Key benefits
- 5% cashback on Amazon and Flipkart, up to 15% on top brands
- Flat 2% cashback on UPI payments
- Up to 20% off on Swiggy, Zomato, Instamart, BookMyShow
Eligibility and fees
- Annual fee
- Lifetime free
- Who can apply
- Anyone, against a fixed deposit
- Minimum income
- No income proof needed
- Credit score
- Not needed
- First credit card?
- Yes
- No income proof or CIBIL needed
- Fixed deposit from ₹10,001
- Lifetime free, age 21-65
Before you apply
- Keep your PAN and Aadhaar ready. This card is issued against a fixed deposit that you open with the bank while applying.
- 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.