Credit Card Eligibility Check Online | For CIBIL Score Use FynnEdge Free Eligibility checker.

Benefits

credit card

A credit card allows you to buy stuff on a daily basis and provides you with an amount of money you would be able to spend without any restrictions. A card can turn out to be useful for numerous kinds of expenses, including trips and bills.

● Multiple card options to explore

● Rewards, cashback and other card benefits

● Convenient application process

Apply for a Credit Card

Looking for a credit card that suits your financial needs? FynnEdge helps you explore card options from different issuers based on factors such as your income, credit profile and spending requirements.

FynnEdge helps you explore credit card options from multiple issuers. The available credit limit, rewards, fees, eligibility criteria and other terms depend on the card issuer and the applicant's profile.

Key Features

● Credit cards for different spending needs

● Rewards and cashback options on eligible transactions

● Flexible payment options

● Online application facility

● Access to card-specific offers and benefits

● Options based on different income and credit profiles

Eligibility at a Glance

Credit card eligibility differs across banks and card issuers. Applicants generally need to meet requirements such as:

● Being within the age range specified by the card issuer

● Having a regular source of income

● Meeting the minimum income requirement for the selected card

● Maintaining a satisfactory credit history

● Providing valid identity and address documents

The final approval decision and credit limit are determined by the card issuer after reviewing the applicant's profile.

Documents You'll Need

Depending on the issuer and type of credit card, you may be asked to provide:

● PAN Card

● Aadhaar Card or other address proof

● Identity Proof

● Salary Slips or other income proof

● Recent Bank Statements

● Passport-size Photograph

● Income Tax Returns, where applicable

● Additional documents requested by the issuer

How It Works

1. Check Your Eligibility

Provide a few basic details to understand which credit card options may be suitable for your profile.

2. Explore Available Cards

Review available cards based on factors such as rewards, cashback, fees, spending categories and other applicable features.

3. Select a Suitable Card

Choose a card according to your spending requirements and the issuer's terms.

4. Submit Your Application

Complete the application form and provide the documents requested by the card issuer.

5. Verification and Approval

The issuer reviews your application and verifies the information provided.

6. Receive Your Card

Once approved, the credit card is issued according to the issuer's applicable terms and delivery process.

Credit Card EMI Calculator

If you convert an eligible credit card purchase into an EMI, the Credit Card EMI Calculator can help you estimate your monthly repayment. Enter the purchase amount, applicable interest rate and repayment tenure to get an approximate EMI.

why consider FynnEdge for your credit card?

01 — We Explore Multiple Card Options

Instead of checking individual issuers one by one, you can explore different credit card options through a single platform.

02 — Find Cards Based on Your Needs

Whether your priority is cashback, rewards, travel benefits or everyday spending, you can explore cards designed around different requirements.

03 — Simple Online Process

Share your basic details online and explore suitable options without making the process unnecessarily complicated.

04 — Understand Card Features

Compare important details such as annual fees, rewards, eligibility requirements and other applicable charges before applying.

05 — Assistance During the Process

FynnEdge helps you understand available credit card options and the requirements involved in the application process.

06 — Make an Informed Choice

Understanding the fees, benefits, repayment terms, and issuer conditions can help you select a card that fits your spending pattern.

Key features

Rewards, cashback and travel options
Fast, profile-based matching
Compare multiple issuers at once

Eligibility at a glance

A general guide — the exact criteria vary by lender and are checked precisely when you apply.

— Salaried or self-employed with a regular income
— Minimum age as per issuer policy
— Existing card obligations considered

Documents you'll need

PAN Card Address Proof Income Proof

How it works

1 Check eligibility
2 Compare cards
3 Apply online
4 KYC verification
5 Card issuance

Lenders offering this product

Compare lenders side by side

Tick up to 4 lenders to compare them head to head, or apply with any lender directly.

Lenders compared: 21
Finance charges from: 0.71% per month
Loan up to: ₹25 Lakh
Tenure up to: 4 yrs

Sort by

Show

— pick at least one more to compare. — showing only your picks.

Lender	Finance charge	Loan amount	Tenure	Processing fee	Eligibility	Apply
Compare IDFC FIRST Bank IDFC FIRST Bank Bank Lowest rate Longest tenure	Finance charge 0.71% – 3.85% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹0–₹50,000 + GST Fee details joining/annual fee Rs 0 (Classic/Millennia/Select/Wealth lifetime-free) to Rs 12,500 (top-tier metal card); FIRST Private joining Rs...	Eligibility Age 18–65 yrs Min. income ₹25,000/mo Salaried or Self-employed	Apply Now
Compare Indian Bank Indian Bank Bank Longest tenure	Finance charge 1.66% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹1.9 Lakh	Tenure 3–48 mo	Processing fee ₹0–₹250 + GST Fee details IB RuPay Platinum/Select/Classic: joining nil; secured variants against FD (min Rs25,000, limit up to 90% of FD)	Eligibility Age 18–60 yrs Min. income ₹12,500/mo Salaried or Self-employed	Apply Now
Compare Bank of India Bank of India Bank	Finance charge 1.70% per month · Revolving credit (card) Charged on the unpaid balance when at least 10% of the bill is paid by the due date. Read on BankBazaar because Bank of India's own website could not be reached. The bank's card terms may state a different charge, so confirm with Bank of India before you apply. As listed on BankBazaar, 14 Oct 2026 · confirm with Bank of India	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–36 mo	Processing fee ₹0–₹1,500 + GST Fee details Annual fee: RuPay Platinum nil; Visa Gold/Navy/Platinum Privilege Rs600; TAJ Premium Rs800; Visa Gold International Rs1,500; up to 51 days interest-free	Eligibility Age 21–65 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare IndusInd Bank IndusInd Bank Bank Longest tenure	Finance charge 1.79% – 3.95% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹0–₹100,000 + GST Fee details several LTF cards; premium cards joining up to ₹1,00,000 and annual up to ₹25,000 with spend-based waivers	Eligibility Age 18–75 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Canara Bank Canara Bank Bank Highest amount	Finance charge 2.50% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹25 Lakh	Tenure 3–24 mo	Processing fee ₹0–₹400 + GST Fee details Nil joining/annual fee on most cards (VISA Corporate ₹250 joining, ₹400 add-on annual), excl. GST; min annual income ₹1L (Classic) to ₹10L (MasterCard World)	Eligibility Age 21–70 yrs Min. income ₹8,333/mo Salaried or Self-employed	Apply Now
Compare Punjab National Bank Punjab National Bank Bank	Finance charge 2.95% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹10,000 – ₹15 Lakh	Tenure 3–36 mo	Processing fee ₹0–₹9,000 + GST Fee details Joining ₹0–₹9,000 & annual ₹0–₹7,500 + GST by variant (Classic/Platinum nil; RuPay Select ₹750; Millennial ₹999; Luxura metal ₹9,000/₹7,500); min income ₹2.5L–₹7.5L p.a.	Eligibility Age 21–70 yrs Min. income ₹20,833/mo Credit score 700+ Salaried or Self-employed	Apply Now
Compare Yes Bank Yes Bank Bank Longest tenure	Finance charge 2.99% – 3.99% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹0–₹50,000 + GST Fee details Annual fee Rs 0 (lifetime-free entry cards) to Rs 2,499 on mainstream cards (RESERV/premium higher); age 21-60; min income Rs 20,000 pm	Eligibility Age 21–60 yrs Min. income ₹20,000/mo Salaried or Self-employed	Apply Now
Compare Karur Vysya Bank Karur Vysya Bank Bank Longest tenure	Finance charge 3.25% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹499–₹4,999 + GST Fee details co-branded Karur Vysya SBI Gold card annual fee Rs 499; EMI/BT PF Rs 300 or 1%; SBI co-brand Gold 499/Platinum 2999/Signature 4999; income 4L+ p.a.	Eligibility Age 21–65 yrs Min. income ₹33,333/mo Salaried or Self-employed	Apply Now
Compare AU Small Finance Bank AU Small Finance Bank Bank Longest tenure	Finance charge 3.75% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹0–₹7,999 + GST Fee details annual fee Rs 0 (LIT/ixigo/NOMO lifetime-free) to Rs 7,999 (Zenith), Zenith+ Rs 4,999, Vetta Rs 2,999, Altura Rs 199; spend-based waivers; EMI: Xpress EMI 1%, loan on card 2%; age 21-60	Eligibility Age 21–60 yrs Min. income ₹41,667/mo Salaried or Self-employed	Apply Now
Compare Axis Bank Axis Bank Bank Longest tenure	Finance charge 3.75% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹0–₹50,000 + GST Fee details Wide card range from lifetime-free (e.g. Freecharge, Ace variants) to premium; joining/annual fees vary per card + GST; see individual card fee pages; finance charge up to 3.6%...	Eligibility Age 18–70 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Bank of Baroda Bank of Baroda Bank	Finance charge 3.75% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹10 Lakh	Tenure 6–36 mo	Processing fee ₹0–₹2,499 + GST Fee details BOBCARD: joining/annual fee nil to ₹2,499 + taxes by variant (Eterna ₹2,499, Premier ₹1,000, several lifetime-free); annual fee waivers on spend milestones	Eligibility Age 18–65 yrs Min. income ₹0/mo Credit score 750+ Salaried or Self-employed	Apply Now
Compare HDFC Bank HDFC Bank Bank Longest tenure	Finance charge 3.75% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹500–₹12,500 + GST Fee details Joining/annual fee ₹500 (MoneyBack) to ₹12,500 (Infinia) + taxes, several LTF cards	Eligibility Age 21–65 yrs Min. income ₹12,000/mo Salaried or Self-employed	Apply Now
Compare ICICI Bank ICICI Bank Bank Longest tenure	Finance charge 3.75% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹0–₹20,000 + GST Fee details Platinum Chip / Amazon Pay lifetime free; Coral joining & annual ₹500 + GST (waived on ₹1.5 lakh spend); premium cards (Sapphiro, Rubyx, Emeralde) higher; finance charge 3...	Eligibility Age 21–60 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Kotak Mahindra Bank Kotak Mahindra Bank Bank Longest tenure	Finance charge 3.75% per month · Revolving credit (card) Rate verified 13 Oct 2026 · lender's rates	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹0–₹25,000 + GST Fee details League LTF; Cashback+ joining ₹0 / annual ₹750; Air+ ₹999; Zen ₹1,500; premium cards higher; annual fee up to Rs 25,000 + taxes	Eligibility Age 18–65 yrs Min. income ₹0/mo Credit score 750+ Salaried or Self-employed	Apply Now
Compare Bajaj Finance Bajaj Finance NBFC / HFC	Finance charge Check current rates Rate confirmed by the lender when you apply	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–24 mo	Processing fee ₹499–₹4,999 + GST Fee details Bajaj Finserv DBS Bank SuperCard co-brand: annual fee Rs 499 (5X) to Rs 4,999 (10X Plus Signature) + GST; first-year fee waivers on select variants; EMI conversion fee 2% (min Rs 249) + GST, tenures 3-24 mon...	Eligibility Age 21–70 yrs Min. income ₹0/mo Credit score 650+ Salaried or Self-employed	Apply Now
Compare Bank of Maharashtra Bank of Maharashtra Bank Longest tenure	Finance charge Check current rates Rate confirmed by the lender when you apply	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹499–₹2,999 + GST Fee details BoM-SBI co-branded cards (SimplySAVE / PRIME / ELITE) issued by SBI Card; legacy BoM cards migrated; fees and finance charges as per SBI Card schedule (not on BoM page)	Eligibility Age 18–70 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Central Bank of India Central Bank of India Bank Longest tenure	Finance charge Check current rates Rate confirmed by the lender when you apply	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹499–₹4,999 + GST Fee details Co-branded SBI cards: Simply SAVE Rs499 (reversed from 2nd year on spend), PRIME Rs2,999, ELITE Rs4,999 annual; finance charges as per SBI Card	Eligibility Age 18–70 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare Indian Overseas Bank Indian Overseas Bank Bank Longest tenure	Finance charge Check current rates Rate confirmed by the lender when you apply	Loan amount ₹10,000 – ₹5 Lakh	Tenure 3–48 mo	Processing fee ₹0–₹750 + GST Fee details RuPay Classic/Platinum/Select: no joining/annual fee; VISA Platinum AMC Rs250 + GST (waived on Rs60,000 spend); limits RuPay Rs10k-5L, VISA Rs51k-5L	Eligibility Age 18–65 yrs Min. income ₹15,000/mo Credit score 700+ Salaried or Self-employed	Apply Now
Compare Punjab & Sind Bank Punjab & Sind Bank Bank Longest tenure	Finance charge Check current rates Rate confirmed by the lender when you apply	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹499–₹4,999 + GST Fee details PSB-SBI co-branded: Simply SAVE joining/annual Rs499 + tax; PRIME Rs2,999; ELITE Rs4,999 (annual from year 2, reversed on spend Rs1-5 lakh); finance charges as per SBI Card	Eligibility Age 18–70 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now
Compare RBL Bank RBL Bank Bank Longest tenure	Finance charge Check current rates Rate confirmed by the lender when you apply	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–48 mo	Processing fee ₹0–₹12,500 + GST Fee details Annual fee Rs 499-Rs 1,500 on most cards (waived on Rs 1.5-2.75 lakh annual spends); premium card Rs 12,500 (waived on Rs 10 lakh spends); cash advance 2.5%; EMI PF 1.5% or Rs 150; age 21-65	Eligibility Age 21–65 yrs Min. income ₹25,000/mo Credit score 700+ Salaried or Self-employed	Apply Now
Compare Union Bank of India Union Bank of India Bank	Finance charge Check current rates Rate confirmed by the lender when you apply	Loan amount ₹25,000 – ₹10 Lakh	Tenure 3–12 mo	Processing fee ₹350–₹1,999 + GST Fee details Annual fee: VISA Gold/RuPay Platinum Rs350, VISA Platinum Rs450, RuPay Select/Uni-Carbon Rs550 (Uni-Carbon joining Rs499), VISA Signature Rs1,999 (+GST); joining fee nil on others	Eligibility Age 21–65 yrs Min. income ₹0/mo Salaried or Self-employed	Apply Now

Lender

Finance charge

Loan amount

Tenure

Processing fee

Eligibility

IDFC FIRST Bank Bank

Lowest rate Longest tenure

Finance charge

0.71% – 3.85%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹0–₹50,000 + GST

Fee details

joining/annual fee Rs 0 (Classic/Millennia/Select/Wealth lifetime-free) to Rs 12,500 (top-tier metal card); FIRST Private joining Rs...

Eligibility

Age 18–65 yrs
Min. income ₹25,000/mo
Salaried or Self-employed

Apply Now

Indian Bank Bank

Longest tenure

Finance charge

1.66%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹1.9 Lakh

Tenure

3–48 mo

Processing fee

₹0–₹250 + GST

Fee details

IB RuPay Platinum/Select/Classic: joining nil; secured variants against FD (min Rs25,000, limit up to 90% of FD)

Eligibility

Age 18–60 yrs
Min. income ₹12,500/mo
Salaried or Self-employed

Apply Now

Bank of India Bank

Finance charge

1.70%

per month · Revolving credit (card)

Charged on the unpaid balance when at least 10% of the bill is paid by the due date. Read on BankBazaar because Bank of India's own website could not be reached. The bank's card terms may state a different charge, so confirm with Bank of India before you apply.

As listed on BankBazaar, 14 Oct 2026 · confirm with Bank of India

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–36 mo

Processing fee

₹0–₹1,500 + GST

Fee details

Annual fee: RuPay Platinum nil; Visa Gold/Navy/Platinum Privilege Rs600; TAJ Premium Rs800; Visa Gold International Rs1,500; up to 51 days interest-free

Eligibility

Age 21–65 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

IndusInd Bank Bank

Longest tenure

Finance charge

1.79% – 3.95%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹0–₹100,000 + GST

Fee details

several LTF cards; premium cards joining up to ₹1,00,000 and annual up to ₹25,000 with spend-based waivers

Eligibility

Age 18–75 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Canara Bank Bank

Highest amount

Finance charge

2.50%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹25 Lakh

Tenure

3–24 mo

Processing fee

₹0–₹400 + GST

Fee details

Nil joining/annual fee on most cards (VISA Corporate ₹250 joining, ₹400 add-on annual), excl. GST; min annual income ₹1L (Classic) to ₹10L (MasterCard World)

Eligibility

Age 21–70 yrs
Min. income ₹8,333/mo
Salaried or Self-employed

Apply Now

Punjab National Bank Bank

Finance charge

2.95%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹10,000 – ₹15 Lakh

Tenure

3–36 mo

Processing fee

₹0–₹9,000 + GST

Fee details

Joining ₹0–₹9,000 & annual ₹0–₹7,500 + GST by variant (Classic/Platinum nil; RuPay Select ₹750; Millennial ₹999; Luxura metal ₹9,000/₹7,500); min income ₹2.5L–₹7.5L p.a.

Eligibility

Age 21–70 yrs
Min. income ₹20,833/mo
Credit score 700+
Salaried or Self-employed

Apply Now

Yes Bank Bank

Longest tenure

Finance charge

2.99% – 3.99%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹0–₹50,000 + GST

Fee details

Annual fee Rs 0 (lifetime-free entry cards) to Rs 2,499 on mainstream cards (RESERV/premium higher); age 21-60; min income Rs 20,000 pm

Eligibility

Age 21–60 yrs
Min. income ₹20,000/mo
Salaried or Self-employed

Apply Now

Karur Vysya Bank Bank

Longest tenure

Finance charge

3.25%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹499–₹4,999 + GST

Fee details

co-branded Karur Vysya SBI Gold card annual fee Rs 499; EMI/BT PF Rs 300 or 1%; SBI co-brand Gold 499/Platinum 2999/Signature 4999; income 4L+ p.a.

Eligibility

Age 21–65 yrs
Min. income ₹33,333/mo
Salaried or Self-employed

Apply Now

AU Small Finance Bank Bank

Longest tenure

Finance charge

3.75%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹0–₹7,999 + GST

Fee details

annual fee Rs 0 (LIT/ixigo/NOMO lifetime-free) to Rs 7,999 (Zenith), Zenith+ Rs 4,999, Vetta Rs 2,999, Altura Rs 199; spend-based waivers; EMI: Xpress EMI 1%, loan on card 2%; age 21-60

Eligibility

Age 21–60 yrs
Min. income ₹41,667/mo
Salaried or Self-employed

Apply Now

Axis Bank Bank

Longest tenure

Finance charge

3.75%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹0–₹50,000 + GST

Fee details

Wide card range from lifetime-free (e.g. Freecharge, Ace variants) to premium; joining/annual fees vary per card + GST; see individual card fee pages; finance charge up to 3.6%...

Eligibility

Age 18–70 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Bank of Baroda Bank

Finance charge

3.75%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹10 Lakh

Tenure

6–36 mo

Processing fee

₹0–₹2,499 + GST

Fee details

BOBCARD: joining/annual fee nil to ₹2,499 + taxes by variant (Eterna ₹2,499, Premier ₹1,000, several lifetime-free); annual fee waivers on spend milestones

Eligibility

Age 18–65 yrs
Min. income ₹0/mo
Credit score 750+
Salaried or Self-employed

Apply Now

HDFC Bank Bank

Longest tenure

Finance charge

3.75%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹500–₹12,500 + GST

Fee details

Joining/annual fee ₹500 (MoneyBack) to ₹12,500 (Infinia) + taxes, several LTF cards

Eligibility

Age 21–65 yrs
Min. income ₹12,000/mo
Salaried or Self-employed

Apply Now

ICICI Bank Bank

Longest tenure

Finance charge

3.75%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹0–₹20,000 + GST

Fee details

Platinum Chip / Amazon Pay lifetime free; Coral joining & annual ₹500 + GST (waived on ₹1.5 lakh spend); premium cards (Sapphiro, Rubyx, Emeralde) higher; finance charge 3...

Eligibility

Age 21–60 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Kotak Mahindra Bank Bank

Longest tenure

Finance charge

3.75%

per month · Revolving credit (card)

Rate verified 13 Oct 2026 · lender's rates

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹0–₹25,000 + GST

Fee details

League LTF; Cashback+ joining ₹0 / annual ₹750; Air+ ₹999; Zen ₹1,500; premium cards higher; annual fee up to Rs 25,000 + taxes

Eligibility

Age 18–65 yrs
Min. income ₹0/mo
Credit score 750+
Salaried or Self-employed

Apply Now

Bajaj Finance NBFC / HFC

Finance charge

Check current rates

Rate confirmed by the lender when you apply

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–24 mo

Processing fee

₹499–₹4,999 + GST

Fee details

Bajaj Finserv DBS Bank SuperCard co-brand: annual fee Rs 499 (5X) to Rs 4,999 (10X Plus Signature) + GST; first-year fee waivers on select variants; EMI conversion fee 2% (min Rs 249) + GST, tenures 3-24 mon...

Eligibility

Age 21–70 yrs
Min. income ₹0/mo
Credit score 650+
Salaried or Self-employed

Apply Now

Bank of Maharashtra Bank

Longest tenure

Finance charge

Check current rates

Rate confirmed by the lender when you apply

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹499–₹2,999 + GST

Fee details

BoM-SBI co-branded cards (SimplySAVE / PRIME / ELITE) issued by SBI Card; legacy BoM cards migrated; fees and finance charges as per SBI Card schedule (not on BoM page)

Eligibility

Age 18–70 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Central Bank of India Bank

Longest tenure

Finance charge

Check current rates

Rate confirmed by the lender when you apply

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹499–₹4,999 + GST

Fee details

Co-branded SBI cards: Simply SAVE Rs499 (reversed from 2nd year on spend), PRIME Rs2,999, ELITE Rs4,999 annual; finance charges as per SBI Card

Eligibility

Age 18–70 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Indian Overseas Bank Bank

Longest tenure

Finance charge

Check current rates

Rate confirmed by the lender when you apply

Loan amount

₹10,000 – ₹5 Lakh

Tenure

3–48 mo

Processing fee

₹0–₹750 + GST

Fee details

RuPay Classic/Platinum/Select: no joining/annual fee; VISA Platinum AMC Rs250 + GST (waived on Rs60,000 spend); limits RuPay Rs10k-5L, VISA Rs51k-5L

Eligibility

Age 18–65 yrs
Min. income ₹15,000/mo
Credit score 700+
Salaried or Self-employed

Apply Now

Punjab & Sind Bank Bank

Longest tenure

Finance charge

Check current rates

Rate confirmed by the lender when you apply

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹499–₹4,999 + GST

Fee details

PSB-SBI co-branded: Simply SAVE joining/annual Rs499 + tax; PRIME Rs2,999; ELITE Rs4,999 (annual from year 2, reversed on spend Rs1-5 lakh); finance charges as per SBI Card

Eligibility

Age 18–70 yrs
Min. income ₹0/mo
Salaried or Self-employed

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RBL Bank Bank

Longest tenure

Finance charge

Check current rates

Rate confirmed by the lender when you apply

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–48 mo

Processing fee

₹0–₹12,500 + GST

Fee details

Annual fee Rs 499-Rs 1,500 on most cards (waived on Rs 1.5-2.75 lakh annual spends); premium card Rs 12,500 (waived on Rs 10 lakh spends); cash advance 2.5%; EMI PF 1.5% or Rs 150; age 21-65

Eligibility

Age 21–65 yrs
Min. income ₹25,000/mo
Credit score 700+
Salaried or Self-employed

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Union Bank of India Bank

Finance charge

Check current rates

Rate confirmed by the lender when you apply

Loan amount

₹25,000 – ₹10 Lakh

Tenure

3–12 mo

Processing fee

₹350–₹1,999 + GST

Fee details

Annual fee: VISA Gold/RuPay Platinum Rs350, VISA Platinum Rs450, RuPay Select/Uni-Carbon Rs550 (Uni-Carbon joining Rs499), VISA Signature Rs1,999 (+GST); joining fee nil on others

Eligibility

Age 21–65 yrs
Min. income ₹0/mo
Salaried or Self-employed

Apply Now

Not sure which lender fits? Check your eligibility with all 21 lenders with a single application.

Check eligibility

Rates are each lender's own published figures, checked against the lender's website on the date shown. The rate, amount and approval you are offered depend on the lender's assessment of your profile — FynnEdge does not guarantee approval, disbursal or any particular rate.

Explore Credit Card by amount, type, need & location

By Type

By Need

By Location

Why FynnEdge?

You could go directly to a bank. But why apply for a Credit Card through us?

One profile, many lenders

Share your details once — we match you against multiple lenders' criteria instead of you applying to each one separately.

Clear, upfront eligibility

See which lenders you're likely eligible for, with plain-language reasons, before you apply.

A fully online journey

Check eligibility, compare lenders and apply — all online, without a branch visit.

Free EMI & credit tools

Plan your EMI and check your credit score for free, before you commit to anything.

Guidance, not just a listing

We help you understand your options and why a lender is or isn't a fit — not just hand you a list.

No service charges

Comparing and applying through FynnEdge is free. Any lender fees are disclosed upfront by the lender.

What our customers say

“I contacted Fynnedge for help regarding the different types of personal loans available. The process went smoothly but it took quite long for the approval. Overall, it was a good experience.””

Kavita Iyer

Hyderabad
“I collaborated with Fynnedge to seek a personal loan for a specific expenditure. The process was straightforward, and the staff explained how loans functioned. The only issue was the length of the whole application process.””

Sandeep Malhotra

Chandigarh
“I have had a very happy experience with the Flexi Hybrid Term Loan. I found the process quite easy, although I did have to go through a lot of documentation as well as learn about all the terms and conditions of the loan first." ”

Rajesh Gupta

kanpur

Frequently asked questions

What is meant by a credit card?

A credit card is a payment card that one can make purchases with a preapproved credit limit. This means that the user of the credit card can repay the given amount at a later point in time.

How does a credit card function?

The user of a credit card adds the total spent on the card to their balance. Subsequently, the billing statements are generated, and the user must pay the amount that is due on a specific date.

What is the credit rating needed for gaining access to a credit card?

There is no uniform credit rating standard required by all lenders. Every lender has its own requirements. A good credit rating can increase your chances of qualifying for some credit cards.

Who is eligible to apply for a credit card?

Anyone who meets the eligibility criteria set up by their respective credit card issuer can apply for as many credit cards as they wish to. Various factors such as age, income, employment status, credit history and other financial obligations can be important here.

What are the documents involved in applying for a credit card?

Some of the common documents required for applying include PAN cards, identity proof and income proof documents, as well as bank statements.

Updated 3 Nov 2026, 1:53 PM