Key benefits
- Rewards on groceries, fuel, dining and bill payments
- Works with UPI payments everywhere
- Lifetime free, no joining or annual fee
Eligibility and fees
- Annual fee
- Lifetime free
- Who can apply
- Salaried or self-employed
- Minimum income
- Salaried: ₹25,000 a month
Self-employed: ₹50,000 a month - Credit score
- 750 or above
- First credit card?
- Yes
- Salaried ₹25,000/month or ITR ₹6 lakh+
- Credit score 750+; New to Credit allowed
- Age 21-65
Before you apply
- Keep your PAN, Aadhaar and latest income proof (salary slips or ITR) ready.
- Apply for one card at a time. Several applications in a short time can lower your credit score.
- Approval, credit limit and final fees are always decided by the bank.
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Credit Universe may earn a commission from the bank if you are approved, at no cost to you. Approval is always the bank’s decision.