Looking for a Credit Card in Vadodara? FynnEdge compares Credit Card offers from partner banks and NBFCs for applicants living or working across Vadodara — including Alkapuri, Akota, Gotri, Manjalpur and Fatehgunj — so you can check eligibility and start your application online.
Lenders typically assess: Salaried or self-employed with a regular income; Minimum age as per issuer policy; Existing card obligations considered.
Documents commonly required: PAN Card, Address Proof, Income Proof.
Eligibility and final terms are set by the lender at the time of application — the figures here are indicative starting points, not a guarantee of approval or of the exact rate you'll be offered.
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
— pick at least one more to compare. — showing only your picks.
| Lender | Finance charge | Loan amount | Tenure | Processing fee | Eligibility | Apply |
|---|---|---|---|---|---|---|
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 detailsjoining/annual fee Rs 0 (Classic/Millennia/Select/Wealth lifetime-free) to Rs 12,500 (top-tier metal card); FIRST Private joining Rs... |
Eligibility
|
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 detailsIB RuPay Platinum/Select/Classic: joining nil; secured variants against FD (min Rs25,000, limit up to 90% of FD) |
Eligibility
|
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 detailsseveral LTF cards; premium cards joining up to ₹1,00,000 and annual up to ₹25,000 with spend-based waivers |
Eligibility
|
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 detailsNil 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
|
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 detailsJoining ₹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
|
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 detailsAnnual 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
|
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 detailsco-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
|
Apply Now |
|
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 detailsannual 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
|
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 detailsWide 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
|
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 detailsBOBCARD: 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
|
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 detailsJoining/annual fee ₹500 (MoneyBack) to ₹12,500 (Infinia) + taxes, several LTF cards |
Eligibility
|
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 detailsPlatinum 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
|
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 detailsLeague LTF; Cashback+ joining ₹0 / annual ₹750; Air+ ₹999; Zen ₹1,500; premium cards higher; annual fee up to Rs 25,000 + taxes |
Eligibility
|
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 detailsBajaj 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
|
Apply Now |
Bank of India
Bank
|
Finance charge Check current rates Rate confirmed by the lender when you apply |
Loan amount ₹25,000 – ₹10 Lakh |
Tenure 3–36 mo |
Processing fee ₹0–₹1,500 + GST Fee detailsAnnual 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
|
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 detailsBoM-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
|
Apply Now |
|
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 detailsCo-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
|
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 detailsRuPay 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
|
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 detailsPSB-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
|
Apply Now |
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 detailsAnnual 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
|
Apply Now |
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 detailsAnnual 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
|
Apply Now |
Not sure which lender fits? Check your eligibility with all 21 lenders with a single application.
Check eligibilityRates 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.
Why FynnEdge?
You could go directly to a bank. But why apply for a Credit Card in Vadodara 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
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“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
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“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