Key benefits
- 5% cashback on Flipkart, 12% on Cleartrip
- 7.5% on Myntra, 4% on Zomato, Uber and PVR
- ₹250 Flipkart gift card plus first-spend offers worth ₹1,000+
Eligibility and fees
- Annual fee
- Fee ₹500 + GST, waived on ₹3.5L annual spends
- Who can apply
- Salaried or self-employed
- Minimum income
- Salaried: ₹30,000 a month
Self-employed: ₹30,000 a month - Credit score
- 720 or above
- First credit card?
- No, needs a credit history
- Income ₹30,000+; New to Credit not allowed
- Credit score 720+, 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.