website.
Fees & Charges
- Joining Fee: Nil
- Annual Fee: Nil
Documents Needed
- Address Proof
- ID Proof
- Income Proof
- PAN Card/Form 60
Eligibility Criteria
- Employment Status: Salaried
- Minimum Income: ₹4,00,000 per annum (for salaried individuals)
- Required Age: 18-65 years
- Residency: Must reside in any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune, Chandigarh, Kolkata, Jaipur, Ahmedabad, Coimbatore, Kochi
How to Apply
- Click Here to be redirected to the HSBC Credit Card page.
- Click on Start Apply Journey and provide the required details.
- Your application will be submitted, and you will receive an application number.
- Save the Application Number for future reference.
- An HSBC representative will call you within 2-4 days to complete the fulfillment process
HSBC Live Plus Credit Card
Benefits
- 10% Accelerated Cashback: On all dining, food delivery, and grocery spends, capped up to ₹1,000 per billing cycle.
- 1.5% Unlimited Cashback: On all other spends.
- Complimentary Lounge Visits: 4 domestic lounge visits per year (1 per quarter).
- Annual Fee Waiver: On annual spends of ₹2,00,000 or more.
Other Amazing Offers
- Amazon Vouchers: Make transactions of a minimum of ₹10,000 within the first 30 days to receive Amazon vouchers worth ₹1,000.
- Amazon Discount: 5% discount on Amazon spends of ₹1,000 or above.
- Exclusive Monthly Offers: On Amazon, Amazon Pay, Blinkit, EazyDiner, Pharmeasy, and more.
- Zero Liability: For lost cards.
- Emergency Card Replacement: Available.
Fees & Charges
- Joining Fee: ₹999 + GST
- Annual Fee: Nil for the first year; ₹999 + GST for the second year onwards.
- Annual Fee Waiver: On annual spends of ₹2,00,000 or more.
Documents Needed
- Address Proof
- ID Proof
- Income Proof
- PAN Card/Form 60
Eligibility Criteria
- Age: 18-65 years
- Employment Status: Salaried
- Minimum Income: ₹4,00,000 per annum (for salaried individuals)
- Residency: Must reside in any of the following cities: Bangalore, Chennai, Gurgaon, Hyderabad, Mumbai, New Delhi, Noida, Pune, Chandigarh, Kolkata, Jaipur, Ahmedabad, Coimbatore, Kochi
How to Apply
- Click Here to be redirected to HSBC Bank’s website.
- Click Login/Join Now and complete the OTP verification.
- Select HSBC Live+ Credit Card and provide the required details.
- Submit your application and you will receive a confirmation SMS once your application is approved.
HDFC RuPay Credit Card
Benefits
- Rupay Card: Pay via UPI with ease.
- Cashpoints on Spend:
- 3% Cashpoints: On groceries, supermarket, dining spends, and PayZapp transactions (Maximum of 500 points per calendar month).
- 2% Cashpoints: On utility spends (Maximum of 500 points per calendar month).
- 1% Cashpoints: On other spends excluding rent, wallet loads, EMI, fuel, insurance payments, and government categories (Maximum of 500 points per calendar month).
- Smart EMI: Convert spends of ₹2,500 or more into Smart EMIs with competitive interest rates and flexible repayment tenures.
- Milestone Benefits: Get lucrative vouchers upon meeting minimum monthly spending criteria.
Other Amazing Offers
- Revolving Credit Facilities: Access nominal interest rates for revolving credit.
- Liability Waivers: Get liability waivers for fraudulent transactions and card loss, upon prompt reporting.
- Reward Redemption: Redeem CashPoints against the statement balance at the rate of 1 CashPoint = ₹0.25. Redemption can be done via Net Banking or a physical redemption form.
- Rewards: Earn rewards on all spends that can be redeemed for gifts, vouchers, or free flight tickets.
Fees & Charges
- Joining Fee: Starting at ₹500 + GST (Depending on the card selected).
- Annual Fee: Starting at ₹500 + GST (Depending on the card selected).
Documents Needed
- Address Proof: Aadhaar, Passport, Latest utility bills.
- ID Proof: PAN Card, Voter ID, Passport.
- Income Proof: Bank Statement, Salary Slips.
Eligibility Criteria
- Age: 21-65 years
- Employment Status: Salaried or Self-Employed
- Minimum Income:
- ₹20,000 per month (Salaried)
- ₹50,000 per month (Self-Employed)
- Credit Score: 700+
- Citizenship: Indian or Non-Resident Indian
How to Apply
- Click Here to be redirected to HDFC Bank’s website.
- Click Login/Join Now and complete the OTP verification.
- Review the available cards and select the one you are eligible for.
- Provide the required details and submit your application.
- You will receive a confirmation SMS upon approval of your application.
- Track your application status within 72 hours after the Application ID is generated.
HDFC IRCTC Credit Card
Benefits
- Welcome Voucher: Get a voucher worth ₹500 upon card activation within the first 37 days of card issuance.
- Earn Reward Points:
- 5 Reward Points: For every ₹100 spent on IRCTC ticketing website & Rail Connect App.
- 1 Reward Point: For every ₹100 spent on all other transactions.
- Cashback: Additional 5% cashback on train ticket bookings via HDFC Bank SmartBuy.
- Annual Fee Waiver: Waived on annual spends of ₹1,50,000 or more.
- Credit Card to UPI: Link your HDFC IRCTC Credit Card to your UPI.
Other Amazing Offers
- Complimentary Lounge Access: 8 visits to select IRCTC Executive Lounges every year (2 per quarter).
- Fuel Surcharge Waiver: 1% waiver (up to ₹250) on transactions between ₹400 – ₹5,000 at all fuel stations across India.
- Interest-Free Period: Enjoy up to 50 days of interest-free credit from the date of purchase.
- Revolving Credit: Available at a nominal interest rate.
Fees & Charges
- Joining Fee: ₹500 + GST
- Annual Fee: ₹500 + GST
Documents Needed
- Address Proof: Aadhaar, Passport, Latest utility bills.
- ID Proof: PAN Card, Voter ID, Passport.
- Income Proof: Bank Statement, Salary Slips.
Eligibility Criteria
- Age: 21-60 years
- Employment Status: Salaried or Self-Employed
- Minimum Income:
- ₹25,000 per month (Salaried)
- ₹6,00,000 per month (Self-Employed)
How to Apply
- Click Here to be redirected to HDFC Bank’s website.
- Click Login/Join Now and complete the OTP verification.
- Select the HDFC Bank Credit Card and provide the required details.
- Submit your application and await a confirmation SMS upon approval.
IndusInd Platinum Aura Edge Credit Card
Benefits
- Lifetime Free Card: No Joining Fees | No Annual Fees.
- Earn Up to 4X Savings Points:
- 1 Savings Point = ₹0.40 Cash Value
- Fuel Waiver: 1% waiver on all petrol pump transactions across India.
- Travel Insurance: Complimentary ICICI Lombard Travel Insurance under the Travel Plus Program.
- Personal Accident Insurance: Coverage of up to ₹25 lakhs.
- Personalized Reward Plans: Choose from:
- Platinum Aura Shop Plan
- Platinum Aura Home Plan
- Platinum Aura Travel Plan
- Platinum Aura Party Plan
Partner Discounts
- Ajio: Flat ₹400 off on orders above ₹2,000.
- PVR: ₹100 off on food & beverage orders above ₹350.
- Lifestyle: Additional 15% off on orders above ₹1,999.
- EaseMyTrip: Up to ₹1,000 off on flight & hotel bookings.
- Eazydiner: 15% discount (up to ₹500) on orders above ₹1,500.
Fees & Charges
- Joining Fees: Nil
- Annual Fees: Nil
- Annual Fee Waiver: Not applicable
Documents Needed
- No Physical Documents Required
- Keep Aadhaar and PAN Copy Handy
- Income Proof
Eligibility Criteria
- Monthly Income:
- ₹20,000 for Salaried
- ₹30,000 for Self-Employed
- Age Group: 21-65 years
- Credit Score: 650+
- No Delayed Payments: In the last 12 months
- New to Credit: Allowed
Good to Have:
- Existing active credit card with a limit more than ₹50,000 from any bank.
- Existing Home or Auto Loan.
How to Apply
- Click Here to be redirected to IndusInd Bank’s website.
- Complete the verification process.
- Select the IndusInd Bank Platinum Aura Edge Credit Card and provide the required details.
- Submit your application, and a confirmation SMS will be sent upon approval.
Standard Chartered EaseMyTrip Credit Card
Benefits
EaseMyTrip Discounts:
- 20% instant discount on hotel bookings.
- 10% instant discount on flight bookings.
Reward Points:
- 10 Rewards on every ₹100 spent at standalone hotel and airline websites/apps/outlets.
- 2 Rewards on every ₹100 spent on all other categories.
- 1 Reward Point = ₹0.25.
Value Savings:
- Over ₹27,000 yearly savings on domestic trips.
Complimentary Lounge Access:
- 1 domestic lounge visit per calendar quarter.
- 2 international lounge visits per year.
Fees & Charges
- Joining Fees: ₹350 + GST
- Annual Fees: ₹350 + GST
- Renewal Fee (2nd year onwards): Waived on spends of ₹50,000 or more in the previous year.
Documents Needed
- PAN Card
- Aadhaar Card
- Bank Statement (last 6 months)
- Payslip / ITR
Eligibility Criteria
- Age: 27 – 55 years
- Employment Status: Salaried
- Minimum Income: ₹7 Lakhs per annum
How to Apply
- Click Here to be redirected to Standard Chartered Bank’s application page.
- Click Login/Join Now and complete OTP verification.
- Provide the required details and complete the online application.
- Submit your application and receive a confirmation SMS on approval.
- Complete EKYC and VKYC using the link provided in the SMS.
Standard Chartered Platinum Rewards Credit Card
The Standard Chartered Platinum Rewards Credit Card offers generous reward points on specific spends, with no joining or annual fees.
Benefits
Lifetime Free:
- No joining or annual fees.
Reward Points:
- 5 Reward Points per ₹150 spent on Hotel, Restaurant, and Fuel transactions (No monthly cap).
- 1 Reward Point per ₹150 spent on all other transactions (No monthly cap).
Fee Waiver:
- Spend ₹500 or more within the first 30 days to avoid a one-time fee of ₹250 + GST.
Fees & Charges
- Joining Fee: Lifetime Free
- Annual Fee: Not Applicable
Documents Needed
- ID Proof
- Address Proof
- Bank Statement/Income Proof
- PAN Card/Form 60
- Colour Photographs
Eligibility Criteria
- Employment Status: Salaried
- Income: ₹7 Lakhs or more annually
- Age: 27 – 55 years
How to Apply
- Click Here to be redirected to Standard Chartered Bank’s application page.
- Click Login/Join Now and complete OTP verification.
- Select the Standard Chartered Platinum Rewards Credit Card and provide the required details.
- Submit your application and you will receive a confirmation SMS upon approval.
- Get your application status within 10 minutes.
Standard Chartered Smart Credit Card
The Standard Chartered Smart Card is designed to offer cashback on various spends, with extended interest-free periods and flexible EMI options.
Benefits
Cashback:
- 2% Cashback on all online spends (Up to ₹1,000 per month).
- 1% Cashback on other spends (Up to ₹500 per month).
Extended Interest-Free Credit Period:
- For the first 90 days post card issuance, you can enjoy an interest-free period by paying only the minimum amount due.
EMI Option:
- Attractive interest rate of 0.99% per month on converting eligible transactions into 3-month EMIs.
Annual Cashback:
- Get cashback of up to ₹18,000 annually.
Fees & Charges
- Joining Fee: Free
- Annual Fee: ₹499 + GST
- Renewal Fee: Waived on spends greater than ₹1,20,000 in the previous year
Documents Needed
- ID Proof
- Address Proof
- Bank Statement/Income Proof
- PAN Card/Form 60
- Colour Photographs
Eligibility Criteria
- Employment Status: Salaried or Self-employed
- Income: ₹7 Lakhs and above annually
- Age: 18 – 67 years
How to Apply
- Click Here to be redirected to Standard Chartered Bank’s application page.
- Click Login/Join Now and complete OTP verification.
- Select the Standard Chartered Smart Card and provide the required details.
- Submit your application and you will receive a confirmation SMS upon approval.
- Get your application status within 10 minutes.
Axis LIC Signature Credit Card
The LIC Axis Signature Credit Card offers benefits on premium payments, foreign currency transactions, and fuel spends, along with complimentary airport lounge access.
Benefits
Lifetime Free:
- No Joining Fees
- No Annual Fees
Reward Points:
- 2 Reward Points for every ₹100 spent on LIC Premium payments and foreign currency transactions.
- 1 Reward Point for every ₹100 spent on all other transactions (excluding fuel transactions, wallet loads, and EMI conversions).
Complimentary Lounge Access:
- 8 complimentary airport lounge accesses per year at select domestic airports (2 per quarter).
Fuel Surcharge Waiver:
- 1% surcharge waiver on fuel spends at all petrol pumps across India (Valid on transactions between ₹400 and ₹4,000, with a maximum monthly benefit of ₹400).
Fees & Charges
- Joining Fee: Nil
- Annual Fee: Nil
Documents Needed
- PAN Card/Form 60
- ID Proof
- Address Proof
- Bank Statement/Income Proof
Eligibility Criteria
- Required Age: 18-69 years
- Employment Status: Salaried or Self-Employed
- Income:
- Salaried: Minimum ₹5 Lakhs annually
- Self-Employed: ₹6 Lakhs ITR
How to Apply
- Click Here to be redirected to Axis Bank’s website.
- Fill in the requested details.
- Select LIC Axis Signature Credit Card and submit the OTP.
- Submit your application and you will receive an application number.
- Video KYC link will be sent via SMS.
- Axis Bank’s representative will connect with you for further processing.
Axis MyZone Credit Card
The Axis My Zone Credit Card provides cashback, discounts on dining and entertainment, and several other perks.
Benefits
Cashback Deduction:
- Cashback earned can be deducted directly from your credit card statement, effectively treating it like real money.
Complimentary Subscription:
- SonyLiv Premium Annual Subscription worth ₹999.
Swiggy Discounts:
- Flat ₹120 Off on minimum orders of ₹500, applicable twice a month (Maximum discount up to ₹240 per month).
Paytm Movies:
- Buy One Get 100% Off on the second ticket, maximum discount of ₹200 per month.
Other Features
AJIO Discounts:
- Up to ₹1000 Off on minimum spends of ₹2999 on select styles.
Lounge Access:
- 4 Complimentary Lounge accesses at select domestic airports (1 per quarter).
Reward Points:
- 4 EDGE REWARDS points per ₹200 spent (Not applicable on fuel, movie tickets, insurance, wallet loads, rent, utilities, education, government institutions, and EMI transactions).
Dining Discounts:
- Up to 15% Off at partner restaurants in India (Maximum discount ₹500).
Fuel Surcharge Waiver:
- 1% waiver on fuel spends between ₹400 and ₹4000 at all petrol pumps across the country.
Fees & Charges
- Joining Fee: ₹500
- Annual Fee: ₹500
Documents Needed
- PAN Card/Form 60
- Colour Photograph
- Address Proof
- ID Proof
- Income Proof
Eligibility Criteria
- Employment Status: Salaried or Self-Employed
- Income:
- Salaried: Minimum ₹15,000 per month
- Self-Employed: Minimum ₹30,000 per month
- Required Age: 21-65 years
How to Apply
- Click Here to be redirected to Axis Bank’s website.
- Click Login/Join Now and complete the OTP verification.
- Select Axis Bank My Zone Card and provide the required details.
- Submit your application and you will receive a confirmation SMS upon approval.
Axis Flipkart Credit Card
The Axis Bank Flipkart Credit Card offers a variety of cashback options and discounts tailored for frequent shoppers and users of popular services.
Benefits
Flipkart Cashback:
- 5% Unlimited Cashback on all purchases made on Flipkart.
Cashback on Partner Services:
- 4% Cashback on purchases made with Swiggy, Uber, PVR, Cleartrip, Curefit, and Tata Play.
General Cashback:
- 1.5% Cashback on all other purchases (excluding wallet loads, EMI, rent, jewelry, government services, etc.).
Fuel Surcharge Waiver:
- 1% waiver on fuel purchases at all fuel stations across India.
Complimentary Lounge Visits:
- 4 Complimentary lounge visits within India each year.
Welcome Offers:
- Flipkart Gift Card worth ₹500 on your first transaction with the Flipkart Axis Credit Card.
- 15% Off (Up to ₹500) on your first Myntra transaction using the card.
- 50% Instant Discount up to ₹100 on your first Swiggy order with the code: AXISFKNEW.
Fees & Charges
- Joining Fee: ₹500
- Annual Fee: ₹500 (waived on annual spends of ₹3,50,000 or more)
- Interest Rate: 3.6% per month
- Cash Withdrawal Charges: 2.5% (Minimum ₹500)
- Card Replacement Charges: ₹100
Documents Needed
- PAN Card/Form 60
- Colour Photograph
- Address Proof
- ID Proof
- Income Proof
Eligibility Criteria
Income:
- Salaried: Minimum ₹15,000 per month
- Self-Employed: Minimum ₹30,000 per month
Age Group: 21-70 years
Availability: Across major cities in India
How to Apply
- Click Here to be redirected to Axis Bank’s website.
- Click Login/Join Now and complete the OTP verification.
- Select Axis Bank Flipkart Credit Card and provide the required details.
- Submit your application and you will receive a confirmation SMS upon approval.
Axis IOCL Rupay Credit Card
The Axis IOCL RuPay Credit Card is designed for those who frequently spend on fuel and online shopping, offering valuable cashback and rewards.
Benefits
UPI Linkage:
- Link your credit card to UPI and earn reward points on UPI payments.
Fuel Spend Rewards:
- 4% Value Back on fuel spends at IOCL outlets (20 Reward Points per ₹100 spent). Capped at 1000 Reward Points per month (1 Reward Point = ₹0.20).
Online Shopping Rewards:
- 1% Value Back on online shopping, earning 5 Reward Points per ₹100 spent.
Welcome Offer:
- 100% Cashback up to ₹250 on all fuel spends within the first 30 days of card issuance.
Movie Ticket Discount:
- 10% Instant Discount on movie tickets booked via BookMyShow website.
Dining Discount:
- Enjoy up to 15% Discount at partner restaurants.
Features
Ease of Transactions:
- UPI Security and rewards for transactions.
Discounts:
- Enjoy discounts on fuel, online shopping, movie tickets, and dining.
Fees & Charges
- Joining Fee: ₹500 (excluding GST)
- Annual Fee: ₹500 (excluding GST)
- Waiver: Annual fee is waived if you spend ₹50,000 in one calendar year.
- Interest Rate: 3.6% per month
- Cash Withdrawal Charges: 2.5% (Minimum ₹500)
Documents Needed
- PAN Card
- ID Proof: Aadhaar Card, Voter ID, Driving Licence, Passport, etc.
- Address Proof: Utility Bills, Aadhaar Card, Driving Licence, Ration Card, etc.
- Income Proof: Salary Slip, Bank Statement, Form 16, etc.
Eligibility Criteria
Income:
- Salaried: Starting from ₹15,000 per month
- Self-Employed: Starting from ₹30,000 per month
Age Group: 21-65 years
Availability: Across major cities in India
How to Apply
- Click Here to be redirected to the bank’s website.
- Click Login/Join Now and complete the OTP verification.
- Select Axis IOCL RuPay Credit Card and provide the required details.
- Submit your application and you will receive a confirmation SMS upon approval.