Premium credit cards with cashback, rewards, and lounge access — matched to your spending profile and credit score.
Most banks look for a CIBIL score of 620 or above to approve a credit card application. A higher score improves your chances of approval and can also get you access to premium cards with better rewards.
You'll typically need PAN card, Aadhaar card, a recent photograph, and income proof such as salary slips or bank statements. Self-employed applicants may need to provide ITR or business proof as well.
Approval timelines vary by bank, but most applications are processed within 3 to 7 working days after document verification. Some banks also offer instant in-principle approval based on your CIBIL score.
It depends on the card. Many entry-level cards are free or have the annual fee waived off on reaching a minimum yearly spend, while premium cards with travel and lounge benefits usually carry a fixed annual fee.
Yes, several banks offer credit cards designed for lower income brackets, including secured cards backed by a fixed deposit. Our team can help match you with a card suited to your income level.
Every credit card application involves a hard inquiry, which can cause a small, temporary dip in your CIBIL score. We recommend checking your eligibility first to avoid unnecessary rejections and multiple inquiries.
We partner only with RBI-registered banks and top NBFCs to ensure your data privacy, transparent loan terms, and absolute financial safety.
Apply in minutes and our team will reach out to guide you through the rest.
Apply NowExplore the right card category based on how and where you spend the most.
Earn a fixed percentage back on everyday spends like groceries, utility bills, and online shopping.
Earn reward points on every spend and redeem for flights, hotels, and airport lounge access.
Save on fuel surcharge and earn extra reward points on fuel spends at partner petrol pumps.
Zero joining and annual fee — a good entry-level option for first-time credit card users.
Backed by a fixed deposit — ideal for low income, no credit history, or building your CIBIL score.
Keep these basic documents ready for a smooth, paperless application experience.
| Category | Salaried Individuals | Self-Employed |
|---|---|---|
| Identity & Address Proof | Aadhaar Card, PAN Card, Voter ID / Passport | Aadhaar Card, PAN Card, Business Proof |
| Income Proof | Last 3 Months Salary Slips | Last 2 Years ITR & P&L Statements |
| Bank Statements | Last 3 to 6 Months Salary Account Statement | Last 6 Months Current Bank Account Statement |
| Employment / Business Proof | Company ID Card & Employment Certificate | GST Registration, Trade License or Udyam Registration |
We work exclusively with RBI-regulated banks & NBFCs to secure the best rates and terms for you.
